Established Contributor
Posts: 579
Registered: ‎07-20-2008
Re: Take the myFICO Fitness Challenge for 2013!



  • Improved my score from 547 to 593 with paying down individual utilization.
  • Had 19 derogs removed from all reports total, via PFD's, some aged off. 
  • Added 8 new accounts with limits that helped my overall util.
  • Unfortunately, had 6 new 30 day auto lates from Santander hit my report unexpectedly.



  • Increase my scores to 720
  • Pay off $3k of credit card debt
  • Refinance an existing high int rate install loan into new one.
  • Roll the other $3k of cc debt to an installment loan or pay off if I can.
  • Have 2 paid collections slated to fall off in the next 2 months.
  • Have 2 paid charge offs slated to age off in the next 3 months.
  • Refinance my truck after most current 30 day late hits 1 yr in Sept. Currently 13% for 48 more months.  


2014 Starting-618, current TU636/EX653/EQ600 (WalmTU 8/13,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 1/30 day auto late on 9/1/12 /reported Install Bal/Lim: 17885/28512 | reported Revolving Bal/Lim: 10055/21082=49%util.

**IN the garden until I get some auto CLI's on major accts**