Established Contributor
westo12
Posts: 584
Registered: ‎07-20-2008
Re: Take the myFICO Fitness Challenge for 2013!

2012:

 

  • 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.

2013: 

 

  • 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 TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

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