Established Contributor
Posts: 587
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.  


Sigh. Starting over...Chap7 discharged 7/29/15