Regular Contributor
Posts: 136
Registered: ‎07-09-2012
Re: Take the myFICO Fitness Challenge for 2013!
[ Edited ]

Hello, well after only 6 months of attacking my credit score in 2012, I was able to see an increase of 45 points on Equifax! I went from 678 to 732!!, and this was largely due to..... applying for credit cards! Yes, each time my score would go down a little, but then it would shoot back up! I have really prepared myself to be in a good position to apply for credit, so now I'm reaping the rewards and hoping to keep it increasing and managing my credit wisely. I went from having 1 credit card before joining these boards to now having 7. I don't keep a balance on any of them, but am using them to build my credit and get the rewards!


My goal for 2013 is to see my score over 750 across the board. I'm not sure what it will take, but probably, mostly, gardening! Letting those existing accounts begin to mature and increase my average age of accounts (AAoA) is probably what will help me see gains in my score this year, plus let all those inquiries fall off! Maybe in the middle of this year I can consider app'ing for more cards if there are good deals for rewards / bonuses at that time.


I've appreciated the help on these forums so much, and have referred my family and friends to come join as well because it is so beneficial! Having a supportive,

knowledgeable group of people to learn with and from is helpful! Here's to 2013!

Starting Score (2015): EX: 748; EQ 737; TU 761
2014 Current Score: Discover FICO08 803 (1/15); EQ BE FICO 817 (1/15); PenFed FICO NextGen 799 (12/14)
Goal Score: All 775+ Available Credit: $100K+ Utilization: 10%
Gardening Since: Sept 2014