Re: Take the FICO Fitness Challenge!
01-16-2010 03:53 PM
My FICO goals for 2010 are to move into the 700+ club.
Current scores are EQ 665 TU 676 EX 674 (Per LO)
All my chargeoffs and collections are due to fall off between August and November. Theres's about 5 total.
I have a paid tax lien that will be 2 years old in Feb. Additionally, I'll have a mortgage and 2 car loans that are all paid but with lots of lates. All of the lates are 5+ years old.
Like most people here, time is my greatest ally. I was just recently preapproved for a home loan. We'll see if I get the home as the LO thinks I may need to pay the collection accounts, which would be a dealbreaker for me.
I will let my accounts age and not apply for new credit other than mortgage loans.
7/1/09 EQ 659 TU myFICO 654 TU 671 EX 644
10/14/10 EQ 696 EX 710 TU 728 (Wachovia pulled scores)
11/1/10 EQ 705 EX 710 TU 728 (700 Club all around, yayyy!)
07/24/11 TU 735
5/21/12 EQ 704 EX 737 TU 722