Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
Re: Take the FICO Fitness Challenge for 2011!

2011 was the year i took control cant wait to see what 2k12 will bring hoping to see 700's this year

ccpics2.jpg
New Member
proverbs3
Posts: 1
Registered: ‎05-17-2007
Re: Take the FICO Fitness Challenge for 2011!
Please post where you are now that 2011 is over. Would love to hear of your successes/road blocks from the past year as I prepare to take this journey in 2012. Thanks!

Starting Score: (01/02/12) TU-512, EQ-536, EX TBD (lender pull 01/02/12)
Current Score: (01/02/12) TU-512, EQ-536, EX TBD (lender pull 01/02/12)
Goal Score: 700


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Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
Re: Take the FICO Fitness Challenge for 2011!

proverbs3 wrote:
Please post where you are now that 2011 is over. Would love to hear of your successes/road blocks from the past year as I prepare to take this journey in 2012. Thanks!


http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Small-indicators-of-success-preapproval-from-...

 

Earlier in the year I completed paying off my CC debt, and I had way more than I care to remember sometimes.  In a couple months, we'll be buying a new house.  We've been cramped into a one bedroom condo with a toddler for long enough.  2011 was a good year for us.  Here's wishing you the best of luck in 2012.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Established Contributor
SoulMaster
Posts: 981
Registered: ‎11-08-2011
Re: Take the FICO Fitness Challenge for 2011!
[ Edited ]

Challenge accepted! (Though I noticed there isn't a 2012 thread yet)!

 

I am absolutley convinced that one can hit 720FICOs w/ the BK reporting... it's my goal to do this by the end of 2012... we'll see!  

 

As a side note, I'm also convinced one can get an AMEX with a BK on the CR that's <7 years old. (People seem to have no problem once it's been more than 7 years, despite that it reports for 10, assuming 7 years of solid history since the BK).  This may prove impossible, but I'm up to the challenge and accept it as well!

 

To hit these goals, I'm going to stick w/ my plan of <10% util across the board, applying for a new tradeline every 6 mo, and working every tool in the bag that my credit union offers me.  :smileywink:

 

 

Love these forums!

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Established Member
chexxie
Posts: 23
Registered: ‎02-05-2010
Re: Take the FICO Fitness Challenge for 2011!

chexxie wrote:

Hi all,

 

I curently have:

 

1 CC w/ a balance 25% util (I just pay it every 2 weeks, no delinquencies)

4 CC w/ 0 balance presently (usually I just keep them 0% to 10% util)

1 Student loan (paying 2x the due amount every month)

1 24-month consumer loan (3 months into it, paying same as student loan)

 

1 30-day late payment (Feb 2008) on 1 of the 0 balance CC (don't remember why or how)

1 Collection, Status: Paid (Aug, 2008) - from cable company (result of putting someone else's bill in my name)

2 Inquiries Aug 2010

 

--------------------------------------------------------------------------------------


1.  Your FICO score goal for 2011:  760-780 for all 3 bureaus

2.  Your current FICO score(s) : EQ: 698 | TU: 716 | EX: ??

3.  The steps you plan to take to achieve your goal: Continue paying off loans and CC, control spending, less visits to Ikea lol, more visits to MyFICO :smileyhappy:


Hey everyone. Thought I'd update with my results from the 2011 goal until the 2012 topic is ready.  :smileyhappy:

I didn't reach the 760-780 score, which I realize now was a bit unrealistic for me. But if I didn't aim that high I probabaly wouldn't have gotten to where I did.

At the time that I started the challenge in March 2011, my scores and credit situation were as listed above.

 

At present:

  • I've continued my regular payments on Student Loan and Consumer Loan and that's still going well.
  • CC util on my main CC has increased but overall util still low due to CLI
  • 30-day late from Feb 2008 not negatively affecting score
  • 1 recent Inquiries (June 2011 for CLI)
  • The best news: I disputed and have gotten the 1 collection removed from my EQ & EX (wasn't on TU), which caused my score to jump like 25 points.
  • Scores as of 12/05/11 - EQ: 735 (FICO) | TU: 748 (FICO) | EX: 732 (Experian.com)


Thanks guys.

 

testMy FICO: EQ 787 - 01/14 | TU 782 - 9/13 | EX ??? - ?/?
Garden Club: App-free since 7/12
Established Member
smokiethebear912
Posts: 24
Registered: ‎12-14-2009
Re: Take the FICO Fitness Challenge for 2011!

I have come a decent way since 2009 but still have a decent way to go to where I want to be.


Starting Scores: EQ MYFICO (05-12-09) 430 / TU MYFICO (12-14-09) 521
Current Scores: EX USAA PLUS 607 / EQ MYFICO 656 / TU98 MYFICO 664 / TU08 FICO WALMART 648 / CreditKarma TU TransRisk 586 / TU VANTAGE 645
Goal Scores: 700+


Take the FICO Fitness Challenge