Established Contributor
Posts: 1,033
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.  Smiley Wink



Love these forums!



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 Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.