Re: Take the FICO Fitness Challenge for 2011![ Edited ]
01-07-2012 11:48 AM - edited 01-07-2012 11:50 AM
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.
Love these forums!
Starting Score: ~470 preBK(8/2010)
Current Score: EQ: 681myFICO (12/5/12), TU: 661myFICO(5/9/12), EX:681USAA FAKO(7/2/12, ex635lp,1/7/12)
Goal Score: 700+ FICO across the board w/ my BK still on there (until 8/2020)
Take the FICO Fitness Challenge