Established Member
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 (

Thanks guys.


testMy FICO: EQ 787 - 01/14 | TU 782 - 9/13 | EX ??? - ?/?
Garden Club: App-free since 7/12