Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
Re: Take the FICO Fitness Challenge for 2011!
[ Edited ]

1.  I don't have a concrete goal.  I'd like to see 750 this year but not sure if that is doable.  I'm just happy to have climbed out of a major slump.


2.  EQ FICO 678 (01/05/2011)

TU FICO 700 (01/05/2011)

EX PLUS 702 (11/30/2010)


3.  The steps I will take to achieve my goal are to bring my utilization a little lower and to keep making on-time payments.  This month marked two years since my last late payment.  Unfortunately, I'm saddled with multiple 120 day lates (and a couple 150 day lates) for the next five years, but at least they are aging.  I've tried GW to no avail.  Perhaps, now that I have two years of on-time payments, I'll try another round of GW.


I currently only have one open credit card and one Amex charge card, so I am considering adding another revolving account.  


I'm curious what is going to happen to my scores in the next couple months.  I have a couple closed accounts that I am going to pay off so I will have less accounts reporting a balance, but I will lose the effect of those accounts for utilization.


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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