Once a month (on that special day) you wake up earlier than usual to make sure that you have enough time to pull your monthly FICO scores before you go to work.

You check your emails a little more than usual when you are expecting a SW alert.

When you start calculating all of your cc due dates before they will hit your cr's instead of the due date on your statements.

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Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)

Take the FICO Fitness Challenge ~ In the garden until June 2013!