It looks like you already found it! Good luck!
The motivation of Fico fitness is to hit a goal score over the course of the year. Check out the Garden club in this forum for motivation to not apply for new credit. There are levels depending on how long it's been.
http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-November-2012/td-p/1675076
- Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
- Starting total revolving credit: $1100 | Current total revolving credit: $36,700
- Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
| Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
| Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
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Starting Score: Equifax 499 (1/22/2020); TransUnion 525 (1/22/2020); Experian 523 (1/24/2020)