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Take the myFICO Fitness Challenge 2015

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New Member

Re: Take the myFICO Fitness Challenge 2015



I am looking forward to working through this year to increase my score and overall better manage credit.  This has been a rough year for that and my score has taken a sizable hit.  I am planning on reaching my goal by year end in addition to better managing my available credit and utlization.


Starting Score: 641
Current Score: 641
Goal Score: 740

Take the myFICO Fitness Challenge

In the garden until 2016
Message 51 of 406
Moderator Emeritus

Re: Take the myFICO Fitness Challenge 2015

Welcome all to the FICO 2015 Challenge! While I am a long time board member I joined the FICO Challenge 2014 in November. Started working on it back to May 2014 but formalized it later. My resolution is to seriously remain in the garden so inquiries will fall of my report and likely I will close six credit cards and reduce about $30K in credit limits as it seems my DTI is subject to review. The other matter is my inability to keep all of my credit accounts active. Finally my spend pattern has a path and now I know what I really need. Time to put the house in order Smiley Happy
Starting Score: Unk
Current Score: 847
Goal Score: 850

Take the myFICO Fitness Challenge
Message 52 of 406

Re: Take the myFICO Fitness Challenge 2015

Trying to add the fitness challenge to my signature but its saying I have an invalid html?  I'm copying and pasting it directly.  


<hr><img align="left" border="0" width="50" height="50" src=""><font size="2"><font size="1">Starting Score: 540</font> <b>800</b><br><font size="1">Current Score:  TU 640  EQ 650  EX unknown </font> <b>800</b><br><font size="1">Goal Score: ALL 720+</font> <b>850</b></font><br><br><font size="1"><a href="" target="_blank">Take the myFICO Fitness Challenge</a></font></code>

Starting Score: TU:530 EQ 534 EX unknown
Current Score: TU:640 EQ 650 EX unknown
Goal Score: All 720+

Take the myFICO Fitness Challenge
Message 53 of 406
Regular Contributor

Re: Take the myFICO Fitness Challenge 2015

I am new to this and I am trying to raise my score to purchase a home. I bought a truck in 2014 and have made every payment on time which has helped raise my score. I have a few credit cards Barclays (5000) and Cap One (1500.) I have a 8 paid, closed collections that I am waiting to fall off. 

NFCU 10,000 NFCU LOC 15,000 Barclay's NFL 4900 CapitalOne QS 5000
Message 54 of 406
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2015

New to the Forum.


Had some health issues 6 years ago and an old Verizon phone bill that won't age off until November 2015.  My goal is to purchase a new house in the next year, so I would like to get my score up to at least 720.  Would also like to qualify for a prime card (more of an ego thing).  Current score is 665, so I need 55 more points in the next year.  Don't plan on applying for anymore cards this year.  Got 5 in the last 6 months, so I will not apply anymore.  Was turned down for Citi based on Verizon bill, so I won't worry about any prime cards, either.   Been lurking around the forum for the last few months, before joining.

BBVA Amex $9000| USAA Platinum Visa $6500| Venture One $5500| BCE $5000| PenFed Platinum Rewards Visa Signature $5000| Chevron/Texaco Visa 5000| Penfed Promise Visa $3500| QS1 $2500| QS1 $2300| Amex ED $2000| Barclays Reward MC $2000| Sam's Club PLCC $8500| Amazon Store Card $8000| Walmart Store Card $6000 Phillips 66 $2800

Starting Score: 583 Current Score:EQ FICO-700, TU FICO-700, EX FICO-700 Goal Score: 720
Message 55 of 406
New Member

Re: Take the myFICO Fitness Challenge 2015

Hi All, 


I am new to the challenge and FICO family. My goal for this year is to improve my credit rating so I may prepare for home and car ownership and be able to finally get my first credit card! Im hoping I can reach at least a higher score than I have right now. Because even though I dont have much history or a lot on my creit it still shows a bad score. I want to improve thatSmiley Happy 

Starting Score: EQ 514 TU 462 EX 455
Current Score: EQ 514 TU 462 EX 455
Goal Score: 650

Take the myFICO Fitness Challenge
Message 56 of 406
Valued Contributor

Re: Take the myFICO Fitness Challenge 2015

I made my TU goal today Smiley Very Happy My early exclusion got taken care of so I now have 2 clean reports. EX told me on Friday I could get my last baddy removed in February, so my fingers are crossed for 3 clean reports after I request early exclusion on Monday Feb 2. I guess it can be done. Smiley LOL

I've got some cards, got my house and got some scores with a 7 in front. Now what? Oh yea, live some of that life stuff.
Message 57 of 406

Re: Take the myFICO Fitness Challenge 2015

Hello all,


New to MyFico here since last week. I had been poking around for awhile checking this out and finally decided to join. I had made alot of wrong choices regarding my credit but this site has given me encourgement to know that people can get out of a financial mess and be given a 2nd chance.


My score was at a 513 in Dec 13 and now im at a 658. my goal is to be at 700+ by the end of the year. 

AMEX/4,000 CHASE SLATE/1,500 CHASE FREEDOM/3,500 DISCOVER IT/4,200 ACU/7,500 TOYS R' US/1,800 TARGET/1,500 WALMART/6,000
Message 58 of 406
Established Contributor

Re: Take the myFICO Fitness Challenge 2015

Hey guys, I'll be doing the challenge now after 2 years. My goal is to reach the 800+ score by next year, and according to the myFICO simulator, it's possible! Smiley Happy

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Message 59 of 406
New Visitor

Re: Take the myFICO Fitness Challenge 2015

We are about the same, I have very similar goals. Good luck, let's share how are year progresses!
Message 60 of 406
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