Take the myFICO Fitness Challenge 2018!

[Anonymous]

To the myfico community...THANK YOU!

I've been reading different threadso on the site. So much valuable information available. I decided to look and see if I had a credit increase available on Capital One. I received a $100 dollar increase. My credit limit is now $500. I'm on my way to bigger and better.

[UncleB]

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@Anonymous wrote:

Hello to all of you,

I just joined this weekend and this is my first post. I learned about the site when I googled "my fico" after learning that my scores were probably not accurate. I'm excited to participate in the challenge and watch everyone meet their goals.

Currently I am about $50,000 in debt. My yearly salary is just over $70,000. Capital One Credit Wise scored me a 547. Discover Fico Scorecard 553. I have a Capital One unsecured card for $400 and a Discover It secured card for $500. My capital one was originally a secured card, but after one year, they refunded my deposit and converted me to an unsecured card.

My goal is to simply reach 700. I know that still seems awfully low, but for me it would be a huge step in the right direction. I have recently learned about paying my cards off before the bill is posted as due. I'm going to further work on that and also create a plan to pay off what i can pay off as soon as possible.

Sorry it this post is so long. I think it is necessary in order for me to hold myself accountable. I look forward to everyones continued success.

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Hi @Anonymous, and welcome to myFICO!

I added the 'Fitness Challenge' graphic to your siggy.   

--UB

[Goal777]

Was having some financial issues and some of my accounts went into collections but I am currently working on getting them paid and removed.

[Anonymous]

Hello all!
Even though I just recently joined I feel like I’ve been a member here for months.

I feel like my credit is prettt decent. I’ve been gardening since March and I feel like I’m ready to jump in and build with new cards. Besides credit karma I don’t really use any other credit monitoring site.
My current scores there are 706-TU and 654-EQ

My goal by my birthday (October) is to be at a solid 720 all around the board. My credit profile is somewhat thin but pretty good. I’ve no derogatory marks at all. And I have one 30 day late payment which is about 1yr old. I want to apply for an AMEX and discover card soon but I think I’m going to garden until the end of August.

[Anonymous]

Welcome, X.

You might want to invest a $1 and get your three FICO 08 scores before applying for CC. You'll have a much better idea of your odds of success then. Check this out.

[Anonymous]

I'll second what James_A said... 

Credit Karma may not be as concise as we'd want.  I've learned the hard way.  Invest that $1 in MyFico to get those "actual" scores.

OP i'm also in your shoes... been lurking on the sidelines of these forums for months, but feel like i've been a member for years.  This resource is AWESOME!!!!

[CGeorge]

So glad I found these forums - they are the best! 

I have been working hard, overall since 2010 - to bring my credit score up. I have two financial "earthquakes", one in 2011 and another in 2015. In 2015, I finally got the courage to look at my credit score - it was 537. I, in earnest, began the work of credit repair. Now, 211 points later - it was so worth it. But it requires VIGILENCE! I'm up for the challenge!

[Anonymous]

Thank you for adding that for me.

[Anonymous]

I’m in! I just joined the forums today.

[UncleB]

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@Anonymous wrote:
I’m in! I just joined the forums today.

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Hi @Anonymous, and welcome to myFICO!

I added the 'Fitness Challenge' graphic to your siggy for you.

--UB