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Take the myFICO Fitness Challenge 2018!

Regular Contributor

Re: Take the myFICO Fitness Challenge 2018!

Way to go mb.  Keep it up.

Message 31 of 236
New Member

Re: Take the myFICO Fitness Challenge 2018!

Just starting here and will update my siggy, still learning how to use this site! My January MyFICO Equifax 624 Experian 592 TransUnion 577. It’s been a a hard road and I’m very appreciative of everyone’s sharing of mistakes and helpful guidance and experiences! Thank you, I hope this site is mobile friendly bc that’s what I’m usually on. Couldn’t get any images uploaded via phone or pc, I don’t know if that’s because I’m considered a “visitor” even though I’m a paying MyFICO subscriber. Be good to us 2018!!!
Message 32 of 236
New Member

Re: Take the myFICO Fitness Challenge 2018!

Hello all, new member here, still trying to figure the “how to increase my credit score game”, hence my name because I think it takes a magic 8 ball to figure out how these credit companies work. Looking forward to advice and everyone’s experience here for help. Thank you in advance. My January Fico 8 scores are Experian 599, TU 598, and Equifax 572.
Message 33 of 236
Super Contributor

Re: Take the myFICO Fitness Challenge 2018!

My goal for the coming year is to refrain from applying for any new accounts or any hard pull credit limit increases. I'm hoping to see my scores rise.


FICO8 EQ 743 TU 774 EX 742 Total revolving limits 610800 (500800 reporting)
Message 34 of 236
Contributor

Re: Take the myFICO Fitness Challenge 2018!

Hey everybody!

This is my first time taking the challenge, and also is my first day actually with a profile on myfico! All I can say is I am inspired to do better. 

I am not currently a member (YET) but as far as my FICO 9 can tell I am currently at 626 (even though CreditKarma says 594). I just had a hard pull that was sadly declined even after recon, but I just brought my utility from 98% to 27% recently which should help. I plan on waiting a couple of months to refinance my car loan so I can garden a bit. Then I plan to stay in the garden until I get married in December! 

My goals are 

June: 650

December: 750

I am excited to see where it all goes.

Starting Score: 594
Current Score: EQ: 704 (↓6) , TU: 732 (↑8), EX: 714 (↑13)
Goal Score: 770 across the board


Take the myFICO Fitness Challenge
Message 35 of 236
Established Contributor

Re: Take the myFICO Fitness Challenge 2018!


@wrote:

Hey everybody!

This is my first time taking the challenge, and also is my first day actually with a profile on myfico! All I can say is I am inspired to do better. 

I am not currently a member (YET) but as far as my FICO 9 can tell I am currently at 626 (even though CreditKarma says 594). I just had a hard pull that was sadly declined even after recon, but I just brought my utility from 98% to 27% recently which should help. I plan on waiting a couple of months to refinance my car loan so I can garden a bit. Then I plan to stay in the garden until I get married in December! 

My goals are 

June: 650

December: 700

I am excited to see where it all goes.


Welcome, lots of great people here with a wealth of knowledge.

 

Robot Very Happy


Message 36 of 236
New Visitor

Re: Take the myFICO Fitness Challenge 2018!

I have worked hard on my credit the last few years. I'm excited to participate in this thread!
Starting Score: 486
Current Score: 719
Goal Score: 850


Take the myFICO Fitness Challenge
Message 37 of 236
Regular Contributor

Re: Take the myFICO Fitness Challenge 2018!

Hello all,

This is my first time doing the FICO Challenge

My current scores are super low but my credit goals for this year:

-take care of 2 of 4 collections accounts on my report(derogs are killing my score)

-keep my utili. Low on both of my cc

-become an AU

-be worthy enough for at least one more cc

-improve scores enough to refinance auto loan by June.

My fico goal for the first 6 months of the year are go from my low 500's to a 550/575. By December/January hope to have 625. Hopefully those are reasonable goals. My EX score jumped up 27 pts these past 3 days from paying down(settling) some collections.



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 38 of 236
Established Contributor

Re: Take the myFICO Fitness Challenge 2018!


@wrote:
Hello all,

This is my first time doing the FICO Challenge

My current scores are super low but my credit goals for this year:

-take care of 2 of 4 collections accounts on my report(derogs are killing my score)

-keep my utili. Low on both of my cc

-become an AU

-be worthy enough for at least one more cc

-improve scores enough to refinance auto loan by June.

My fico goal for the first 6 months of the year are go from my low 500's to a 550/575. By December/January hope to have 625. Hopefully those are reasonable goals. My EX score jumped up 27 pts these past 3 days from paying down(settling) some collections.

Great goals! A lot of us have been there, keep your head up and hold yourself accountable.

 

Robot Very Happy


Message 39 of 236
Regular Contributor

Re: Take the myFICO Fitness Challenge 2018!

Thank you! Ready for the long journey ahead and will hopefully be gardening by middle of year if all goes well.



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 40 of 236