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Take the myFICO Fitness Challenge 2019

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Re: Take the myFICO Fitness Challenge 2019

Hey All,

I have been using myFICO forums to help gain information on the best moves to improve my financial profile. I thank everyone who impart their knowledge and expertise in all areas.

My financial goals for 2019:
Increase my credit scores across 3 CBs
Current FICO Scores

Transunion 659
Equifax 630
Experian 641

Goal Scores
Transunion 770
Equifax 750
Experian 790

I will achieve my goal scores by May 2020.

I currently have student loans in repayment as well as about 6 collections I am working on removing.

Here's to the bright future of building up financial success!

Message 121 of 124
Highlighted
Established Member

Re: Take the myFICO Fitness Challenge 2019

New member, but been lurking on and learning from this forum for a long time, perhaps a decade.

This is regretably the 2nd time I've had to rebuild my credit. I learned from a lot of mistakes, and gained a ton of knowledge about it the 1st time around, and now it's time to put that knowledge to the test on this 2nd go around.

The long and short of it was that my credit got screwed up this time from something pretty much outside my control, an expensive divorce.

Now, the damage has been done and it's time to get back on my feet again. Fortunately, I kept my oldest credit card and my car loan in good standing throughout it all - so when I started rebuilding my credit this year, I already had an 8 year head start.

 

At its worst, my scores were in the 400's back in 2017.

 

On January 1 of this year, my scores were 588, 589, 594.

 

Now, my scores are 629, 644, 645 - even with 95% credit card utilization.

 

My util. will drop to about 50% later this month, and I'd expect I'll see a good bump from that. We'll see. My goal by the end of the year is 750+ for all 3, which I believe is pretty realistic.

 

Anyways, wishing everyone luck!

Utilization: 15% / $19,100

12/2018:
5/2019:
Message 122 of 124
New Member

Re: Take the myFICO Fitness Challenge 2019

First time poster. Wanna take this challenge. I have one credit card Capitol One secured. $200 Credit line.

604: 700
Current Score: 800
750: 850


Take the myFICO Fitness Challenge
Message 123 of 124
Moderator Emeritus

Re: Take the myFICO Fitness Challenge 2019

MY 2019 FICO GOAL is to see a Score of 850 (300 to 850) from Experian, Equifax and Trans Union.
Starting Score: 000 Fico
Current Score: 850 Fico EX08EQ08TU08
Goal Score: 850


Take the myFICO Fitness Challenge
Message 124 of 124