Take the myFICO Fitness Challenge 2019

[Anonymous]

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

[Anonymous]

MY 2019 FICO GOAL is to see a Score of 850 (300 to 850) from Experian, Equifax and Trans Union.

Time for an update. Completed one full year of FICO 08 Scores of 850 on EX, EQ, and TU. No inquiries for two years. Not credit seeking. Completed a review of all three credit bureaus today and EX and EQ show 18 years where TU shows 14 years on AAoAs and one account dropped from TU. What is amazing or not, the scores remained the same except, I dropped from "Excellent" to "Very Good" on AAoA on TU with no score effect.

If you wonder why I am doing this experimenting, is to see how the bureaus deal with my profile?! Do I need the high scores for most lenders? No! Today, it serves as proof that we can scratch and claw our way back from the cellar of scores in the 500s if we were luck when we took the big fall.

Wanted to share as a stimulation to those of you who get frustrated with the process of obtaining good scores. Patience is part of the answer along with measured credit seeking. It took me eight years after the big fall to even get one credit card from a big bank and my scores would plateau for a couple years at a time and I could not get them to go up to save my soul?

Hope this post let's you know it is possible and worth the work!

[DesigningMyLife]

I am new here have had some challenges over the last couple of years that have brought my score way down (unemployment). Now I am trying to get my credit back in order. I have had success raising it 80 points since the beginning of the year however, 2 medical bills are threatening to bring it back down 😩. I am doing my best to pay a little at a time. I determined to hit my goal by May 2020.

[Anonymous]

Hi all,

I joined myfico years ago and never really took advantage of all the good information everyone has to offer. Currently rebuilding my credit and need a credit boost for a home loan. My goal is to get to a 750 CS by May of 2020. My son was born September 2018 and I have two other children. After having my son I was promoted at my current job of three years and have the funds to afford a house.

There’s currently a 30/30 late payments from my Fingerhut Advantage account for the months of Feb and Aug 2018. I’ve been rebuilding using subprime lenders Total Visa CL 300, Discovery IT CL 500, VS CL 250 and CreditOne CL 400. My utilization is currently above 60%.

If you have any suggestions for me please feel free to message me. Thank you all for the support!

[jons998877]

My goal is to reach 680 by the end of 2019, lets see what happens!!

[Anonymous]

New here and ready to raise these scores

Current Score: TU 570 / EQ 559
Goal Score: 850

[Noelbrianna]

New to the challenge, my goal is a 620 credit score by all 3 by the end of 2019

[devilnic]

Ready to take the challenge. I have been lucky in that i could always get some form of credit. Being a single mom who's ex didn't help pay for kids made staying out of debt a challenge. I just took out a personal loan to help with paying debt down. My kids are of working age and i,m tired of making excuses for not being financially fit. Ive paid down my cards. Am only using a few to make them work for me points wise. Lets do this 2019!!!!

[Anonymous]

Okay, I'll join in, albeit halfway through the year. Got to start somewhere.

Current Fico Score is a 729 (using Discover's report from Transunion for now), and will probably drop a couple of points due to the shuffling of accounts.

So my goals for 2019 is as follows:

- Garden at least until Cap1 inquiry drops, and preferrably until CC inquiry drops.

- Raise FICO to at least 750 and maybe push for 800?

And Long Term Goals (after 2019)

- Pay off the THECB state loan.

- Start paying down other Student Loans

- Apply and get accepted for a Chase Sapphire Reserve/Amex Platinum.

[Anonymous]

Started around 620 in October. Up to 650 or so early this year. Paid some debt, removed a collection and paid CO and went up to 706. Current Utl % is at 45%. Looking to drop below 10% and that should take me to 740+.