cancel
Showing results for 
Search instead for 
Did you mean: 

Take the myFICO Fitness Challenge 2019

tag
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

First post here!

 

I've only been reading the boards for a week or so but I've already learned a ton. Looking forward to learning more.

 

Goals are pretty standard - I'd like to get to 750 by this time next year and possibly 800 club thereafter. Starting at 680

Message 181 of 223
Mv350
Valued Contributor

Re: Take the myFICO Fitness Challenge 2019

Hello everyone,
I've been lurking in these boards for a short time and now I'm looking to really tighten up the ship and get above 700. This last year I have been on sort of an app spree but nothing extremely absurd.
My main reason for doing to is that I just got engaged and would like to start planning for our future. Granted we've been together for 7 years.
I would also love to refinance my Cap1 auto loan which is at 11.53% right now.

Current scores checked today
EQ 660
EX 630
TU 648

Looking forward to getting everything moving in the right direction!
Message 182 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

Biggest goal is SP CLI. Dcu offered me a cli but they want to add 3% to my 10.5 apr!
I wonder if they realize most use CU's for low apr. I'll wait until the cli offered is with an apr drop or stays the same.
Discover- I believe isn't giving me any luv because I opened two Citi cards within 3-4 months after my second it card, so I can't really blame them, on the other hand I have maxed out the gas, and PayPal quarters. So obviously I'm putting spend through it. I'm guessing I'll get cli in a couple months when they see I'm not applying/approved for anything else.
I would think they would want to catch up to other credit limits.
Message 183 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

@mv350- Are u in with any Credit unions? Most likely will give best refi rate on auto loan.
Message 184 of 223
Mv350
Valued Contributor

Re: Take the myFICO Fitness Challenge 2019

I am not currently a member of any credit unions. I was thinking about switching to a credit union in my area but have not done so yet. I was in Chex systems for awhile and have been banking with WF for some time, when they changed my account to one that has full benefits I just never taken the leap.
Message 185 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

I have started a topic before, but now it's not letting me start a topic to ask a question.. it just keeps saying take the fitness challenge and idk what I'm supposed to do with this "fitness challenge". This is aggravating. The button to start a topic is there, but it's dimmed out and does nothing when I press it. Why?
Message 186 of 223
Mv350
Valued Contributor

Re: Take the myFICO Fitness Challenge 2019

 wrote:
@mv350- Are u in with any Credit unions? Most likely will give best refi rate on auto loan.

I finally jumped ship and landed at my local Credit Union to begin building a history with them. Hopefully when it's time to refinance, I'll be able to get my rate cut. 
 
Thank you!
Message 187 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

(If I replied to someone, sorry. I'm not sure how to create my own reply to the thread lol)

 

Hi everyone! Smiley Happy

 

Well, in short, I filed chapter 7 in 2018 and was discharged 5/18. I was initially going to be a "cash only" person since I was very irresponsible with credit my first round. After filing for bankruptcy, I decided to start budgeting every month and only with cash I had and in doing so, I managed to uncover my emotional spending habits and how I'm a lot more spontaneous in spending than I thought.

 

I started my credit rebuild in May 2019 and my scores were in the low 500s. Currently they are now EX: 607 | EQ: 591 | TU: 582. I can't say it's been the easiest thing trying to cap myself from overspending on credit cards, but since I check in with my budget weekly, I rarely ever overspend so much that I can't pay off my balances in full each month. Smiley Very Happy

 

I'm now 6 months into rebuilding and I only have THREE credit cards (that's a big achievement because my first round with credit cards, I had SIX cards when I was 6 months into using credit Smiley LOL)

 

I have two secured cards and one unsecured card with Discover and Capital One.

 

My Goals

 

I've found that I maintain my credit cards the best when there aren't so many of them to look after. I feel like that's what really started my downfall the first time (managing six balances and realizing that I overspent by hundreds of dollars Smiley Indifferent) so I've been trying to be really careful about the types of cards I apply for and how many I get.

 

THAT'S painfully hard because I love applying for credit cards and getting approved lol.

 

Overall, I just want to increase my credit score... well, 2019 is almost over now Smiley LOL

 

So I guess, by the end of 2019, I'd like to see all of my scores over the 600 threshold! (currently just waiting for Transunion and Equifax) and I feel like that's pretty doable.

 

My overall goal at the moment is to get my credit up well enough to qualify for a really good premium travel credit card. I'd REALLY like to get the Chase Sapphire Reserve but I'm not sure how available that is seeing as though I iib two Chase credit cards. We'll see, maybe 2020 will be a good year?

 

Anyway, I'm excited to join this challenge! I've lurked on MyFICO for awhile now and I'm finally back at it! Just being a lot more careful this time. Best of luck to everyone striving to reach their financial goals! Heart

 

 

Message 188 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019

Pulled my reports today and all three are up! I've offically regained the points I lost during my mini app spree. Scores are going in the right direction so I got nothing to complain about. To GOD and myFICO'ers be the glory Smiley Happy

Message 189 of 223
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2019


@Anonymous wrote:

With half the year gone, as a new member, can i still post in the monthly updates?


You sure can and MyFico provides additional space for such posting by the month Smiley Happy

Message 190 of 223
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.