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Take the myFICO Fitness Challenge 2019

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Established Contributor

Re: Take the myFICO Fitness Challenge 2019

Part 3-I have currently have most of the cards I had on my wishlist. The only one I am contemplating on whether or not I should apply is US BANK. I would really like the 5% categories to go along with my Discover card. Mostly I would use it for bills and utilities. I am concerned not having a bank account with them would be a denial.
I will most likely bank with them in the future. I just opened a citi check/saving account to get the $500 bonus, and make my chances better on application which ended up being my highest personal credit limit on a credit card.
Once I can downgrade my Citi checking,(1500$ min balance, from 10,000 as it is now)I will most likely open up a u.s. bank checking account. I will do it for the same reasons I did with Citi. Checking bonus, and hopeful that will give me a better chance with their credit card.
Honestly I could live with just applying for American Express cards. Business, and personal this company has blown every other bank out of the water. Between the sign-up bonuses the rewards, referrals, and everything being a SP once you are in I almost feel like applying elsewhere makes no sense. I am waiting until I pass the 2/90 rule for amex revolvers so I can accept my pre-approval for 25k a MR'S W/ ED card. But since I have at least two to three years till I get a house I am going to take advantage of sign up bonus now while I can.
Wish list- amex MR'S Sub the card doesn't matter since it won't really help my rewards as I have most everything covered.
Us Bank, maybe Rakuten visa. Hope Citi will allow ppl to PC to the dividend if not my Citi rewards Plus card will continue to get all of my $3 or less charges.
I feel like closing my capital One Quicksilver card. I have no use for it and it will not grow. I honestly don't know why I still have it. I am most likely going to charge one bill per month less than $15 just to keep it open it's my second oldest card.
I don't know if it would look better if I kept it open or closed that card before applying 4 a card from a different bank. Not sure if they would look at the small limit in a negative manner, or they would look at me closing it in a negative way.
I have successfully gotten my score over 740 while opening three new personal cards in the last 4 months.
It has been two months since my last personal approval, and I am doing my best to not apply for anything at least for another month eligible to get my third revolver with Amex. I have heard American Express does not care about new applications with other Banks so I feel like maybe I should open card from a different bank before American Express.
Any advice is always welcome sorry for the length and thanks.
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 65,000+
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC-13,500
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 171 of 223
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New Visitor

Re: Take the myFICO Fitness Challenge 2019

I've casually come across the myFICO forums multiple times throughotu the years but never took the plunge to sign up as a member. I'm excited to be doing so now and beginning the Fitness Challenge even if it is September! Poor, misguided actions made as a youth after getting my first credit card have hit me hard, and choices at 20-22 are also still damaging my report. I'd like to attempt achieving a score of 600 prior to January 1, 2020. It'll be a long road but I'm attempting to take an aggressive strategy towards my credit repair! I hope everyone has been successful and reached some of their goals thus far! 

Message 172 of 223
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Moderator Emeritus

Re: Take the myFICO Fitness Challenge 2019

@grahamfglad you took the plunge and stopped in! Your past will have much company in this Forum. Odds are good you will find information you can use.

Welcome! Smiley Happy

Starting Score: 300
Current Score: 824
Goal Score: 850


Take the myFICO Fitness Challenge
Message 173 of 223
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Established Contributor

Re: Take the myFICO Fitness Challenge 2019

Things can turn around faster than one might think.,@grahamf. Good luck
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 65,000+
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC-13,500
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 174 of 223
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Regular Contributor

Re: Take the myFICO Fitness Challenge 2019

looking to bump that score up! It's addictive.Smiley Very Happy







Message 175 of 223
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Moderator

Re: Take the myFICO Fitness Challenge 2019

Hello Smiley Happy

 

I have the most pathetic credit goal ever. I want a CLI on AR. I know how sad that sounds, but that's my goal. It's not HP that's preventing me, it's that I'm not sure if the time is right, or when the time will be right. US Bank is weird, so I'm just sitting impatiently waiting for that one impulsive day lol 

Message 176 of 223
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Established Contributor

Re: Take the myFICO Fitness Challenge 2019

My goal is do not get any new accounts! For at least 8-12 months. My problem is its hard to say no to 50,000 point SUBS!...
Plus score seems to keep going up after approvals🛑
Either way I'm excited to see what my score looks like when I don't have any new accounts in last 6 months..
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 65,000+
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC-13,500
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 177 of 223
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Member

Re: Take the myFICO Fitness Challenge 2019

I have absolutely no idea how to do all that signature stuff y'all got. I want to build my credit up and save money to buy a house in spring '22. I filed bankruptcy which discharged February '19. I got discover Secured - $200 limit, Fingerhut- $300 limit and self February '19. My fingerhut is $1200 limit now. Discover is unsecured and $1800 limit. I hate Fingerhut and would like to replace it with a different retail card. I also got an auto loan through Ally in April '19 and a CC via Ollo September '19.
Goal: Homeowner Spring '22
Start - 11/18 | Average Score: 418
BKF - 11/18 | BKDC - 2/19
Current cards:
Discover IT - $1,800 | Fingerhut - $1,200 | Ollo - $300 | Walmart - $500 | Kohls - $300
Installments:
BFCU - auto loan | Self [lender] | 6 student loans
Current average score: 685
Message 178 of 223
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Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

I took the plunge and paid $1 to see my additional score, was pleasantly surprised when u saw that credit seeking was hurt credit seeking was hurting my Fico 3 score. I've opened 2 account this year (September). I got hit with a CU HP in Feb 19 cuz I opened a saving account for my kid.

 

Well I won't be seeking anymore credit until 2021. SP CLI biannually and grow the age on my accountsScreenshot_20191002-114848.pngScreenshot_20191002-082632.pngScreenshot_20191002-114912.pngScreenshot_20191002-114654.pngScreenshot_20191002-114728.pngScreenshot_20191002-114802.pngScreenshot_20191002-114828.png

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $10k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 179 of 223
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Moderator

Re: Take the myFICO Fitness Challenge 2019


@RoadRage90 wrote:
I have absolutely no idea how to do all that signature stuff y'all got. I want to build my credit up and save money to buy a house in spring '22. I filed bankruptcy which discharged February '19. I got discover Secured - $200 limit, Fingerhut- $300 limit and self February '19. My fingerhut is $1200 limit now. Discover is unsecured and $1800 limit. I hate Fingerhut and would like to replace it with a different retail card. I also got an auto loan through Ally in April '19 and a CC via Ollo September '19.

@RoadRage90 this might help:  How to add card pictures to your signature:  http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td...

Message 180 of 223
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