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Take the myFICO Fitness Challenge 2019

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Frequent 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.
br>Starting score520
Current Score: FICO 8- 742EX, 749TU, 739EQ,
Goal Score: 765 by (2/2020)
Buisness CC- Amex Simply $ Plus-6/26/19- 1300-Amex BBP-6000-8/6/19-
Personal Cc's
9/17- CITI- aadvantage - 7500 sl. -
7/19 Citi rewards+(wmc) 5400
5/19-Amex rose Gold npsl(25000-pot), 5/18-1st Disco it- 2000 , 5/19-2nd Disco it- 2000
6/18-Dcu-3000-
12/18Amazon-6000-AND-Walmart-6000
2/19-Home depot- 2000-
6/18-dcu2.74 Auto loan
Goal score 800



Message 171 of 175
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 175
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: 000
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 173 of 175
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

Things can turn around faster than one might think.,@grahamf. Good luck
br>Starting score520
Current Score: FICO 8- 742EX, 749TU, 739EQ,
Goal Score: 765 by (2/2020)
Buisness CC- Amex Simply $ Plus-6/26/19- 1300-Amex BBP-6000-8/6/19-
Personal Cc's
9/17- CITI- aadvantage - 7500 sl. -
7/19 Citi rewards+(wmc) 5400
5/19-Amex rose Gold npsl(25000-pot), 5/18-1st Disco it- 2000 , 5/19-2nd Disco it- 2000
6/18-Dcu-3000-
12/18Amazon-6000-AND-Walmart-6000
2/19-Home depot- 2000-
6/18-dcu2.74 Auto loan
Goal score 800



Message 174 of 175
Established Member

Re: Take the myFICO Fitness Challenge 2019

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


FICO8 as of 09/2019
Message 175 of 175
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