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Take the myFICO Fitness Challenge 2019

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Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

I was in Chex system when applied for dcu and got in. I did pay it off but haven't checked my Chex report since
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 191 of 207
Established Contributor

Re: Take the myFICO Fitness Challenge 2019

Hello all!

I am back after a couple of years of progress and then 2019 has NOT been kind. I am back on my grind and need to figure out after paying 90% of the debt, how to get some of these late payments off and to rebuild back to my goals.


Starting Score: EX:603
Current Score: EX:603 (10/16/19)
Goal Score: EX:740


Take the FICO Fitness Challenge
Message 192 of 207
Valued Contributor

Re: Take the myFICO Fitness Challenge 2019


@aquatic1 wrote:

Hello all!

I am back after a couple of years of progress and then 2019 has NOT been kind. I am back on my grind and need to figure out after paying 90% of the debt, how to get some of these late payments off and to rebuild back to my goals.


I just saw this.  There's an Oct thread too.

Glad you're back, Welcome!  Sorry to hear 2019 has not been kind and congrats on busting out 90% of your debt...Awesome!  Be sure to post in the "Rebuilding Your Credit" section on those late payments, getting EE advice...lot's of success stories and a lot of peeps willing to advise; the Right Way.  GL!

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Rebuild Began: Oct 2018 Exp. 579 (current: EXP 708, TU 738, EQ 746)
Personal: BB&T Cash Rewards-$10.5k, Bright Card-$10.5k/CapOne Savor-$5.5k/Comenity GoodSam VS-$5.5k/Discover Chrome-$3k/Synchrony CareCredit-$5.2k/Synovus LOC-$75k
AU: CapOne QuickSilver-$5.5k/ Discover CashBack-$5.5k/Home Depot-$10k/Lowe's Advantage-$30k
Business: Amazon Net 55-$7.9k/Amex BBC-$9k, Amex Lowe's Rewards-$10k/CapOne Spark-$2k/ Citi Staples More-$1k/Synchrony Lowe's Pro-$2.5k

Oldest 1998, Youngest Nov 2019, Closed Accts. reporting: 2 personal loans, 7 revolving, 1 auto

"Sometimes Impatience forces you to think out of the Box"
Message 193 of 207
Valued Contributor

Re: Take the myFICO Fitness Challenge 2019


@dtk6802 wrote:
I was in Chex system when applied for dcu and got in. I did pay it off but haven't checked my Chex report since

Don't we get one free report a year?

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Rebuild Began: Oct 2018 Exp. 579 (current: EXP 708, TU 738, EQ 746)
Personal: BB&T Cash Rewards-$10.5k, Bright Card-$10.5k/CapOne Savor-$5.5k/Comenity GoodSam VS-$5.5k/Discover Chrome-$3k/Synchrony CareCredit-$5.2k/Synovus LOC-$75k
AU: CapOne QuickSilver-$5.5k/ Discover CashBack-$5.5k/Home Depot-$10k/Lowe's Advantage-$30k
Business: Amazon Net 55-$7.9k/Amex BBC-$9k, Amex Lowe's Rewards-$10k/CapOne Spark-$2k/ Citi Staples More-$1k/Synchrony Lowe's Pro-$2.5k

Oldest 1998, Youngest Nov 2019, Closed Accts. reporting: 2 personal loans, 7 revolving, 1 auto

"Sometimes Impatience forces you to think out of the Box"
Message 194 of 207
Moderator Emeritus

Re: Take the myFICO Fitness Challenge 2019


@gcur25 wrote:

Ok. the past 3.5 years have been rough. Loss of business, divorce etc... Credit took a huge hit. Been working on it for about a year with no clear direction. Glad to be here and get this ship straight!!


WOW! You sure have taken your share of hits! Your interest in "get this ship straight" is spot on for this Forum. Someone in this forum likely has answers for what ever needs should arise as you work your way back to a credit life. Many of us even came from the cellar with the big BK so your not alone (although it feels like it sometimes). There is a light at the end of the tunnel. Welcome Smiley Happy

Starting Score: Unk
Current Score: 847
Goal Score: 850


Take the myFICO Fitness Challenge
Message 195 of 207
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

That's how I got my first one. I got it a couple of months ago and because citizens bank 150$ from few years ago started sending letters. Since nothing was on credit report I wanted to see about chexsystem and it was there. I called and they only wanted $25, and was glad nothing ever reported to credit... But yes I believe you can once a year. I know I didn't pay, and if I did it must have been less than 5$ if I don't remember lol.
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 196 of 207
New Visitor

Re: Take the myFICO Fitness Challenge 2019

<img align="left" border="0" width="50" height="50" src="https://ficoforums.myfico.com/html/assets/challenge.png"><font size="1">Starting Score:</font><font size="1"><b> 530</b><br><font size="1">Current Score:</font><b> 768</b><br><font size="1">Goal Score:</font><b> 790</b></font><br><br><font size="1"><a href="https://goo.gl/VdGTKa" target="_blank">Take the myFICO Fitness Challenge</a></font>

Starting Score: 530
Current Score: 768
Goal Score: 790


Take the myFICO Fitness Challenge
Message 197 of 207
Moderator

Re: Take the myFICO Fitness Challenge 2019


@rashawna wrote:

<img align="left" border="0" width="50" height="50" src="https://ficoforums.myfico.com/html/assets/challenge.png"><font size="1">Starting Score:</font><font size="1"><b> 530</b><br><font size="1">Current Score:</font><b> 768</b><br><font size="1">Goal Score:</font><b> 790</b></font><br><br><font size="1"><a href="https://goo.gl/VdGTKa" target="_blank">Take the myFICO Fitness Challenge</a></font>


Hi @rashawna and welcome to myFICO! welcome.gif

 

I used the code from your post to add the Fitness Challege info to your signature... once your rank is a little higher you'll be able to add/edit HTML yourself. Smiley Wink

 

Again, welcome!

 

--UB

Message 198 of 207
New Member

Re: Take the myFICO Fitness Challenge 2019

The Richardson's Family is ready for the myFico Fitness Challenge {November 2019}

 

Currently we are looking to build and rebuild credit. Prior to marriage I was forced to file bankruptcy. He never used credit and paid cash for most things. While I am rebuilding credit. He will be establishing credit. Short term goal is be financially sound and well rounded with savings, investments, and credit. Long term goal is to purchase our first home together since getting married. Looking forward to the journey ahead and reading about other's success and challenges. 

Starting Score: Fico 8 Husband 11/05/2019 EQ 669 TU 613 Ex 629 Fico 8 Wife 11/07/2019 EQ 639 TU 583 Ex 598
Current Score: Fico 8 Husband 11/05/2019 EQ 669 TU 613 Ex 629 Fico 8 Wife 11/07/2019 EQ 639 TU 583 Ex 598
Goal Score: 850


Take the myFICO Fitness Challenge
Message 199 of 207
Member

Re: Take the myFICO Fitness Challenge 2019

Good morning!

Taking the myFICO fitness challenge again! I will be gardening until Nov 2020. I want to raise my scores up into the 700+ range. I am focusing on paying down my utilization percentages. I was at 91% last month and have paid down to 58%. Just recently had my first son born. So battling no sleep, long work hours, and trying my hardest to help my wife whenever possible. With all of this going on I want to improve my financial wellness for my family’s future.
Starting Score: EX 650 EQ 616 TU 661
Current Score: EX 650 EQ 616 TU 661
Goal Score: EX 715 EQ 741 TU 720


Take the myFICO Fitness Challenge

Cap1-QS MC-$850
Cap1-QS1-$500
Credit One-$550
Discover It Cash-$3200
Jared Credit Card-$1566
USAA Platinum Rewards-$1000
Bank of America Cash Rewards Platinum Plus-$500
Indigo MasterCard $300
Home Depot $5,000
AU on Jared $11,100
-1 bad reporting from 2016 charge off paid in full on 11/18
-No new applications till 11/20
-Pay down utilization from 58% to 6%
-Increase current SL on all cards
-get approved for an Amex or Chase credit card
Message 200 of 207
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