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Take the myFICO Fitness Challenge 2019

dtk6802
Established 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
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 191 of 223
aquatic1
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 223
GApeachy
Super 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"
Message 193 of 223
GApeachy
Super 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"
Message 194 of 223
Dinosaur
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: 850
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 195 of 223
dtk6802
Established 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.
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 196 of 223
rashawna
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 223
UncleB
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 223
Descored77
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 1/01/2020 EQ 667 TU 650 Ex 646 Fico 8 Wife 1/01/2020 EQ 639 TU 598 Ex 601
Goal Score: 850


Take the myFICO Fitness Challenge
Message 199 of 223
Coreyh712
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 633 EQ 628 TU 648
Current Score: EX 633 EQ 628 TU 648
Goal Score: EX 703 EQ 703 TU 713


Take the myFICO Fitness Challenge

Cap1-QS MC-$850
Cap1-QS1-$500
Credit One-$700
Discover It Cash-$3700
Jared Credit Card-$1566
USAA Platinum Rewards-$1000
USAA Rate Advantage-$1000
Citi American Airlines AAdvantage Rewards-$3900
Paypal Mastercard-$1500
Paypal Credit-$1500
Venmo Credit Card-$1000
QVC-$100
Bank of America Cash Rewards Platinum Plus-$500
Indigo MasterCard $300
Home Depot $7,000
AU on Jared $11,100
-1 bad reporting from 2016 charge off paid in full on 11/18
-Pay down utilization from 82% to 6%
-Increase current SL on all cards
-Improve scores and decrease DTI/UTI
Message 200 of 223
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