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Take the myFICO Fitness Challenge 2019

New Member

Re: Take the myFICO Fitness Challenge 2019

Hi. First time posting. I recently started getting serious about my credit. EX:637  TU:666 EQ:612

My goal is 700s across the board.  Want to refinance my car to lower my interest. Looking to purchase my first house next year.

I have 5 CCs. Highest CL is 1,500 on Disco. I want to raise CLs. 

Trying to learn more about credit fitness.

Starting Score: 626
Current Score: 626
Goal Score: 726

Take the myFICO Fitness Challenge
Message 51 of 223
Established Member

Re: Take the myFICO Fitness Challenge 2019

My first time here as well.

Post BK.  Ch 13 takes forever! -Didn't know it was after the discharge date, which is an additional 5 years in my case.  Building credit slowing.  

Hope to learn from everyone. 


Starting Score: 602Current and Use 11/28/20: F8 EU 699 | TU 748 | EX 738
Goal Score: 775

Current Individual Accounts: BBVA Visa Plat | $2500, Legacy Visa | $750, Dell Credit Account | $10K, Credit One Plat Visa | $2500, Amex Business Card | $9K, Walmart Store Card | $1K, LendUp Visa | $2,500, First Premier Plat MC | $2,350, Merrick Bank Visa | $750, Credit One MC Plat | $2K, AC: $27,350 Usage: $1,300 5%

AU Accounts: Citi Card $10K, Costco Visa $3K, Home Depot/Citi $1,500, Barclays Visa $7K, Living Spaces/Syncb $4,500, Care Credit/Syncb $5,500, United Visa/Chase $10K, Mercury Visa $3K, Southwest Visa/Chase $8,500, Southwest Visa S/Chase 5K, Freedom/Chase $3K, Golden One CU V/ $10K, AC $71,000 Usage: $2,200 3% | Combined AC: $98,350 Usage: $3,500 4%

Banks/Accounts Included In BK CH 13: Capital One, IBM Credit Union Card, Home Depot/Citi Card, Webbank Card, Target Card/Td Bank, Bank of A Card, Amex Card, HSBC Card, Wells Fargo Card, Discover Card

BK CH13-Filed: 12/13 Discharged: 2/17 Released: 6/17 BK removed from TU 11/20
Message 52 of 223
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

I am in. Two months late, but better late than never. I am trying to get to 700 for starters and eventually to 750. My goal is to purchase a property. 


Experian. 671

Transunion 669

Equifax 655


Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800
Message 53 of 223
Regular Contributor

Re: Take the myFICO Fitness Challenge 2019

Have been aware of, and lurking on site for some time. Posted first time in Credit Cards a month back, seeking help. Received help!


50% through 30 year loan on investment property, and 33% through primary. In 2019-20 plan is to apply equity in both towards new primary, going from 2 to 1 property. Though will pay some capital gains, the target property, reduced income to debt ratio, and reduced overall mortgage footprint are worth it. Will be going through pre-qual process in next few months.


Credit went from 800s in the 2000's to 500s in early 2010's. Worked through NoD's but no bk's or foreclosures. Was a tough spell though and just clawing back. Believe good habits were born out of necessity. Would like to return to point where credit for us, is a buyer's market.


Very glad to be part of this community.

Sep 2020: EQ 713, EX 711, TU 709 (Mar 2017: 550's)
Message 54 of 223
Valued Member

Re: Take the myFICO Fitness Challenge 2019

I've started gardening in Jan 2019 and already started to see some seedlings grow! Looking forward to becoming pro.

Starting: 1/1/19

Take the myFICO Fitness Challenge

AmEx BonVoy Brilliant SL $8K | CL $14KCap One Venture SL $5K | CL $8KBarclay Arrival Plus SL $2.1K | CL $3.5KBarclay Apple Rewards CL $500Discover IT Miles SL $1.8K | CL $3.3KAmEx Platinum Delta SkyMiles SL $1.4K | CL $2.4K 
Message 55 of 223

Re: Take the myFICO Fitness Challenge 2019

I am not sure if i did this correctly, the HTML was giing me an error...

Current Scores: 2/24/2019
Equifax 648
Experian 643 Transunion 653
Goal :700
Message 56 of 223
New Visitor

Re: Take the myFICO Fitness Challenge 2019

Hoping to pay off some unsecured debt to get ever closer to 850!

Starting Score: 826
Current Score: 826
Goal Score: 840

Take the myFICO Fitness Challenge
Message 57 of 223
Established Contributor

Re: I'm in! - My 2019 personal finance and fico goals

My oldest account is 20 months old (car loan).
Oldest cc is 1 year.
My FICO score are 695-700 all 3.
I opened 10 accounts in the past year. Most will be 1 year in a couple months. That's when I hope to get 1 more great card with a decent 0 Apr intro offer.
My question is would it be smart to go for my 2nd disco card since I have a relationship with them? Plus I do like thier offers.
I know plenty of other Banks offer similar offers but I'm looking for a good sl.
I still have one cap1 card still secured will be 1 year next week.( I've heard ppl close it and get Quicksilver) I just don't see a reason to take 3 hard pulls for cap1...
I now have a home Depot card will this help me if I applied for a Citi card?
Last month when my utilization was 5 percent I pre qualified for us bank and Amex. Once it went up to 28 I no longer pre qualified.
Cards I'm looking at
disco- 5% cash back rotating categories.
Us bank cash+.
Amex everyday denied in January 19...
Citi double cash.
I'll wait to be pre qualified before I app.
Anyone know Wich bank would accept a young but strong profile. Never missed any payments.
And inquiries will be 2 maybe 3 on all 3 reports when I apply,and of course I'll take my utilization down to about 5%.
Thanks in advance for any information.
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
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
Amex Green
BJs perks World Mastercard-14,000
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
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800

Message 58 of 223
Established Member

Re: Take the myFICO Fitness Challenge 2019

Excited about this challlenge. I have come so far and still have a ways to go. But that is fine, I will make the best of every step along the way. 

Message 59 of 223
Established Contributor

Re: Take the myFICO Fitness Challenge 2019

Happy March
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750

Take the myFICO Fitness Challenge

Message 60 of 223
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