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Take the myFICO Fitness Challenge 2019

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Valued Member

Re: Take the myFICO Fitness Challenge 2019

Hoping to get scores all above 760 by end of year. It looks like I'm almost there. I have been scouring these forums since 2015. I have learned a lot. It took longer than it should have because I still use my cards a lot.

 

Goal this year: buy 2 investment properties (with mortgages).

Goal in 2 years by a primary residence in CA.

Goal in 5 years: have the investment properties paid off.

 

Best of luck to everyone.

Starting Score: 560(2015)
Current Score: 720(middle)
Goal Score: 760


Take the myFICO Fitness Challenge
Message 61 of 192
Regular Contributor

Re: Take the myFICO Fitness Challenge 2019

I’m a newborn newbie to credit learning, much to my chagrin.  I just never paid attention to credit.   Finally pulled my 3 reports in Dec 2018.  Currently, my TU Fico 8 is 663 and EX is 662, no idea on EQ (didn’t want to pay for scores quite yet). 

 

I have a skinny skinny file.  I only have two accounts showing:  a very old joint card, now closed with good history, due to fall off in 2022; one new Discover it secured, that graduated last year.  

 

I have one baddie, a $224 oopsie that I didn't know about until Dec 2018.  It's now paid, and I have requested early exclusion.  

 

My goals:  

 

  1. Get cards after the baddie is either EE'd or falls off, in anticipation of my oldie but goodie to fall in 2022.
  2. Open DCU savings-secured loan.
  3. Mortgage in 2-3 years.   Prices are high here (California), so I need the best score I can get to avoid as much interest as possible.   Hoping to hit 800s but I’ll take 760.  
  4. Might need a new car in the next 2-3 years as well, after the mortgage if I can help it.  

 

I have a good income, but business-related legal fees to pay off, $30K.  I should pay that off by the end of the year.   This isn’t reported anywhere, to my detriment - I’ve been super diligent about it.  Would be nice to get some credit for it.  

 

Happy to be in the Fitness gym with you! 

 
 
Started 4/2018 - TU 637
3/2019 - TU 785 EX 778 EQ 782
4/2019 - TU 800 EX 764 EQ 784
9/2019 - TU 816 EX 796 EQ ? (well, I haven't checked....)
10/2019 - TU 825 EX 800 EQ 822

Scores entirely bolstered by one old, closed Wells Fargo card due to fall off in 2022.

Discover it $4,000
Chase Freedom Unlimited $11,900
AMEX Blue Cash Everyday $18,000
Chase Ink Biz Preferred $9,000
Message 62 of 192
New Visitor

Re: Take the myFICO Fitness Challenge 2019

This is my first time taking the challenge. I just attempted to purchase my first home and was denied. Unfortunately, I had no one to teach me about credit so here I find my self 38 years old and soaking up all I can about credit. My immediate goal is to try to purchase a home within the next 2 years. I come here and read all of the advice and tips others have left and I am now learning what I need to know about credit.

Starting Score: 471
Current Score: 559
Goal Score: 700


Take the myFICO Fitness Challenge
Message 63 of 192
Established Member

Re: Take the myFICO Fitness Challenge 2019

Getting started late, but its better than never!  My husband and I have been avid avoiders of our credit for the last 6 or 7 years.  We are income-wise golden to buy a house but credit report tells another story. Smiley Sad  Have some old collection accounts (which we get conflicting info from people on as far as paying off or letting them fall off), and we let one auto payment go to 45 days past due for a few months consecutively this past fall (stupid stupid stupid!).  We have two auto loans as active accounts only so we just opened the cap1 secured m/c ($200 CL) and started a Self Lender yesterday.  Hoping to get a decent enough jump in the next few months to trade-in one car (21% APR!) this summer for lower interest loan and then just build most of the year so we can buy a house next summer.  Maybe add a couple unsecured cards in the second half of the year.  Excited to learn and finally do some adulting!

Start (03/19):
Current (04/19):
Message 64 of 192
Established Member

Re: Take the myFICO Fitness Challenge 2019

Hello everyone. I've been lurking on and off several months and have learned so much. I was laid off in '09 after the crash. I held on for about 4 years but never got close to earning my original income. I have always been frugal and lived below my means. I sold everything and cashed out my savings to offset my income. I could barely pay my mortgage (let alone student loans, home, health and auto insurance, groceries, etc.). It felt hopeless. I was so overwhelmed and probably on the verge of some kind of breakdown. In 2013 I walked away from everything and my score tanked but the weight lifted off my shoulders. I didn't file for BK. Have been paying everything in cash and waiting out the clock. Not the best plan in hindsight.

 

This time last year my score was in the low 500's. I disputed a few negatives and the rest finally aged off my cr. Last week my final negative cc aged off and my score jumped from 604 to 700. The only neg left is a student loan that should age off in Jan 2020. I applied for a secured cc in August. After my score increased last week I was approved for 2 cards with decent sl's. My goal is to just let these accounts age and increase my score, hopefully into the 740-760 range. I need to save a down payment for a newer used car. Hoping to purchase in the next year or so once I have a big enough down payment and score. I bought my last car in '02. Since it broke down for the last time I've been driving a family members old car. So it's time.

 

I am I'm very grateful for all the information shared here Heart

Starting Score: 543
Current Score: 711
Goal Score: 740

Take the myFICO Fitness Challenge


Message 65 of 192
Valued Member

Re: Take the myFICO Fitness Challenge 2019

I'm a bit late to start, but I am in! I straightened out quite a few problems last year and now I'm committed to establishing financial stability. This is a great way to keep me on track.


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Starting Score: 619
Current Score: 668
Goal Score: 700


Take the myFICO Fitness Challenge
Message 66 of 192

Re: Take the myFICO Fitness Challenge 2019

My goal is to surpass 700 for all credit bureaus this time next year

Starting Score: 595
Current Score: 608
Goal Score:700

Take the myFICO Fitness Challenge
Message 67 of 192

Re: Take the myFICO Fitness Challenge 2019

I am looking to fix my credit and rebuild. I would like to be able to purchase a home in 2021.
Starting Score: 650TU 624EQ 613EX
Current Score: 656TU 624EQ 613EX
Goal Score: 750 across the board


Take the myFICO Fitness Challenge

Above scores are according to CK and EX

Fico Scores according to EX: 599TU 609EQ 613EX
Message 68 of 192
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2019

You have come to the right place. First thing I would do is forget about the credit karma scores only worried about fico. Credit karma says I have 615 and 640 to credit scores actually my ficos are all 700 plus. It seems vantagescore takes credit utilization into effect way too much at least for me.
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 745EQ, MORTGAGE-EQ-709,EX693.
Goal Score: 765 by (03/2020)
Buisness CC- Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card -6000-8/6/19-
Personal Cc's
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC-7500 sl.
7/19 Citi rewards+(wmc) 6900
5/19- American Express® Rose Gold Card-NPSL(25000-pot), 5/18-1st Disco it- 2000 , 5/19-2nd Disco it- 2000
6/18-Dcu-3000-
12/18 Amazon-6000-AND-Walmart (store cards)-6000
2/19-Home depot- 2000-
6/18-dcu2.74 Auto loan(45% paid off)
Goal score 800



Message 69 of 192
New Visitor

Re: Take the myFICO Fitness Challenge 2019

673 Transunion
673 Equifax
699 Experian
Overall Fico8 score 708

My goal is 750

Message 70 of 192
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