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Take the myFICO Fitness Challenge 2021!

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LuckyInLife
New Member

Re: Take the myFICO Fitness Challenge 2021!

My goal is to get my scores high enough to be able to buy a house within the next year.

Message 61 of 101
Sax2610
Contributor

Re: Take the myFICO Fitness Challenge 2021!

@Anonymous 

Congratulations on the new freedom 👏 . If i can do it i know you can keep pushing forward 

 

 

Message 62 of 101
Jshepherd04
Established Member

Re: Take the myFICO Fitness Challenge 2021!

Hello I am glad to be a member here.

 

My main goals is too see how high I can get my score and too begin establishing good payment history. Finally starting to pay attention too my credit and see how much I can rehab my scores

Starting FICO8 Score on 01/2021: EQ-540, TU-540, EX-540
Current FICO8 Score on 04/2024: EQ-687, TU-716, EX-665
Credit Cards
Discover IT (1/15/2021) - $1,500 SL
Capital One QuickSilver (3/4/2021) - $300 SL
NFCU Cash Rewards Mastercard (4/12/2021) - $6,000 SL
NFCU Cash Rewards Visa (5/31/2021) - $23,000 SL
Lowes Advantage (9/3/2021) - $6,000 SL
Directions CU Rewards Visa (9/9/2021) - $5,000 SL
Amex Blue Cash Preferred (2/13/2022) - $1,000 SL
PenFed Power Cash Rewards Visa (2/15/2022) - $2,000 SL
Capital One Platinum (3/1/2022) - $2,000 SL
Toro Card (TDBank)(5/30/22) - $3,500 SL
CareCredit(7/1/22) - $7,000 SL
Citi Double Cash Rewards Card(7/6/23) - $970 SL
PayPal Rewards Card(7/20/23) - $1,400 SL
Amazon Prime Card(12/20/23) - $1,200 SL
USAA Rate Advantage Visa Platinum(4/29/24) - $1,000 SL
Total CL - $61,870
PenFed Auto Loan at 4.4% APR(12/26/2021)

Message 63 of 101
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2021!

I am six month from discharging a chapter 7.  I would like to get my scores up enough to purchase a car without double digit interest rates.  I would like to get my scores up to 720.  The Fico stimulator tells me that I can raise my score if I pay off $56K of my student loans, but I don't see that happening soon.

Message 64 of 101
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2021!

I am new here. Since July of last year I have been working to increase my credit score. I made a lot of stupid mistakes in my past not realizing how damaging it would be to my future. So now here I am ready to buy a home for the first time and being haunted by those past mistakes that have resulted in low credit scores. This year I would really like to buy my first home. So it is so important that I get my score up to at least a 670 is what I have heard. I'm close, but not seeing what else I can do over the next few months to get there. I recently paid of all my credit cards which gave me a boost. Working hard to get there and educating myself!

Message 65 of 101
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@Anonymous wrote:

I am new here. Since July of last year I have been working to increase my credit score. I made a lot of stupid mistakes in my past not realizing how damaging it would be to my future. So now here I am ready to buy a home for the first time and being haunted by those past mistakes that have resulted in low credit scores. This year I would really like to buy my first home. So it is so important that I get my score up to at least a 670 is what I have heard. I'm close, but not seeing what else I can do over the next few months to get there. I recently paid of all my credit cards which gave me a boost. Working hard to get there and educating myself!


Hi!  Welcome to the Forum!

To help with scores do a search here for AZEO.  That will help you maximize scores with your tl's.  Do you have any derogs on your cr's?  If so, you can list them here or in the "rebuilding" section for advice.  Good Luck to you and hopefully you'll have the house keys in your hands soon.  The higher your scores, the lower your interest rate will be and hopefully you'll find advise that you can use to help with that.

My Take Home Pay Don't Take Me Home
Message 66 of 101
fbc200384
Valued Member

Re: Take the myFICO Fitness Challenge 2021!

I'm in the same boat. I'm close. We can the light at the end of tunnel.

Current Fico 8 as of 04/2023 :



Fico 10 04/2023 [TU626] [EX621] [EQ 638]
Message 67 of 101
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2021!

Yessssss!!! We got this!!!


@fbc200384 wrote:

I'm in the same boat. I'm close. We can the light at the end of tunnel.


 

Message 68 of 101
Yasselife
Valued Contributor

Re: Take the myFICO Fitness Challenge 2021!

1: gardening until jul 2022, +800 scores.

2: pay off cc debt [$6,250].

3: reducing the amount of cards [min 24mo of history before closing each].

 






Message 69 of 101
Anonymous
Not applicable

Re: Take the myFICO Fitness Challenge 2021!

Joining this challenge late, but my 2021 goal is to break 700 on one or more scores, and to pay down all cards to within range that I can pay them off each month (less a little left to report on one - AZEO)!

Message 70 of 101
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