In 2018 I made a decision to hyperfocus on improving my credit. My ex-wife was very high maintenance and extremely poor with money, so after 24 years of her my scores were in the high 500s, my utilization was in the 70% range, and there was just no end in sight.
I found myFICO years ago but just didn't have the time to dedicate to my credit.
Now I have a fiancee that takes some of the financial burden off of me. I refinanced my house, paid off high balances on credit cards, did some home improvements, and started paying down balances. My scores were bad.
In 2020, I focused on paying down balances and getting baddies off of my CR's. My scores slowly crept up during the year into the high 600's.
In 2021, I am continuing the plan and was approved for several new cards and had CLIs on other cards:
New CC's:
- Chase Sapphire Preferred - SL $8100
- AMEX Delta Skymiles Gold - $6000
- NFCU Flagship Visa - $5,000
- USAA Visa Rewards - $5,000
CLI's:
- USAA AMEX Cash Rewards - $2,000 to $4,000
- NFCU MC GoRewards - $8,000 to $11,000
- NFCU Visa GoRewards - $13,000 to $16,000
- Lowes - $1,500 to $4,000
My goals for this challenge are to
- get my scores to 750
- get my utilization down to 10% or lower
- stay in the garden until Nov/Dec
Goal credit cards:
- Chase Sapphire Reserve
- AMEX BCP
Starting Score: EQ8 657 EP8 651 TU8 649
Checking to see that the My FICO Challenge is now displaying....
