cancel
Showing results for 
Search instead for 
Did you mean: 

Take the myFICO Fitness Challenge 2021!

ComeBackLady
Established Contributor

Re: Take the myFICO Fitness Challenge 2021!

Tidying up......

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 81 of 90
MadPoet
New Visitor

Re: Take the myFICO Fitness Challenge 2021!

Starting mid-year, but better late than never. I have two old accounts in collections I need to get sorted out. My only current debt is my truck. I got a 6-year loan but I'm on track to pay it off in 4. Would like to like to knock it down even more.

Starting Score: 605
Current Score: 605
Goal Score: 750


Take the myFICO Fitness Challenge
Message 82 of 90
Technician2210
Established Member

Re: Take the myFICO Fitness Challenge 2021!

A quick mid-month update on my mortgage journey. I'm still waiting to lock in a rate, and I'm down to the last 60 days sprint. My scores at the end of this month and whatever happens in June will be the clincher. While I'm not where I would have wanted to be (lowest mortgage score at 740+) at least I'm making good progress.

 

MORTGAGE SCORE (FICO 5, 4, 2) history:

 

November 2020:

EXP: 622

TU: 645

EQ: 658

 

March 2021:

EXP: 680

TU: 672

EQ: 650

 

April 2021:

EXP: 677

TU: 672

EQ: 654

Starting Score: 593
Current Score: 703
Goal Score: 725


Take the myFICO Fitness Challenge
Message 83 of 90
wealthbuilder99
New Member

Re: Take the myFICO Fitness Challenge 2021!

Have had a heck of a year ... COVID and all!

 

Just increased my FICO 8 score at TU to 803 this month ... it really opened my eyes to how hard it is to pay your debt but how easy it is to run it up.  EQ and EXP are coming along nicely as well.

 

I have been immersed in improving (fixing) my credit scores and it has really paid off ... so many things are open to me now in terms of investments, travel, education.  I really don't understand all the "gimme, gimme" that people have to say to the government.  There is nothing like hard work to appreciate things in life.

 

Many thanks to all here who have provided advice to others that I have followed to get where I am - and where I am not!

 

 

~ As of 09/2020 ~   ~ As of 05/2021 ~
Starting Score: 585   Starting Score: 585
Current Score: 717   Current Score: 803
Goal Score: 750    Goal Score: 850

Take the myFICO Fitness Challenge 2021!
Message 84 of 90
KikiTheCookie
New Member

Re: Take the myFICO Fitness Challenge 2021!

I'm so excited sometimes old wounds do heal if given time! 

I have so many projects I'm working on and am excited about reaching a 750 credit score in the very near future! I'm currently paying $2k-$3k per month to my personal debt.

Starting Score: 575
Current Score: 642
Goal Score: 750


Take the myFICO Fitness Challenge
Message 85 of 90
RickFox
New Member

Re: Take the myFICO Fitness Challenge 2021!

I am looking to buy a new vehicle next spring after I pay off my current vehicle loan.  My goal is to get my score above a 750 to qualify for a better rate.  Overall, I would like to be apart of the 800 club. 

Starting Score: 719
Current Score: 719
Goal Score: 800


Take the myFICO Fitness Challenge

*Current Credit Cards
Amazon Store Card - $6,000 CL
Citi Costco Visa- $2,200 CL
Citi Best Buy Visa - $8,000 CL
Discover It Cash Back - $7,000 CL
USAA Signature Visa - $2,500 CL
Capital One Venture - $4,750 CL
Capital One Quicksilver - $5,450 CL
Lowes Advantage Store Card - $5,000 CL
US Bank Rewards Visa - $1,000 CL
Verizon Signature Visa - $5,000 CL
Amex Delta Skymiles Gold - $10,000 CL
Amex Hilton Honors - $2,000 CL

Message 86 of 90
39Crabs
New Member

Re: Take the myFICO Fitness Challenge 2021!


@Kenny wrote:
2021-balloons-e1489005372593.jpg
 
 
 
 
 
 
 
 
 
 
 
Happy New Year to the myFICO Forums Community!

Can you believe we’re entering our TWELFTH year of the myFICO Fitness Challenge?!
If you have financial goals, the myFICO Fitness Challenge is the place for you!


What is the myFICO Fitness Challenge?
To take part in the myFICO Fitness Challenge, simply post an introductory note and state your financial goals for the coming year. Are you hoping to raise your FICO Score? Buy your first home? A new car? Get that coveted rewards card? Tell us about what you hope to achieve, and what reaching those financial goals will mean to you. As the year progresses, check back here to report on your progress, talk about hurdles you encounter, or simply reach out for support and encouragement from your fellow Fitness Challengers.

Monthly Check-Ins
To help you stay on track we encourage you to stop by for monthly check-ins. On the first day of each month, myFICO will post a monthly check-in thread for you to talk about your progress, successes, speedbumps, etc. Participation in these monthly check-ins is optional - but encouraged!

First time Challenger?
If you’re new to the myFICO Fitness Challenge, then welcome! To begin, set up your official  MyFICO signature on your Profile page (Go to My SettingsPersonal ProfilePersonal Information). Then just reply to this topic, telling us a little about your financial situation, your goals, and how you plan to achieve them during the coming year.

Returning Challenger?
Welcome back! Please be sure to update your myFICO Fitness Challenge signature, so it directs to the current challenge. If you'd like, you can review 2020's challenge here.


Checking if it works.

FICO 8
EQ 608 TU 631 EX 591
Capital One Platinum $500
Mission Lane $750
Mercury $1750
Message 87 of 90
Technician2210
Established Member

Re: Take the myFICO Fitness Challenge 2021!

Banner weekend for me! I applied and was approved for the American Express Gold and the Chase Sapphire Preferred! I'm going to be buying appliances anyway, so I figured why not snatch up those big SUBs?

 

Amex was a soft pull for me (current customer). Chase was a hard pull on Experian and Equifax. I lost 1 point on Equifax and 3 on Experian. 

 

I also "forgot" a quick supermarket trip on one of my old credit builder cards ($250 limit) that posted before I remembered. So I had 66% utilization on that card, even though my total utilization went down. So much for AZEO this month. I cut the card by the way, I don't need that mistake happening next month. Every card has to be played close to my chest, even though I took a little gamble. Next month is going to be good!

 

 

Starting Score: 593
Current Score: 703
Goal Score: 725


Take the myFICO Fitness Challenge
Message 88 of 90
39Crabs
New Member

Re: Take the myFICO Fitness Challenge 2021!

working?

FICO 8
EQ 608 TU 631 EX 591
Capital One Platinum $500
Mission Lane $750
Mercury $1750
Message 89 of 90
mcl524
New Member

Re: Take the myFICO Fitness Challenge 2021!

Better late than never!

Starting Score: 587
Current Score: 599
Goal Score: 850


Take the myFICO Fitness Challenge
Message 90 of 90
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.