Take the myFICO Fitness Challenge 2021!

[Anonymous]

I'm in! Just saw this post today. Early in starting my rebuild (started 2 months ago), but happy with positive changes so far! So far I've started a Self lender credit builder loan and opened an account with cred.ai in the last 2 months. Have good car payment history for 4 years (minus 1 single payment that was paid 32 days late, so I'm sending a goodwill letter). Next up is clean up- goodwill letter/verification letters/report clean up/pay 4 remove. I actually only show a few very small negatives that aren't medical. Medical is my largest issue, so I'm trying to find the best ways to tackle those. 

Goals: 700 score, CCs with bonuses

Future goals: buy new car, buy a home, launch my business

[Anonymous]

FIRST TIME myFICO Fitness Challenge!  Excited and a bit daunted to be here.  Thanks to all who have gone before to provide us with the wealth of experience we would otherwise not have.  THANK YOU!

[M_Smart007]

@Anonymous,

  to the myFICO® Forums!

[Anonymous]

Hi everyone,

This is my first time joining MyFICO. Unfortunately I lost my job back in 2018 while pregnant and my credit took a hit after successfully rebuilding after bankruptcy to a 660. My lowest point was a 490. Ouch! Over the last year I have increased about 100+ points depending on the scoring model. My goals this year are to lay down my debts, continue to make on time payments, and continue to rebuild my credit history. 

[M_Smart007]

Hi @Anonymous and   to the forum!

[GApeachy]

---

@M_Smart007 wrote:

Hi @Anonymous and   to the forum!

---

Ditto! 

Congrats on the 100+ points!

[GApeachy]

---

@M_Smart007 wrote:

@Anonymous,

  to the myFICO® Forums!

---

Ditto again!  @Anonymous and @Anonymous 

[GApeachy]

---

@Jjhart36 wrote:

I'm confused on how to do get the fitness challenge set up, I click on the link and it just takes me back to this page 

---

Did you try this? 

https://ficoforums.myfico.com/t5/Take-the-myFICO-Fitness/Official-myFICO-Fitness-Challenge-Signature...

[Dryzzt23]

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

1. get my scores to 750
2. get my utilization down to 10% or lower
3. stay in the garden until Nov/Dec

Goal credit cards:

• Chase Sapphire Reserve
• AMEX BCP

[Anonymous]

Checking to see that the My FICO Challenge is now displaying....