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Take the myFICO Fitness Challenge 2021!

Trying47
New Contributor

Re: Take the myFICO Fitness Challenge 2021!

Hello all. I joined late in the game during the 2020 challenge, but I'm continuing on my credit journey.

 

For 2020, this is what I accomplished:

1) Paid off all collections, charge offs, and past dues

2) Removed all of my collections accounts 

3) Got approved for the NFCU cash rewards CC

4) Raised my credit scores by ~150 points 

 

For 2021, my goals are as follows:

1) Pay off a predatory loans I took out previously (in good status)

2) Receive a CLI for my NFCU CC and be approved for another NFCU CC

3) Let my credit age

4) Raise my score to 750

5) Purchase a business 

 

Happy 2021 all!

Starting Score: 470
Current Score: 692
Goal Score: 800


Take the myFICO Fitness Challenge
Message 11 of 98
AlchemysMom
Valued Member

Re: Take the myFICO Fitness Challenge 2021!

i have spreadsheets for everything never thought to lay my scores out in such a way thanks for the inspiration!!!
Starting Score: 4 something
Current Score: six something
Goal Score: 8 something


Take the myFICO Fitness Challenge




Message 12 of 98
dogenzaka
New Contributor

Re: Take the myFICO Fitness Challenge 2021!

This is my first time preticipating in this challenge. I have just a few goals that I would like to share. 

1. I would like to get in with chase(freedom flex) & Amex(gold or platinum ) for travel. + join NFCU.

 

2. AZEO for every month this year.

 

3. Help my younger sibling start building credit.

 

As I just entered the world of credit last year I need to graduate from my disco secured card + cap1 secured card. I plan to keep reading this forum and educating myself and others around me about credit. I read somewhere on here "a good friend won't let you earn 1% back" haha

professional lurker
Message 13 of 98
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@dogenzaka wrote:

 

3. Help my younger sibling start building credit.

 

As I just entered the world of credit last year I need to graduate from my disco secured card + cap1 secured card. I plan to keep reading this forum and educating myself and others around me about credit. I read somewhere on here "a good friend won't let you earn 1% back" haha


More power to you, esp. #3   You're awesome to do this.

Yeah, that 1% thing is funny.

Happy 2021!

"My Take Home Pay Don't Take Me Home"
Message 14 of 98
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@Trying47 wrote:

 

4) Raised my credit scores by ~150 points 

   ^^^^^ Luv it!  ^^^^^  Congrats and Welcome, you're obviously NOT late....not after doing that.

"My Take Home Pay Don't Take Me Home"
Message 15 of 98
Trying47
New Contributor

Re: Take the myFICO Fitness Challenge 2021!

@GApeachy 

I started back in March 2020, but joined the challenge in October or November last year.

Baby steps, with occasional large jumps lol


@GApeachy wrote:

@Trying47 wrote:

 

4) Raised my credit scores by ~150 points 

   ^^^^^ Luv it!  ^^^^^  Congrats and Welcome, you're obviously NOT late....not after doing that.


 

Starting Score: 470
Current Score: 692
Goal Score: 800


Take the myFICO Fitness Challenge
Message 16 of 98
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@Trying47 those occassional large jumps are nice.  Keeps the motivation level high.  What about your sibling? Is he/she eager to start building?  When I first started helping my ds and dil I was surprised how quickly their scores climbed and surprised at some of the limits they got, or cli's they received.  It's pretty fun cuz I was doing for them the things I wished I had done for myself, including avoiding certain products.  A lot of it is in the timing itself.
Good Luck!
"My Take Home Pay Don't Take Me Home"
Message 17 of 98
Trying47
New Contributor

Re: Take the myFICO Fitness Challenge 2021!

@GApeachy 
the sibling is the other poster lol

Starting Score: 470
Current Score: 692
Goal Score: 800


Take the myFICO Fitness Challenge
Message 18 of 98
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!

@Trying47  ahahahahaha!  Lawdy, I need a nap.

I was about to ask you, what other poster?  Let me get off this site pronto.  I need to plug in and recharge.  

 

Keep on keeping onSmiley Wink

"My Take Home Pay Don't Take Me Home"
Message 19 of 98
mgood
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2021!

What are y'all using for your "Starting Score, Current Score, Goal Score"? Pick one out of the three? Or are you averaging them, or what?

GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 736, TU8 743, EX8 735
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 20 of 98
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