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Take the myFICO Fitness Challenge 2021!

Vmarin126
New Member

Re: Take the myFICO Fitness Challenge 2021!

Hi I am new to the forum but I have been lurking for a long time. I screwed up my credit back in 2016 and I am trying to rebuild it now.  10/2022 I have some collections that will fall off and I am hoping that my credit will get better. 

Starting Score: EQU 570- Trans 589- EXP 599
Current Score: EQU 594- Trans 616- EXP 598
Goal Score: 700 Across the Board

Take the myFICO Fitness Challenge!
Message 41 of 98
Trying47
New Contributor

Re: Take the myFICO Fitness Challenge 2021!

I woke up this morning to a TU FICO9 of 721. It's hard for me to grasp but I'm beyond happy and proud

CFB5BC63-1CF5-4123-AA17-D5B8A1250AE5.jpeg

 

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


Take the myFICO Fitness Challenge
Message 42 of 98
kidink1911
Established Contributor

Re: Take the myFICO Fitness Challenge 2021!

Kudos!! Congratulations on your stellar score!!

AMEX Platinum- NPSL // AMEX Gold- NPSL // NFCU Visa Signature cashRewards- $5,800 // AMEX Delta Platinum- $4,200 // NFCU More Rewards AMEX- $1,000 // Credit One Platinum Visa Rewards- $1,000 // Discover IT Chrome- $1,000 // Sunbit Visa- $1,000 // Capital One Venture- $3,550 // AMEX Cash Magnet Card- $1,000 // Venmo Credit Card- $1,200 // Capital One Spark- $500 // Fifth Third Bank MC- $300 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
Goal Transunion Score: 775


Take the myFICO Fitness ChallengeStarting Experian Score: 588
Current Experian Score: 623
Goal Experian Score: 775


Take the myFICO Fitness ChallengeStarting Equifax Score: 554
Current Equifax Score: 627
Goal Equifax Score: 775


Take the myFICO Fitness Challenge
Message 43 of 98
Indymom20
New Member

Re: Take the myFICO Fitness Challenge 2021!

Hi Everyone! This is my first challenge! Joining a little late but super excited. 
My goals for this year are to get my credit score to a respectable score and buy a new car. 


Starting Score: 551
Current Score: 593
Goal Score: 700


Take the myFICO Fitness Challenge
Message 44 of 98
itsnew
Contributor

Re: Take the myFICO Fitness Challenge 2021!

Im late joining the fitness challenge, but I'm ready to begin. Its been 3 years since I've participated in this forum, and I've done well with my approvals and credit card limits. What I have noticed is I have not consistently maintained a credit score of over 700. I originally began several years ago with little to no credit. I'm proud to say that I have aquired several cards with limits that I am very proud of.

 

I have quite a few inquiries that I am looking forward to have age off of my score this year.

 

My goal is to increase my credit score to 750, remove the inquiries on my account. Current scores:

 

Exp 693, Equifax 690, T/U 693

 

img align="left" border="0" width="50" height="50" src="https://ficoforums.myfico.com/html/assets/challenge.png">Starting Score: 693
Current Score: 800
Goal Score: 850


Take the myFICO Fitness Challenge
Message 45 of 98
mgood
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2021!


@Indymom20 wrote:
My goals for this year are to get my credit score to a respectable score and buy a new car. 

I started out just trying to improve my score so that I could get approved for an auto loan, but working on that score has become a hobby.

I keep thinking I need to save up a down payment. Then I think that if I take that money and pay my balances down a little further it will improve my score more.

 

Good luck.

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 46 of 98
nwa479
Contributor

Re: Take the myFICO Fitness Challenge 2021!

This is my first time entering the challenge.  My starting scores were at the beginning of 2020.  My scores had been in the low 600s for years due to a few collection items and high utilization.  

In late 2020 I paid off all credit cards and now maintaining my utilization below 3%

 

The 3 collection items were paid off recently and one agreed to PFD.  Will try GW letter to delete the other two

 

I have 100% on time payments since 2017 but my scores were lower due to high utilization and collections.  

Goals for 2021

1) Get rid of rebuilding cards with AF.   My CL is 17k spread over several cards.  Would like to replace several rebuilder cards with no AF cashback cards.  
2) Eliminate collection items with PFD or GW letter. 
3) All three Fico8 scores above 720

4) Keep Cards at AZEO.  
5) Continue to follow the forums and learn all I can.  Working now to teach my daughter good credit management also. 
6) Qualify for low interest home loan. We are considering building a new home in the next year.  

 

 

 

 

 

 


My Fico Scores



Message 47 of 98
poshcredit
New Member

Re: Take the myFICO Fitness Challenge 2021!

Hi everyone - newbie here Smiley Tongue

 

My short backstory, I racked up debt helping others and got sued in the process. Utilization is like 104% right now and my debt to income is upside down.

 

My goal is to purchase a home by 2022. The main goals to get there will be: bring my past due items current, continue with on time payments, reduce utilization and remove old collections. 

 

 

 

 

 

 

 

~Building & Repairing~
Message 48 of 98
Jjhart36
New Visitor

Re: Take the myFICO Fitness Challenge 2021!

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 

Starting Score: 487
Current Score: 487
Goal Score: 700


Take the myFICO Fitness Challenge

I used my middle mortgage score which is almost 100 points lower than my FICO 8

Message 49 of 98
Jjhart36
New Visitor

Re: Take the myFICO Fitness Challenge 2021!

Not sure if I joined right but my goal is to raise my Fico 5,4,2 up enough within the next 24 months to buy a home 

Starting Score: 487
Current Score: 487
Goal Score: 700


Take the myFICO Fitness Challenge

I used my middle mortgage score which is almost 100 points lower than my FICO 8

Message 50 of 98
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