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Take the myFICO Fitness Challenge 2021!

fbc200384
Established Member

Re: Take the myFICO Fitness Challenge 2021!

Hello, love this forum. Long time lurker and everything is so helpful. I'm in rebuilding process since I didn't take my credit seriously during my 20s.

Goals for this year is to have scores close to 700 all across the board and most likely garden until the following year. 

Current Fico 8 as of 4/2021:



Fico 9 04/2021 [TU 647] [EX622] [EQ 683]
Message 51 of 98
benreily
Established Contributor

Re: Take the myFICO Fitness Challenge 2021!

Congrats. That's a big change!

Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
From myfico.com EQ Score: (Nov 8rd, 2021) From myfico.com EQ Fico 8 795, Fico 9 806 | TU Fico 8 820, Fico 9 823 | (from experian) EX Fico 8 782, Fico 9 804
Oct 2021 AoOA 19 years, 6 months, AAoA 6 years, 11 months



Message 52 of 98
Jarisaunt
New Member

Re: Take the myFICO Fitness Challenge 2021!

 

 

Message 53 of 98
Taki
New Member

Re: Take the myFICO Fitness Challenge 2021!

I'm late to the party but excited to join!

 

My goal is to purchase a house this year.  I need to raise my scores about 45 points.  I plan on writting a few Goodwill letters and paying of my CCs.  My utilization is at like 90% right now.  I look forward to using this forum to staying focused and on track.

Starting Score: 581
Current Score: 606
Goal Score: 650


Take the myFICO Fitness Challenge
Message 54 of 98
Rozey66
Established Member

Re: Take the myFICO Fitness Challenge 2021!

I am brand new to the forum, but have been chipping away at cleaning up my FICO for about a year. I had planned to get all my CC debt resolved by the end of the year or sooner and work on clearing out my two voluntary repo's from the last two years. Plans changed when my landlord informed me I can't renew my lease at end of June and need to move - immediate goal is maximum short-term gains to hopefully squeek out a mortgage on a new place, end of year goal is solid 640 foundation I can breathe easier from and fix the rest.

Starting Score: 558
Current Score: 558
Goal Score: 600


Take the myFICO Fitness Challenge
Message 55 of 98
nwa479
Contributor

Re: Take the myFICO Fitness Challenge 2021!

Welcome to the forum.  I've visited the forum off and on for a few years but recently also started getting more serious about improving my credit for a mortgage. There are a lot of great resources and knowledgeable members here that can help

 

You stated your goal was 640?   Is that your Fico8 goal or the mortgage score goal.  Usually lenders will use your MMS or middle mortgage score.   


My Fico Scores



Message 56 of 98
Gem24
Member

Re: Take the myFICO Fitness Challenge 2021!

First post!  My 2021 goal is to break a 700 FICO.  I would like to be able to refinance my home.

 

Low scores due to high utilization and lates during 2020. Working on paying off credit card debt.

FICO 8: 616, 630,642 

FICO 5, 4 & 2: 579, 605, 585

FICO Auto:  612, 591, 645

Message 57 of 98
achunter74
New Member

Re: Take the myFICO Fitness Challenge 2021!

After divorce, the pains of starting over have been giving a me new sense of freedom. I ready to reclaim all the "credit' I deserve, by managing my credit utilization and increasing CL's. 

Credit Rebirth
Starting Score: 575
Current Score: 650
Goal Score: 850


Take the myFICO Fitness Challenge
Message 58 of 98
driftingzen
New Member

Re: Take the myFICO Fitness Challenge 2021!

I have had this account for a minute but haven't posted yet (1st one) and don't get on often. Figured now would be a good time to start. My credit took a dip at the beginning of this year (720 to about 670) after an apping spree. It is now around 690.

 

My goals for 2021 are:

  • increase my FICO score
  • increase my Discover & Citi credit lines
  • and garden so I can app for Chase in 2022
Starting Score: 720
Current Score: 690
Goal Score: 750


Take the myFICO Fitness Challenge
Message 59 of 98
Super_Improv
New Visitor

Re: Take the myFICO Fitness Challenge 2021!

Starting a little late but working to 1) pay off student loans, 2) raise my score 100pts and Delta Skymiles approval

Starting Score:EQ8 573 TU8 586, EX8 567
Current Score:EQ8 631 TU8 643, EX8 631
Goal Score:EQ8 740 TU8 740, EX8  740


Take the myFICO Fitness Challenge
Message 60 of 98
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