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Take the myFICO Fitness Challenge 2021!

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CarmenS
New Member

Re: Take the myFICO Fitness Challenge 2021!

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


Starting Score:540
Current Score:563
Goal Score:700


Take the myFICO Fitness Challenge

Jan 2021 scores: TU 540 • EQ 550 • EX 515
April 2021 scores: TU 563 • EQ 586 • EX 562

*Just starting to rebuild *
Message 71 of 101
A_FICOLOGIST
New Member

Re: Take the myFICO Fitness Challenge 2021!

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!

Starting Score: 491
Current Score: 491
Goal Score: 850


Take the myFICO Fitness Challenge
Message 72 of 101
M_Smart007
Legendary Contributor

Re: Take the myFICO Fitness Challenge 2021!

Message 73 of 101
800goallady
New Visitor

Re: Take the myFICO Fitness Challenge 2021!

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. 

 

Starting Score: 490
Current Score: 580
Goal Score: 720


Take the myFICO Fitness Challenge
Message 74 of 101
M_Smart007
Legendary Contributor

Re: Take the myFICO Fitness Challenge 2021!

Hi @800goallady and welcome emoticon.gif  to the forum!

Message 75 of 101
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@M_Smart007 wrote:

Hi @800goallady and welcome emoticon.gif  to the forum!


Ditto! Smiley Wink

 

Congrats on the 100+ points!

 

"My Take Home Pay Don't Take Me Home"
Message 76 of 101
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@M_Smart007 wrote:

@A_FICOLOGIST,

 

welcome  emoti.gif  to the myFICO® Forums!


Ditto again! Smiley Very Happy @A_FICOLOGIST and @CarmenS 

 

"My Take Home Pay Don't Take Me Home"
Message 77 of 101
GApeachy
Super Contributor

Re: Take the myFICO Fitness Challenge 2021!


@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...

"My Take Home Pay Don't Take Me Home"
Message 78 of 101
Dryzzt23
Valued Member

Re: Take the myFICO Fitness Challenge 2021!

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


Starting Score: EQ8 657 EP8 651 TU8 649
Current Score: EQ8 740 EP8 730 TU8 732
Goal Score: EQ 750 EP8 750 TU8 750


Take the myFICO Fitness Challenge
Message 79 of 101
ComeBackLady
Established Contributor

Re: Take the myFICO Fitness Challenge 2021!

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

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:

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Message 80 of 101
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