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Take the myFICO Fitness Challenge 2022!

RobynJ
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2022!

@Indaeyez 

How much debt do you have? Across how many trade lines? All credit card or combination of installment also? Current mortgage? 


Starting Score: 0
Current Score: 808
Goal Score: 850

Take the myFICO Fitness Challenge
Message 31 of 38
Indaeyez
New Member

Re: Take the myFICO Fitness Challenge 2022!

Hey @RobynJ, please don't quote the amount I post as there are rough estimate as I'm on mobile and not on computer but if you or others prefer actual numbers I can definitely post.

Total debt currently= ~ 36,500

Trade lines debts= ~19 account 

total trade lines= 33 open

Accounts= mostly credit and store cards but do have PLOC and. Student loan

Mortage= none

car note= none 

 

 

Starting Score: TU: 668 EX: 686 EQ: 660
Current Score: TU 8: 718 EX 8: 725 EQ 8: 712
Goal Score: 800


Take the myFICO Fitness Challenge
Message 32 of 38
Shlanko
New Member

Re: Take the myFICO Fitness Challenge 2022!

Starting score:593

Current score:711

Goal score:800

Message 33 of 38
DeanDraper901
New Member

Re: Take the myFICO Fitness Challenge 2022!

Hi Everyone!

My goals are as follows by EOY 22:

- 650+ Fico Score

- Keep all CC utilization below <10% 

- Graduate both secured credit cards to unsecured

- Become approved for AMEX card

- Become approved from First TIme Home Loan/Investor's Loan

 

Let's make it happen!

Starting Score: 514
Current Score: 559
Goal Score: 650


Take the myFICO Fitness Challenge
Message 34 of 38
RobynJ
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2022!

Have you looked into upstart? It is a loan to pay off all your cards in one affordable monthly payment and an end date instead of a constant interest payment. If you do this your utilization will drop to under 10% if you do the loan at the proper amount and your score should see a good increase. You will probably see a drop until the cards show paid and you are 3+ months into the loan. Imho. 


Starting Score: 0
Current Score: 808
Goal Score: 850

Take the myFICO Fitness Challenge
Message 35 of 38
KarimAhmed1
New Visitor

Re: Take the myFICO Fitness Challenge 2022!

 
KM
Message 36 of 38
Binbinimiwi
Regular Contributor

Re: Take the myFICO Fitness Challenge 2022!

Hey everyone! I've been lurking and sporadically posting elsewhere in the community since February. I am aiming to get my credit scores up this year and hopefully get a travel card as my next TL, saving more money, and trying to reach my overall goal of being solidly in the Good category and not just on the fringe. As a result I've got lots of gardening to do! I wish everyone the best on their journey. DP's are as follows:


1. FICO 8's:  EX 674 / EQ 679 / TU 674 & FICO 9 = 691

2. DTI: 22%

3. Utilization: 3% (It was 4% on 5/2 but Discover reported on 5/4 so it dropped)

4. Credit mix Good: 2 cc's, 4 Student loans, 1 mortgage

5. last baddie: Oct 2021(student loans)

6. 1 Medical collection @ $124 - Did PFD this week

 

Starting Score: EX 545 (Jan 2021)
Current Score: FICO8 (EX 684 / EQ 684 / TU 699) FICO 9 (EX 702 / EQ 727 / TU 693)
Goal Score: 780-790 All CRA’s


Take the myFICO Fitness Challenge
Message 37 of 38
Nikki66972
New Contributor

Re: Take the myFICO Fitness Challenge 2022!

I'm in the process of buying a home (currently in escrow).

Fico 8   EQ 685, TU 703, EX 675

Fico 9   EQ 713, TU 708, EX 696

Fico 10 EQ 725, TU 689, EX 692

My mortgage scores are 692, 711 and 703.

 

My 2022 goals are:

1) Buy a home

2) 740 or higher Fico 8 score across all CBs. I just paid off my final baddie, Chase auto recovery.

3) Navy Fed Visa Sig CLI to $15,000

Starting Score: 589
Current Score: 589
Goal Score: 680

Take the myFICO Fitness Challenge

March 2020
Message 38 of 38
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