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Take the myFICO Fitness Challenge 2024!

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AdingoAteurbaby
New Member

Re: Take the myFICO Fitness Challenge 2024!

Great

Message 21 of 25
yam1rts
Contributor

Re: Take the myFICO Fitness Challenge 2024!

Hello Everyone, I'm a new member and consider this my first post even though it's a reply.

 

2001

I was 21 yo, lost full-time job and ended up filing for Chapter 7 bankruptcy.  I wasn't in the credit game but I remember I had a used-auto loan replaced by a new-auto loan a year after. Also had several department cards and several unsecured credit cards.  Everything wen down the drain in the bankruptcy exept a dell computer credit line that i decided to keep open and pay responsibly over time wich allowed me to slowly raise my credit from the low 500 to low mid 700s during the next 7 years.

 

2007

I was approved for the unsecured "Platinum Mastercard® from Capital One" ($2.5k SL) I was exited about finally getting back into the credit realm.  I didn't realize back then what I hear now about being bucketed in the low profile for life within Capital One. That ok becuase this is the card that stretches my credit age average. 

 

2012

I lend my credit to a "good" friend to buy a used card.  He later quit his job and left me the car and the debt.  Unfortunently that turned into a repo. Yeah, never doing that again.  The good side of this is the wakeup call, I started to rebuild my credit.

 

2014

I was now in the market for a HOME and had a good salary or at least I thought.  I learned I needed more income and improvement on my credit so comitted to that.

 

2017

While improving my score, I learned about rewards and cash back so I started with a Costco Visa, and thats when I joined the credit game.  I explored diferent cards, diferent rewards and benefits.  I put all my expenses on the Costco Visa

 

2019

With a score of 650 I was comitted to buy my first home, my strategy/trick to improve my chances was to pay off my credit card balances before the statement close date to report a 0 balance.  My goal was to have my credit report reflect 0 balance accross all cards.

 

2020

approved for the "The Capital One Walmart Credit Card"

I was finally approved for an FHA home loan for 450K

 

2021

got me a nice home and closed escrow

approved for the Apple Card ($5k SL)$7k now

approved for the Amex Blue Cash Everyday ($6k SL)$18k now

approved for the BOA Customized Cash Rewards ($8k SL)

 

2022

approved for the Citi Custom Cash Card($9k SL)$13.5k now

approved for the NFCU More Rewards American Express® Card($25k SL)$30k now

approved for the BOA BankAmericard Platinum Plus ($9k SL)$18k now

approved for the Discover It card ($9k SL)$17.5k now

 

2023

approved for the AAA Rewards Plus ($18.4k SL)no CLI, they tried to plull my FROZEN equifax.

approved for NFCU used-auto loan

 

2024

approved for the Chase Sapphire Preferred ($20.4k SL)

 

 

Still here and aiming for the following, if you know any secrets, let me know;

U.S. Bank Altitude® Reserve Visa Infinite® Card

NFCU Visa Signature® Flagship Travel Rewards Card

 

Smiley Winkyam1rts




Starting Score: 789
Current Score: 800
Goal Score: 850


Take the myFICO Fitness Challenge
Message 22 of 25
Kowboydmac
New Member

Re: Take the myFICO Fitness Challenge 2024!

Bought first home in 2020.

 

Sold home Oct 2024. 

 

Now trying to buy again.

 

2020 score - 640ish, good enough for FHA

 

Since then, it's plummeted to the low 500s.

 

Found a home we like, now have to get above 580 to secure another FHA loan.  

 

Have collections to pay but previous lender I was working with, put me in contact with a credit repair agency.  Thinking of cancelling the agency and doing my own repair to go with the new lender.

 

Once new FHA loan is secured, I want to get all my scores above 700 and work on refinancing, adding prime CCs and having a relatively new family vehicle for not-so-ridiculous monthly payments.  Personally I drive a paid off vehicle to work and back.  It's a Toyota Smiley Happy 

Message 23 of 25
Rebuilder510
New Visitor

Re: Take the myFICO Fitness Challenge 2024!

I've gone through some life challenges in the past two years and took some serious hits to my credit. I have started the process of rebuilding my credit and am looking to join a community of like minded people as I go through my credit journey.

 

My long term goals are to get all of my FICO scores to 760 or above. I'm currently working on paying down debt and trying to get some charge offs removed from my credit reports. My goal is to buy a new house in two years (or less). I've just got several secured and rebuilder cards to start the process. As my FICO scores improve, I would like to get a good balance transfer and travel card. I really like the Capital One Venture X for travel. I'm also working on building relationships with credit unions. I believe they are easier to work with than banks for rebuilding credit. About two months ago, my FICO scores were in the low 500's but I've gotten them up to the 600 - 610 range now. I'll start my next round of applications for mid ot high tier credit cards in about six months. I'm looking forward to engaging with the community!

Message 24 of 25
Gxo11
Valued Member

Re: Take the myFICO Fitness Challenge 2024!

Starting over again. Back is up against the wall but this time is different.Starting Score: 700
Current Score: 566
Goal Score: 850


Take the myFICO Fitness Challenge



Starting Score: EQ 537 TU 580 EX 527
Current Score: EQ 743 TU 704 EX 713
Goal Score: 830


Take the myFICO Fitness Challenge
Message 25 of 25
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