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Take the myFICO Fitness Challenge 2024!

Moderator Emeritus

Take the myFICO Fitness Challenge 2024!


Take the myFICO Fitness Challenge 2024!



Happy New Year to the myFICO Forums Community!

Can you believe we’re entering our FIFTEENTH year of the myFICO Fitness Challenge?!
If you have financial goals, the myFICO Fitness Challenge is the place for you!

What is the myFICO Fitness Challenge?
To take part in the myFICO Fitness Challenge, simply post an introductory note and state your financial goals for the coming year. Are you hoping to raise your FICO Score? Buy your first home? A new car? Get that coveted rewards card? Tell us about what you hope to achieve, and what reaching those financial goals will mean to you. As the year progresses, check back here to report on your progress, talk about hurdles you encounter, or simply reach out for support and encouragement from your fellow Fitness Challengers.

Monthly Check-Ins
To help you stay on track we encourage you to stop by for monthly check-ins. On the first day of each month, myFICO will post a monthly check-in thread for you to talk about your progress, successes, speedbumps, etc. Participation in these monthly check-ins is optional - but encouraged!

First time Challenger?
If you’re new to the myFICO Fitness Challenge, then welcome! To begin, set up your official  MyFICO signature on your Profile page (Go to My SettingsPersonal ProfilePersonal Information). Then just reply to this topic, telling us a little about your financial situation, your goals, and how you plan to achieve them during the coming year.

Returning Challenger?
Welcome back! Please be sure to update your myFICO Fitness Challenge signature, so it directs to the current challenge. If you'd like, you can review 2023's challenge here.

Message 1 of 7
Established Member

Re: Take the myFICO Fitness Challenge 2024!

Hi there--I'm starting to rebuild my credit today. I went through a bad time a little over a year ago, and everything went sideways. I started paying off the debt, and it's been about a year of that. I'm ready to do whatever I can to get my score to a place where I can buy a house in the next few years.


April '24
FICO Score 8:
Equifax 618 | TransUnion 628 | Experian 627
emergency fund at 25% of goal

Rebuild start Jan '24
Equifax 599 | TransUnion 609 | Experian 626
no emergency fund
Message 2 of 7

Re: Take the myFICO Fitness Challenge 2024!

Since January 2022, I have been dedicated to rebuilding my credit. At that time, my average FICO score was 610. I am pleased to report that it has since increased significantly to an average of 749. Like many individuals, my aspiration is to join the esteemed 800 club by the conclusion of 2024. Additionally, I am committed to practicing financial prudence throughout the year to include gardening for the entire year. Wishing everyone success! Smiley Happy

Message 3 of 7

Re: Take the myFICO Fitness Challenge 2024!

You will SUCCEED!

Message 4 of 7
Established Member

Re: Take the myFICO Fitness Challenge 2024!



I filed Ch. 7 BK and was discharged May 2017.


I started rebuilding credit and went thru a depression in 2021 and frankly didn't care about much at all during that time; including paying my bills on time. I carried this irresponsible behavior into 2022 with an all time low score in the high 400s.


I sobered up and started paying bills on time, paid down a significant portion of my debt.  I got CLIs and added about 3 new cards to my existing 5.  


In August of last year, my mortgage scores were 591, 602, 570.  I had my loan officer repull last Sunday and my scores are now at 638, 634, and 613.


I don't think I need anymore cards with a total of 8.  At this point I'd like to work on raising my overall limit on the cards I do have.


My total credit limit between all of the cards is ~$18,000.

Ch. 7 BK Discharged May 2017

In My Wallet:

Total Credit Limit $18.1K | Utilization 16.37%

FICO 8s 7.2023

FICO 8s 2.2024

Starting Score: 633
Current Score: 654
Goal Score: 750

Take the myFICO Fitness Challenge

Message 5 of 7
Established Member

Re: Take the myFICO Fitness Challenge 2024!

Hi Fitness Challengers,

I am excited to join the MyFICO Fitness Challenge for the 1st time!


Financial situation:

I have been building my CS for 6 years - 3 years actively building, then 3 years doing nothing, and now looking to make 2024 my big upgrade year. Here are my starting stats:

  • AoOA: 5 years, 6 months
  • TCL: $50K
  • CCs: 5 active (Amex Cash Magnet, Chase Freedom Unlimited Visa, Chase Freedom Flex Mastercard, TD Cash Rewards Visa,  TJX Rewards Platinum Mastercard), 2 closed due to inactivity (TD Cash Rewards Visa, Discover It Cash Back)
  • CS: 753 EX, 766 EQ, 774 TU


My goals:

  1. Obtain CLI on all existing CCs.
  2. Apply for new CCs that are cash-back and 0 AF.
  3. Finally surpass the coveted 800 CS mark (I have been around 750 for the past 3 years without much activity).
  4. Use my "very good" CS to apply for a mortgage and buy my very first property.


Note on signature:

I cannot currently update my signature with the My FICO Fitness Challenge because my community rank has been downgraded to "New Visitor" due to the last 3 years of inactivity (that's why you do see an old signature from when I was last an active Member of this forum, but I cannot change it until my ranking progresses back to "Member").

[Mar. 2024]

Starting Score: 753
Current Score: 753
Goal Score: 800

Take the myFICO Fitness Challenge
Message 6 of 7
New Member

Re: Take the myFICO Fitness Challenge 2024!

Hello all, I started my credit rebuilding  journey last month but just found out about myFICO last week. Some of my goals are to buy a home when i return to the states. I am currently serving in the military overseas. I haven't really been tracking my credit over the years so I have a lot to work on but I'm ready to start the journey.  Here's my current scores


FICO Score 8:
Equifax 632 | TransUnion 649 | Experian 659

Message 7 of 7
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