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Take the myFICO Fitness Challenge 2025!

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Kenny
Moderator Emeritus

Take the myFICO Fitness Challenge 2025!

Happy New Year to the myFICO Forums Community!

Can you believe we’re entering our SIXTEENTH 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 2024's challenge here.

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3 REPLIES 3
TrapLine
Frequent Contributor

Re: Take the myFICO Fitness Challenge 2025!

Sixteenth Year of the Fico Challenge is notable!

 

Many posters and guests have had an opportunity to benefit from the trials and tribulations of the Forum's extensive posting audience.

 

A lot of quality learning is available in this Forum and if a poster needs more information, they need only ask. Some one has usually experienced the matter.

 

Best wishes heading into the new year of 2025. Many actions swirling around in the financial markets that could affect consumers. Stay tuned.

Message 2 of 4
FromNYtoDubia
Member

Re: Take the myFICO Fitness Challenge 2025!

Good Morning, 

 

Newbie here (6 days in) and extremely excited to learn about this community. I am currently in the stage of actually building credit. Unfortunately I am 33 with no credit profile whatsoever, so my goal is to create a great and clean profile so I can be like everyone else here and have a great credit score and etc. 

Goals: 

- Make a imprint in my credit score. 

- Obtain my first unsecured cc

- Start building a strong/smart profile 

 

(Hopefully I did this right. Please excuse me if I did not.) Looking forward to the completing my goals in this Challenge! Let's Go! 

 

 

Message 3 of 4
herverse
New Visitor

Re: Take the myFICO Fitness Challenge 2025!

Newborn challenger here!

 

I am 33 years of age and just reached a point in my life where I am able to learn about credit and personal finance. I filed a bankruptcy chapter 7 back in 2017 and have been trying to improve my credit over the past year after making some hiccups since filing my bankruptcy. I have been able to get some accounts removed and get some late payments removed via Goodwill request.

 

My goal for this year is to apply for an auto loan towards the end of February or beginning of March and then throughout the next 12 to 14 months. I want to make sure that I pay off all debts whether they are on or off my credit report and to maintain positive payment histories on all of my accounts to prepare for buying my first home around May or June 2026.

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