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Take the myFICO Fitness Challenge for 2012!

Moderator Emeritus

Re: Take the FICO Fitness Challenge for 2012!

itsy wrote:

LOL, leave it to me to ask a question that stumps a Mod!  Thanks & I'll patiently await your answer. Smiley Happy

By no means is this the first time I've been stumped and surely won't be the last!  Smiley Wink

Message 271 of 1,051
Established Member

Re: Take the FICO Fitness Challenge for 2012!

Hi adavis425,
Congrats on your graduation!!! Welcome aboard!! You are close to your goal, I'm sure you will be able to get that new car and with a good interest rate.

Starting Score: As of 2/11/2012- Credit Scores only from bureaus-EQ-563 EXP-546-TU-593
Current Score: As of 04/29/2012- EQ FICO-610- EXP-PLUS-600-TU-score only-733
Goal Score: 750 ACROSS THE BOARD!

Take the FICO Fitness Challenge
Message 272 of 1,051
Regular Contributor

Re: Take the FICO Fitness Challenge for 2012!

Hi everyone!

I have spent a lot of time researching on myfico and new to credit in the US. Under the misconception and being nieve to credit I had app'd for cards that were out of my league using fako scores ablivous to the true fico scores that lenders use. I realized that I had no scores at all. I had medical bills go to collection many years back and I had worked to have them remove with PFD's but this meant nothing if you didn't have credit. I had created a clean slate but had not generated any new credit.

After committing time to gaining knowledge here on myfico I was fortunate to be added as an AU on a family members Chase freedom card in July 2011. I pulled my credit in December 2011 on TU and had generated a 782 (of course these are just numbers when you have a thin file). I applied for and received a secure card then and had realized it was my only option.

On February 4, 2012 I had generated a score for EQ of 702 and decided to apply for the newcomer card with cap1 thinking I would still get the same responses "Denied" but was approved for a 1k tl.

My 2012 goals: Nurture the cards I have paying on time each month No app's for new credit till the end of the year (prime card) Car loan with co-signer mid year (July birthday gift)

Ultimate goal: A first home buyer in the beginning of 2013 and a 800 fico score.... If that is at all possible.
Good luck to everyone and their goals. I wish you all success and look forward to reading about your accomplishments. It really is possible!!!

Starting Score: 0 No score until August 2011
Current Score: 8/28/15 EQ Fico 707, 8/28/15 TU Fico 737, 9/1/15 EX fico 729
Goal Score: 800
My wallet: Cap one $4000 | Venture $8000 | Amex BCP $17,500 | Amex BSE $4000 | Discover it $10,800 | Lowe's $10000 DCU $2,000, CITI TYP $8,200. Macy's Amex store limit $1200, Macy's Amex $6000, DCU Visa $2000, CITI Simplicity $1800
Back in the garden!
Take the FICO Fitness Challenge

Message 273 of 1,051
Established Member

Re: Take the FICO Fitness Challenge for 2012!

My only negative is utilization.  I have taken advantage of some balance transfers on some current cards so I hope to reduce my utilization by 50%. 

Starting Score: Feb2015:EQ699/EX704/TU693
Current Score: Apr2015:EQ702/EX713/TU691
Goal Score: 750

Take the myFICO Fitness Challenge

Message 274 of 1,051
Moderator Emeritus

Re: Take the FICO Fitness Challenge for 2012!

itsy wrote:

Thank you!  Now, is there any way to keep my preferred font & color?

I have to redo it every time I post, I see...

I have an answer from an excellent techie here: "There isn't a way to set font preferences (size, color, etc) in profile at this time.  It has been put in the suggestion box".

Message 275 of 1,051
Established Contributor

Re: Take the FICO Fitness Challenge for 2012!

Well, I am a bit late in posting here this year.  I have been mostly in gardening mode since the last Fico fitness challenge.  2011 was a decent year for my Fico rebuilding.

My EQ score got to 777 at one point.  My Cap1 CO fell off on that report, leaving only one bad account reporting a max. of 90 days late.  That one is due to fall off in April according to my I got last year.  My TU report is finally clean.  My last TU98 score is in my siggy, but that was a  few months ago.  My EX is still reporting the Cap1 CO and the 90 day late account.  Don't have a clue what that score is.  My util. is slowly coming down, and should be below 30% when the last of my baddies fall off in April.  My car and student loans will be paid this year.  Kay jewelers closed my account as inactive, and that hurt me on my util.  I maxed out on my Lowe's CL at 10K, but it is paid in full.  I closed my Sam's Discover and transferred the balance and total CL over to my CU Visa with no transfer fees.  I paid off a personal loan with my CU.  I took out a new installment account with another CU for a ATV.  My rebuilding hit 6 years this month.  I'm a stone's throw away from my ultimate goal of 800.  I'm working on making the next Fico Fitness Challenge the best one yet.  Good luck to everyone, and don't give up.  Rebuilding is a slow process with very few immediate rewards.  They come slowly but surely, and getting to the finish line is the goal.  It's a marathon.  You have to pace yourself.  Good luck to all! 

Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(
Goal Score:760 X 3

Take the myFICO Fitness Challenge

Message 276 of 1,051
Frequent Contributor

Re: Take the FICO Fitness Challenge for 2012!

tubesock here! 


Nothing but Good news!

My TU score went up 10 pts as of today 2/20/12. I only need 1 point now to make it to my 2012 Fico Score goal, YAY!!!


On a side note: 

I also got a CLI increase on my HHonors AMEX from $1000 to $3000. Not much, but I didn't want to be greedy. I'll request another CLI in 6mos.

My CC util will be 26% down from 44% when I started this challenge once everything posts at the beginning of March. 


Smiley Very Happy Needless to say, I'm SUPER excited today!!!

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 277 of 1,051
Valued Contributor

Re: Take the FICO Fitness Challenge for 2012!

Hello everyone!


Current Situation:

$71K total non-mortgage debt on CR (reality? over $85K between us)

81% util

1 baddie left (30d in DEC08)

Student loans (add $33K to above number)

8 yrs AAoA

13 accts with balances

Refi house in 2010 (15yr @ 3.75%)


Had done our first major cleanup in 1998. (DH had his dad's mortgage on his report!)  Lots of bad stuff to fix from being young and irresponsible with our credit (as well as broke... LOL) Tune ups in 2007 and 2009.  Waited patiently for all the baddies to fall off, and I am down to one, husband down to 2.  Got the numbers up sufficiently to get a decent refi on the house in 2010.



remove myself as AU on husband's CC's (thanks to the boards- had not thought of doing that, but should help alot) (and vice versa for him too!)

aggressively attack the debt and be debt free in 2 years

monitor and control the spending

get FICO's up over 750

adjust wallet

get better APR's

reduce number of accounts with balances


I have already gotten some great advice from the boards, and look forward to the 2012 challenge!

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 278 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

Hi, I am trying to get a 700 score.


We had to do a short sale.

 1 secured visa with good pymt history.

1 car loan with good payment history.


EQ 578

EX 592

TU 598


Want to be able to get a car loan from a regular dealer.


Get a mortgage from a bank.

Message 279 of 1,051

Re: Take the FICO Fitness Challenge for 2012!

Just wanted to say, I have only been stalking this site for a few weeks now. I was at one of my clients today and we started talking credit. They all thought I was so smart. I finally came clean and told them I just learned all this stuff from myfico. I gave them the info to sign up. Love this site lol

Starting Score: 595 2/5/12
Current Score: 650 midscore lender pull 7/24/12
Goal Score: 640

Take the FICO Fitness Challenge
Message 280 of 1,051