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Take the myFICO Fitness Challenge for 2013!

New Visitor

Re: Take the myFICO Fitness Challenge for 2013!

starting score: 720

goal score: 800


I would like to save money ($5000-10000 by the end of the year) and increase my credit score. 

i will be cutting miscellaneous expenses and finding ostreak come sources (I.e. selling items and finding pt employment). 



<hr><img align="left" border="0" width="50" height="50" src=""><font size="2"><font size="1">Starting Score:</font> <b>800</b><br><font size="1">Current Score:</font> <b>800</b><br><font size="1">Goal Score:</font> <b>850</b></font><br><br><font size="1"><a href="" target="_blank">Take the myFICO Fitness Challenge</a></font></code>


Message 231 of 735
New Visitor

Re: Take the myFICO Fitness Challenge for 2013!

I am wanting to buy a new home! And I need to get all my ducks in a row. Need help!

Message 232 of 735
New Visitor

Re: Take the myFICO Fitness Challenge for 2013!

My credit is horrible! I want to raise my score just not too sure how?

Starting Score: 567
Current Score: 560
Goal Score: 750

Take the myFICO Fitness Challenge
Message 233 of 735
Established Member

Re: Take the myFICO Fitness Challenge for 2013!

Hi Everyone,

I am new here but have already learned a lot and got some good advice.


I was never taught about proper finance growing up and made some bad decisions in my college years.  I neglected a lot of my financial responsibilities for a long time but enough is enough.  I am ready to take controll of my credit and finances instead of letting them control me Smiley Happy


Starting at a myFico score of 609 - I hope I can get this into mid 700s and higher quickly.


I already applied 100% of my tax return to credit card debt.  My credit utilization between all accounts (5 Cards Total) is about 25% and my goal is to get this under 10% as quick as I can.


Tomorrow I am going to write some GW letters I learned about tonight here to try and get some old PIF accounts taken off to help boost my score and call an old credit union who did not report correctly.


The last obstacle I have is a false balance I fought with BOA with for months many years ago.  They wrote the account off in 2006/2007 but recently a CA has got ahold of it and is reporting it current and at DOUBLE the balance BOA closed.  This is the biggest struggle I will face as BOA is ignorant and stubborn on this account and it will be real challenging to get it removed. 

I look forward to more advice and interaction on here and only seeing my score go up from here.

Starting Score: 609 (Feb 1, 2013)
Current Score: 665 Current Debt: $2190 (23.43% Utilization)
Goal Score: 750

Updated: March 8, 2013
Message 234 of 735
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

Have been reading the site for a couple of years and have appreciated the expertise and advice of everyone.  I also really appreciate people's willingness to share their credit issues and the success (and occasional failures) as they try to resolve and improve their credit.


We are selling our home this month and will be in the market for a new home in a couple of months (our house sold way faster than we expected so looks like we're renters for a bit).


Attempted mortgage loan mod in 2010 turned into (almost) foreclosure fiasco.  With the foreclosure notation and 120 lates on our mortgage history we were locked out of a new mortgage until at least the end of this year (FHA Only).  We GW the bank (Chase) who has removed all lates (left 90 day late on though) and the foreclosure notation (we paid all back payments, fees etc and have been on-time for over 2 years).


Am working my scores into the low to mid 700's so we can qualify for the best mortgage with the minimal issues.

Starting Score: 606 EQ 2/11
Current Score: 738 EQ - 4/13, 702 TU - 3/13, 729 EX - 3/13 (Lender Pulled)
Goal Score: 700 Club

Take the myFICO Fitness Challenge
Message 235 of 735
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

Hello Everyone!..


Would be nice to finally be able to be pre-approve for a morgage loan..   I know fixing credit reqiures a lot of patience and money..  and I will try my best to do good.


So my goal is to raise my credit score and start saving...  and finally to buy my first home..

Starting Score: TU 627 EQ 619
Current Score: TU 647 EQ 629
Goal Score: 720

Take the myFICO Fitness Challenge
Message 236 of 735
Established Member

Re: Take the myFICO Fitness Challenge for 2013!

Hello there!


I've been reading the boards for a while now, and I even began the 2012 challenge, but unfortunately school and life got in the way so I wasn't able to nurture my credit as much as it deserved!  My goals for this year are to get my balances down to under $100 total (only at about $800 currently, but I'm a student so it's still kind of hard to pay off), get a jump start on paying back my student loans, and to garden until November (I applied and got approved for two cards today that more than doubled my total credit limit, but I don't want to push my luck)!

Starting Score: TU: 633 EQ: 583 EX: 600
Current Score: TU98: 649 TU04: 664 TU08: 695 EQ: 616 EX: 643
Goal Score: TU98: 650 TU04: 680 TU08: 700 EQ: 650 EX: 650

Take the FICO Fitness Challenge
Message 237 of 735
New Member

Re: Take the myFICO Fitness Challenge for 2013!

This all started with finding out my FICO score from free trial, but then spoke with the nicest lady on phone when cancelling and decided to continue subscription.


After divorce, I was left financially devastated. However, instead of dwelling on past, I am focusing on the present and my future goals.


My 2013 goals:

  • Raise credit score to 700
  • Pay off 1/3 of large debt 


Long-term goals (achieve by 2018):

  • Purchase my first home

Starting Score: 661
Current Score: 661
Goal Score: 700

Take the myFICO Fitness Challenge
Message 238 of 735
Regular Contributor

Re: Take the myFICO Fitness Challenge for 2013!

hi everyone my scores have grown since i started reading the useful info here my starting scores where ex fako 576 eq fico 590 tu fico 582 today there as follows ex 653 eq fico 668 tu fico 667 my goal score for 2013 is 700 across all 3 i just disputed 2 30 day lates with all 3 bureaus and eq has deleted im still waiting for tu and ex

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
Message 239 of 735
New Visitor

Re: Take the myFICO Fitness Challenge for 2013!

Greetings! A month late to the party, but that's OK.


Being self-employed, cash flow is erratic, so staying on time with all accounts, mortgages, cards, taxes, etc is one big goal for 2013. Successfully getting on the right student loan repayment plan is another. And, my line usage is high, though one card got paid in full in 2012. Woot! Must reduce rest below 50%, which will be a haul. Oh, and save for a two week trip to NZ in 2014. Planning to move there in 8-10 years, though I don't think they use credit scoring like the US.   0.o


Best of luck to all the participants!

Starting Score: 599
Current Score: 663
Goal Score: 740

Take the myFICO Fitness Challenge
Message 240 of 735