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Awesome. Congratulations. That is a true milestone. I know I will not be satisfied until I get to 800....and it will be this year. 800 or BUST!!!
Wow, that is fabulous. You have done a great job. I always appreciate your comments, too.
Congrats
Congrats, that is awesome.
Congrats! My score watch EQ hit 801 a couple weeks ago. I'm a bit surpised, with your stats, I would have expected a higher score. Must be a bucketing difference, or maybe my 800 was just a fluke. ;-) Mine has since dropped back to 794. My oldest is only 16 years old and average just over 5 years. I have two "new" accounts (less that 1 year) and two inquiries reporting. I've never had a mortgage. 14 total accounts reporting only one with a balance, util ~5%. One installment (car) @ 85% of loan amount.
I'm curious, do you know the total number of tradelines that are reporting?
@jdogi wrote:@Congrats! My score watch EQ hit 801 a couple weeks ago. I'm a bit surpised, with your stats, I would have expected a higher score. Must be a bucketing difference, or maybe my 800 was just a fluke. ;-) Mine has since dropped back to 794. My oldest is only 16 years old and average just over 5 years. I have two "new" accounts (less that 1 year) and two inquiries reporting. I've never had a mortgage. 14 total accounts reporting only one with a balance, util ~5%. One installment (car) @ 85% of loan amount.
I'm curious, do you know the total number of tradelines that are reporting?
Like you I have 14 open TL's and 10 which are closed. I don't have any open installment loans but three of the closed ones were from cars I've bought over the last ten years. I do have one inquiry and one new TL in January of 2012 (Walmart for the TU FICO). I've also noticed after experimenting that my "sweet" spot for utilization is 1% for the highest score. I've tried letting 2%, 5% 9% and 10% report, and all lowered my score. 0% utilization LOWERED my score. The AMEX card that I mentioned earlier is reporting a $370 balance which doesn't affect my EQ FICO score at all, and a $40 charge on a Visa that has a 15K limit. So there are two TL's reporting, three if you count my mortgage.
Congrats!!
Congrats! That's a major accomplishment.
@ the OP..... do you have a Discover Card? How do they treat memebrs of the 800 club?
Thanks. Fellow 800 club member.
@tmbr10 wrote:@ the OP..... do you have a Discover Card? How do they treat memebrs of the 800 club?
Thanks. Fellow 800 club member.
Yes, I have had Discover Card since 1986, right about the time Discover opened there doors. I have a $15,000 CL that has stayed the same since 1990. I've never asked for a CLI. I'm not sure what you mean by "how do they treat members of the 800 club". Can you be more specific?