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800 Club!

Valued Contributor

800 Club!

Your Equifax FICO® score:804

On April 10, 2012

 

I've been hovering in the high 700's forever it seems.  Just got this from score watch today! Smiley Happy  It jumped from 795 to 804 after I let one credit card report a balance (other than my AMEX charge card, which doesn't account for utilization).  I'm also thinking I may have had a boost because my mortgage balance went under 50% of the original loan amount, which I've heard (although I don't know for sure) is something that FICO likes to see.  I'm hoping TU and EX will follow later this week when PSECU and Walmart report.

 

Here are the stats I have that may be of interest:

 

Oldest Account: 26.2 years

Average Age of Accounts: 11 years

Utilization 1%

1 CC account reporting <1%

No lates, collections. public records

 
EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
26 REPLIES
Senior Contributor

Re: 800 Club!

Wow.  Yay u!

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Regular Contributor

Re: 800 Club!

Congratulations! I hope to have a similar story one day!  P.S. Your stats were helpful. Thanks for sharing.



Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range



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Moderator Emeritus

Re: 800 Club!


android01 wrote:
Your Equifax FICO® score:804

On April 10, 2012

 

I've been hovering in the high 700's forever it seems.  Just got this from score watch today! Smiley Happy  It jumped from 795 to 804 after I let one credit card report a balance (other than my AMEX charge card, which doesn't account for utilization).  I'm also thinking I may have had a boost because my mortgage balance went under 50% of the original loan amount, which I've heard (although I don't know for sure) is something that FICO likes to see.  I'm hoping TU and EX will follow later this week when PSECU and Walmart report.

 

Here are the stats I have that may be of interest:

 

Oldest Account: 26.2 years

Average Age of Accounts: 11 years

Utilization 1%

1 CC account reporting <1%

No lates, collections. public records

 

Amazing and inspiring Smiley Happy    Thanks so much for sharing!  Congratulations on your success Smiley Happy 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor

Re: 800 Club!

CONGRATULATIONS!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Member

Re: 800 Club!

Congratulations as well!

 

I just received my Amex Gold and they've backdated  to 1983.  Puts my AAoA from about 7 years to over 11 and hopefully will boost my mid 700 scores a bit.

 

Hope to join you soon.


Starting Score: myFico TU 710, myFico EQ 745
Current Score: 02/16 myFico TU 839, myFico EX 836
Regular Contributor

Re: 800 Club!

Congrats! I can't wait to get to the 800 club! 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


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Moderator Emeritus

Re: 800 Club!

Congratulations!!!!! Feels great when you've made it over a desired threshhold, and this is quite a threshhold! What a great score!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Super Contributor

Re: 800 Club!

Awesome!

 

Always nice to see someone breaking 800.  It really is the line of demarcation from "excellent" to the "best" credit rating.

Valued Contributor

Re: 800 Club!

Thanks, guys! 

 

The interesting thing about the move upward seems to have something to do with my mortgage going under 50% of the original amount.  That's the only thing that really changed in my reports.  So, I did a little reading here and elsewhere, and I've discovered that the 50% mark on mortgages and installment loans seems to be a threshold for FICO scoring in some way.  I never knew this before.  This would explain a 10 point rise in my score that I can't explain any other way, but I'll take it! Smiley Very Happy

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836