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800 Club!

Established Contributor

Re: 800 Club!

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!!!


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


Take the myFICO Fitness Challenge

Message 11 of 27
Regular Contributor

Re: 800 Club!

Wow, that is fabulous. You have done a great job. I always appreciate your comments, too.

Message 12 of 27
Frequent Contributor

Re: 800 Club!

Congrats Smiley Happy



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Message 13 of 27
Regular Contributor

Re: 800 Club!

Congrats, that is awesome.  

July 2017
FICO08 EX 808, TU 779, EQ 780
Inquiries Ex 1, TU 2, EQ 1
Message 14 of 27
New Contributor

Re: 800 Club!

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?

Message 15 of 27
Valued Contributor

Re: 800 Club!


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.  

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 16 of 27
Senior Contributor

Re: 800 Club!

Congrats!!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 17 of 27
Established Contributor

Re: 800 Club!

Congrats! That's a major accomplishment.


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 18 of 27
Regular Contributor

Re: 800 Club!

@ the OP..... do you have a Discover Card? How do they treat memebrs of the 800 club?

 

Thanks. Fellow 800 club member.

Message 19 of 27
Valued Contributor

Re: 800 Club!


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? 

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 20 of 27