Reply
Established Contributor
guydiver
Posts: 576
Registered: ‎08-30-2007
0

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!!!

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 748(Barclay), EX 738(CS) Goal Score: .....800 IS ON MY BUCKET LIST! New DCU Member! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 15K, Cabela's Siggy Visa 11.5K,Travelocity AEX 18.9K
Regular Contributor
BlueNightStar
Posts: 181
Registered: ‎07-09-2011
0

Re: 800 Club!

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

Frequent Contributor
snowangel
Posts: 291
Registered: ‎07-29-2011
0

Re: 800 Club!

Congrats :smileyhappy:



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
New Contributor
cleanitup
Posts: 65
Registered: ‎03-04-2009
0

Re: 800 Club!

Congrats, that is awesome.  


Starting Score: 581
Current Score: 751 EQ; 743 TU; Goal Score: 800
In the Garden since May 2012

Take the FICO Fitness Challenge
New Contributor
jdogi
Posts: 75
Registered: ‎02-21-2010
0

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?

Valued Contributor
android01
Posts: 1,226
Registered: ‎09-22-2009
0

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 - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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
Established Contributor
frogfan12
Posts: 872
Registered: ‎10-16-2010
0

Re: 800 Club!

Congrats! That's a major accomplishment.


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Regular Contributor
tmbr10
Posts: 106
Registered: ‎04-06-2012
0

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.

Valued Contributor
android01
Posts: 1,226
Registered: ‎09-22-2009
0

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 - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}