10-31-2012 03:38 PM - edited 10-31-2012 03:43 PM
Congrats! I recently entered the 800 club as well for the first time. I went from 785 to 809! I believe it was because of my lower credit utilization. I went from about 17% to about 8% along with aging credit and inquiries coming off my credit. It says If I reduce my CU to about 2-3% my score could go up to the 830's.
FYI I have 6 CC average age 8 years, oldest account 16 years old, no negatives, balance on just 2 cards, and newest card now 2 years old.
10-31-2012 03:40 PM - edited 10-31-2012 03:40 PM
your oldest account is older than me >_<
congrats on the 800, must look nice!
10-31-2012 03:46 PM
I started tracking my score about 3 years ago. At that time I had several negs on my account and decided I wanted to change my course. I have be bouncing around the 750's- 780's for the better part of this year. I knew it would happen sometime soon. Congrats on raising your score so much! You are where I was about a just over a year ago! Keep it up!
11-01-2012 06:12 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.