09-30-2010 03:02 AM - edited 09-30-2010 03:05 AM
I would like to share this happy moment.
Guess what? I just joined a dream club ... it's a 800 club! Now, I need to do whatever it takes to stay in this club.
I just signed up for 7 days Free trial on myFico Score Watch and I got a WOW !! number. Hooray!
FICO® Score Summary
What’s helping your FICO® score
Number of your accounts with a missed payment 0 accounts
Ratio of your revolving balances to your credit limits 1%
For FICO High Achievers [?], this ratio is 7%, on average
Your oldest account was opened 10 Years, 11 Months ago
Average age of your accounts 5 years
You've shown recent use of credit cards.
Inquiries You have no inquiries affecting your FICO® score.
09-30-2010 03:17 AM
09-30-2010 11:35 AM - edited 09-30-2010 11:35 AM
Congrats! I'd like to offer a slightly different take on maintaining your 800+ status. Your credit score is a tool like anything else and the purpose of maintaining it is to benefit you. Since it's not a static number there maybe times in your life when you (need or want) to do something that may decrease your credit score. Just remember that's ok! Also remember there's no difference to a creditor if you have an 810 or a 790. Lastly, your score (assuming it doesn't go really low) only really matters if you're looking for new credit. I guess what I'm saying is congratulations but don't let the desire to stay 800+ paralyze you in your financial decisions.
Thanks idmd. Yes, I will need an auto loan one day to replace my 12 yrs old car, and it will brings my score down is sure.
Other than that, I will keep my routine.
09-30-2010 11:40 AM - edited 09-30-2010 11:40 AM
That's very impressive bunnyrabbit, kudos to you!!! Hope to join you there one day soon!
09-30-2010 11:40 AM
Wow! Super!! Congrats on your fine work!!! Woot-woot!!!!
Followed by "I wanna be like you-ou!"
Thanks future. Thanks beam. Come join with us
09-30-2010 11:43 AM
WOW! That's terrific news!
Thanks psychic, I'm in the same club as you in.
Your score has been went up too. Nice Work!
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