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Valued Contributor
bunnyrabbit
Posts: 1,413
Registered: ‎01-20-2008

I'm in ... I'm in ... I'm so happy!!

[ Edited ]

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.     :smileyvery-happy:    Hooray!

 

 

FICO® Score Summary

  Your Equifax FICO® score: 810

On September 27, 2010

 

Your Equifax FICO® score is great

Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.

 

 

What’s helping your FICO® score

  • 1. No missed payments 
  •       Number of your accounts with a missed payment   0 accounts

     

  • 2. Low credit usage            
  •      Ratio of your revolving balances to your credit limits   1%

          For FICO High Achievers [?], this ratio is 7%, on average

     

  • 3. Long account history
  •       Your oldest account was opened 10 Years, 11 Months ago

          Average age of your accounts 5 years

     

  • 4. Recent credit card use  
  •      You've shown recent use of credit cards.

     

      

    Inquiries            You have no inquiries affecting your FICO® score.

    Collections      You have no collections.

     

    Date                      FICO® score

    09/27/2010            810

    11/21/2007            752

    11/15/2007            748

     

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    It's very tough with small income ~ The Rewards are big little helper to me.
    Regular Contributor
    idmd
    Posts: 194
    Registered: ‎09-18-2009

    Re: I'm in ... I'm in ... I'm so happy!!

    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.
    Frequent Contributor
    future
    Posts: 285
    Registered: ‎06-05-2007

    Re: I'm in ... I'm in ... I'm so happy!!

    congrats!!!!!!!!

    Moderator Emeritus
    beamMEup
    Posts: 4,473
    Registered: ‎12-31-2008

    Re: I'm in ... I'm in ... I'm so happy!!

    Wow!  Super!!  Congrats on your fine work!!!  Woot-woot!!!!

    Followed by "I wanna be like you-ou!"

    Just puttin' syrup on something, don't make it pancakes.
    Moderator Emeritus
    psychic
    Posts: 1,518
    Registered: ‎04-20-2007

    Re: I'm in ... I'm in ... I'm so happy!!

    WOW!  That's terrific news!

     

    Congratulations, bunnyrabbit!

    EQ 814 / TU 815 / EX 842
    Valued Contributor
    bunnyrabbit
    Posts: 1,413
    Registered: ‎01-20-2008

    Re: I'm in ... I'm in ... I'm so happy!!

    [ Edited ]

    idmd wrote:
    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.   

    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    It's very tough with small income ~ The Rewards are big little helper to me.
    Senior Contributor
    score_building
    Posts: 3,468
    Registered: ‎01-10-2008

    eRe: I'm in ... I'm in ... I'm so happy!!

    [ Edited ]

    That's very impressive bunnyrabbit, kudos to you!!!  Hope to join you there one day soon!

    FICOS:
    06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (WALMART)
    Valued Contributor
    bunnyrabbit
    Posts: 1,413
    Registered: ‎01-20-2008

    Re: I'm in ... I'm in ... I'm so happy!!


    future wrote:

     

     

    congrats!!!!!!!!

     

     


     


    beamMEup wrote:

    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  :smileywink:

    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    It's very tough with small income ~ The Rewards are big little helper to me.
    Regular Contributor
    911gt34life
    Posts: 236
    Registered: ‎01-02-2010

    Re: I'm in ... I'm in ... I'm so happy!!

    Nice, some day i make it :smileyhappy:

    Valued Contributor
    bunnyrabbit
    Posts: 1,413
    Registered: ‎01-20-2008

    Re: I'm in ... I'm in ... I'm so happy!!


    psychic wrote:

    WOW!  That's terrific news!

     

    Congratulations, bunnyrabbit!


    Thanks psychic,  I'm in the same club as you in.

    Your score has been went up too.    Nice Work!   :smileywink:

    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    It's very tough with small income ~ The Rewards are big little helper to me.

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