Amex Delta 5.5k (AU) BBVA Compass $5k! SFCU $2k, SFCU LOC $2k, Paypal Smart Connect $2k, Discover iT 1.7k, Kay's $1.7k., Amazon $1.5k, Walmart $1.5k, Capital $1.5, Capital (AU) 1k. Macy's $1.2k, BestBuy RZ $700 SD, Victoria Secret $590 Capital $500, JC Penny $500 SD Credit 1 $450 SD Target $200, 76/Citi $200 SD,
LS2982 wrote:
android01 wrote:Holding steady at:
I really want that last five points!
Forget the 5 points your score currently is very impressive!!! CONGRATS!!
Thanks, LS and everyone else. At this point in life, I don't worry so much about credit lines, CLI's etc. It's ALL about the score with me. It stems from my obsession to get the highest possible score, which stems from my obsession to get a 4.0 in college years ago, which I did! To me, it's ALL about the score. I NEED that 5 points like others need new TL's or CLI's. I constantly tweak with letting balances report (or not) and I'll get that 850 some day. 
850 is possible with TU08, but not with any of the 04 models. From what I've read elsewhere, 818 (I'm currently at 817) is the max you can get from the EQ Beacon 5 score (Myfico), 842 is the max you can get with Experian's version II, and it's 830 something for the antique TU98 score (Myfico). So, my quest continues....
Starting Score: MyFico TU: 621 EQ: 610
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.
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