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Valued Member
softballgirl29
Posts: 44
Registered: ‎08-26-2012

Re: Has anyone ever hit 850?

A 986????? Really?

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 631 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $800, NFCU CL $6000, HH Gregg CL $1500, Care Credit CL $800 Express CL $450, Victoria Secret CL $450, Kohl's CL $300. Cap One Auto Loan $25k
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: Has anyone ever hit 850?

It's a FAKO, no correlation to a FICO score.  But given that high on their scoring standards would reflect a positive CR.   :smileyhappy:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
Kratos-TM
Posts: 426
Registered: ‎05-23-2013

Re: Has anyone ever hit 850?

Crossing the "8" mark is good enough for me... :smileyhappy:

 

2 months away.... :smileyhappy:

Myfico scores.....
EX08... 800 (11-10-13)
EQ04... 790 (12-02-13)
TU08... 810 (12-02-13)
New Visitor
BettyRHU
Posts: 2
Registered: ‎07-21-2014

Re: Has anyone ever hit 850?

Yes!  Just enrolled in the FICO score from Barclaycard, and I'm an 850!!!  I've been over 800 for at least a year on Experian, but consolidating even the smallest credit card balances onto an equity line of credit, paying off the new balances every month, never missing a payment, having a Mortgage, car loan, and equity line seems to be working.  Hubby is 830 now, and the only reason we don't match must be my 30+ year old Macy's account that I opened before marriage.  It took a while, I'm 57, but FINALLY reached 850!!!  Don't give up......

Valued Member
Dallasgirl
Posts: 34
Registered: ‎12-19-2008

Re: Has anyone ever hit 850?

[ Edited ]

Wow!  That's awesome!

 

I recently converted my Discover Card over to a Discover It account so that I could view my Equifax (?) FICO score and keep a small balance under $100 on it.  The score flucuates every month but the highest I've seen it is 817.  I try to keep a few accounts with small balances thinking the activity that might help boost it up rather than have everything paid off.  Maybe what I need to do is pay off the new balance each month?  My credit was established in 1979, both cars are paid off, always current on mortgage, never pay late on cards, rarely apply for credit... not sure what the trick is but I look forward to opening the Discover statement each month. :smileyhappy:

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Senior Contributor
mongstradamus
Posts: 3,488
Registered: ‎06-19-2013

Re: Has anyone ever hit 850?


Dallasgirl wrote:

Wow!  That's awesome!

 

I recently converted my Discover Card over to a Discover It account so that I could view my Equifax (?) FICO score and keep a small balance under $100 on it.  The score flucuates every month but the highest I've seen it is 817.  I try to keep a few accounts with small balances thinking the activity that might help boost it up rather than have everything paid off.  Maybe what I need to do is pay off the new balance each month?  My credit was established in 1979, both cars are paid off, always current on mortgage, never pay late on cards, rarely apply for credit... not sure what the trick is but I look forward to opening the Discover statement each month. :smileyhappy:


Just to be clear the fico score you get from discover is TU not EQ. They pull EQ when you app but when they give out free fico score its TU, which they also use for CLI. 



EX Fico 770 5/12/2014 Fako 806 CS/Credit.com 7/23/14
EQ SW 807 quizzle fako 796 7/19/14
TU Fico 794 7/7/2014 Fako 751 Creditkarma 7/12/2014
Valued Member
Dallasgirl
Posts: 34
Registered: ‎12-19-2008

Re: Has anyone ever hit 850?

That's even better!

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