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Valued Member
softballgirl29
Posts: 44
Registered: ‎08-26-2012
0

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: 12,952
Registered: ‎04-15-2011
0

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+

Take the myFICO Fitness Challenge

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: 429
Registered: ‎05-23-2013
0

Re: Has anyone ever hit 850?

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

 

2 months away.... :smileyhappy:

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
New Visitor
BettyRHU
Posts: 2
Registered: ‎07-21-2014
0

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: 37
Registered: ‎12-19-2008
0

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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Super Contributor
mongstradamus
Posts: 7,463
Registered: ‎06-19-2013
0

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 782 9/25/14 Fako 801 CS/Credit.com 11/24/14
EQ SW 823 quizzle fako 796 7/19/14
TU Fico 808 Fako 796 Creditkarma 12/24/2014
Valued Member
Dallasgirl
Posts: 37
Registered: ‎12-19-2008
0

Re: Has anyone ever hit 850?

That's even better!

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Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Has anyone ever hit 850?

[ Edited ]

Dallasgirl wrote:

http://articles.moneycentral.msn.com/Banking/YourCreditRating/PerfectCreditYouDontNeedIt.aspx

 

I've often wondered if there was anyone out there who has ever attained the so-called "perfect score" of 850.  According to this article, 825 seems to be about as high as anyone could ever attain. 

 

I've been scouring these forums during the past week and everything I've read indicates that once you reach the higher score buckets (new lingo I picked up!), it really doesn't make a difference as far as getting lower interest rates with lenders.  I tend to be a little on the obsessive side, so I guess reaching the "holy grail" of credit scores will be forever elusive! :smileytongue:


The highest score i have ever seen is an 845 EQ Fico score when my cousin was approved for the Discover It card when she got her card it had her score with it.

 

My highest has been 817 on EQ & TU

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Contributor
jello77
Posts: 83
Registered: ‎08-02-2010
0

Re: Has anyone ever hit 850?

 

At least two posters on this board have reported receiving 850 scores from ALL THREE credit agencies, which is an amazing achievement.

 

 

In June 2014, a former moderator of this board named fused received 850 scores from all three credit agencies, as described in this post:  http://bit.ly/1nJhVbd

 

 

In May 2014, a poster named android01 reported obtaining 850 scores from all three credit agencies, as described in this post:   http://bit.ly/1pAon2H

EQ-04 FICO__804__(from DCU)__inquiries = 0
EQ-08 FICO__826__(from MyFICO)__inquiries = 0
EX-98 FICO__837__(from PSECU)__inquiries = 0
EX-08 FICO__813__(from MyFICO)__inquiries = 0
TU-08 FICO__820__(from MyFICO)__inquiries = 0
Oldest account 36 yrs / Newest account 2 years / Average age 12 yrs / Total accounts 10 / Accounts reporting balance = 2 / Util = 3%
Valued Contributor
my-own-fico
Posts: 1,305
Registered: ‎01-05-2010
0

Re: Has anyone ever hit 850?

Feel free to add DW. I’m not quite there yet; perhaps it’s due to my EX AAoA being just six years when stripped of AU accounts.

fico-08-dw-me.png

 

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