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FICO scores 760 and above

Established Contributor

FICO scores 760 and above

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
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DFS: 2k
Message 1 of 24
23 REPLIES
Frequent Contributor

Re: FICO scores 760 and above

13 years of history.

6 years AAOA.

2 inquiries currently.

 


migliogiorni wrote:

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.




bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Message 2 of 24
Highlighted
Moderator Emeritus

Re: FICO scores 760 and above

IIRC....

 

EQ FICO 777. No inquiries. 10 to 13 yrs in history (leaning towards 13). AAoA of 4 years. 6.5 yr old redeemed repo reporting with 2 30-day and 2 60-day lates. However, that had a dispute comment from all the GWing so it shouldn't have counted. No new credit in over a year at that point. Util at 1%.

Message 3 of 24
Blogger

Re: FICO scores 760 and above

Message 4 of 24
Frequent Contributor

Re: FICO scores 760 and above

Mine went below 760 after apping and getting 12 cards in 14 months (in two spurts) and refii-ing the home and car.

It went from 730s to 800 in 15 months after that.dip. It climbed pretty quickly back over 760-780 as the first wave of CC apps aged a year.

 

AAoA ~ 3.5

History:  20 yrs

Never ever late

Car loan currently owe under 50% (1.74%)

Mortgage refied, so no 2nd now, HARP 3.375%, 15 yr

8-12 CC accounts with balances, paid off each month

Available credit almost 2x income <--- that part makes me smh - but it is what it is. Cash Back is nice.

 

 

 

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Message 5 of 24
Moderator Emeritus

Re: FICO scores 760 and above


migliogiorni wrote:

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.


As you can see the numbers are varied but here are some common numbers of FICO High Achievers. I got this information from my credit pull of 10/21.

 

* About 96% of FICO High Achievers have not missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. I have none.

 

* Utilization on average is less than 6%. Mine is consistently 1%.

 

* On average FICO High Achievers opened their oldest account 25 years ago. 26 years for me.

 

* Most FICO High Achievers have an AAoA of 11 years or more. Mine is nine years.

 

* FICO High Achievers have an average of 3 credit accounts carrying a balance. I usually have only three.

Message 6 of 24
Super Contributor

Re: FICO scores 760 and above

For me i think the two most important things for an nice credt score is an pretty high AAOA around the 5+ years range, and having clean payment history with no baddies reporting at all. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 7 of 24
Contributor

Re: FICO scores 760 and above

6 months after I got my first card.

MyFico Current Scores: EX 778 EQ 755 TU 789 at age 20.
Amex BCE $4800 | Discover IT $ 2,100 | 1st Financial Bank CC $3900 | Sunoco Gas Rewards $300 | Chase Freedom $2400 | Penfed Promise $2500 | Penfed Platinum Signature Visa $5000 | NavyFCU Flagship Rewards $8000
Message 8 of 24
Senior Contributor

Re: FICO scores 760 and above

In real sense I am at 760+ stage only with TU and for me AAoA is about 1 year 2 months and my oldest account is about 2 year 9 months. I have always PIF. My utilizations have usually been below 5%. Also, never missed a payment.

EQ Beacon 9.0 Bankcard Enhanced - 768 (12/29/15); EX FICO 08 - 764 (01/09/16); EX FICO Bankcard Score 8 - 779 (01/09/16); TU FICO 08 Classic - 759 (01/28/16). Total CL - $245,300 (Individual - $141,250 + AU - $104,050)

IU:
AU:
Message 9 of 24
Regular Contributor

Re: FICO scores 760 and above

Like another poster said, things very depending on the overall credit profile. I am just recovering from an app spree of 5 new CCs, 1 car re-fi and 1 new car loan, but I expect to recover fully within the next few months, and then some. So, I will put what I was back when I had 760+ scores and what I am now as I recover.

 

Because I like the format, I will use steal it... Smiley Wink

 

* About 96% of FICO High Achievers have not missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. I have none, never have

 

* Utilization on average is less than 6%. Mine is just above 50% now (was above 80%, mostly due to a HELOC that my x-wife is paying for)

 

* On average FICO High Achievers opened their oldest account 25 years ago. 17 years ago for me

 

* Most FICO High Achievers have an AAoA of 11 years or more. Mine is 6 years (was 9 years)

 

* FICO High Achievers have an average of 3 credit accounts carrying a balance. I have 8 now (had only 3 before)

 

My credit history is very thick on installment loans, with a mortgage, past car loans and vacation property loans. I expect as I get my util down below 30% over the next 6 months, my score will raise into the 800s.

Gardening Since: 21 Jan 2017
USAA FAKO "Plus" \ FICO Score 8 (1 Apr)
Eq: 729 \ 808
Tu: 710 \ 790
Ex: 770 \ 809
FICO NextGen V2: 781 (Dec 1st 2016 - from PenFed)
Message 10 of 24