I broke over 800 by a lot.....

[Bay_Area_Joe]

I finally broke down and paid for updated MyFico Scores.  I was ready to submit application for new house and wanted to see how the INQ and eventually the loan would help/hurt my scores.

Well,  I was shocked, it has been about 9 months since I checked MyFico scores.  I have free fakos all the time.

But this is what I got.

Experian.

815, 1 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Equifax

825, 0 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Transunon

831, 0 Inq, 7% Utl, three accounts with balance. 5.4 years AAoA.

I have one auto loan and two credit cards that had a balances report.

21 open accounts.  $ 198,250.00 in availible credit on credit cards....

I am stunned.......

I never thought I ever see over 800.

Thank you MyFico...................

Joe

[PandiferBear]

---

@Bay_Area_Joe wrote:

I finally broke down and paid for updated MyFico Scores.  I was ready to submit application for new house and wanted to see how the INQ and eventually the loan would help/hurt my scores.

Well,  I was shocked, it has been about 9 months since I checked MyFico scores.  I have free fakos all the time.

But this is what I got.

Experian.

815, 1 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Equifax

825, 0 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Transunon

831, 0 Inq, 7% Utl, three accounts with balance. 5.4 years AAoA.

I have one auto loan and two credit cards that had a balances report.

21 open accounts.  $ 198,250.00 in availible credit on credit cards....

I am stunned.......

I never thought I ever see over 800.

Thank you MyFico...................

Joe

---

Woooo!!!  Amazing scores!  You have done an awesome job. 

[9CLINE]

Congrats,,, I bet you are all smiles....Thanks for sharing the info it gives me hope seeing that 800 can be reached w/o a mortgage and at 5 yr AAoA 

YESSSSS there is still hope for me.....

Thanks and Enjoy .....

[coldnmn]

Wow congrats! Thanks for sharing.

[Kenny]

WHy'd you not think you would hit 800. Your profile looks GREAT! And your scores reflect it! Job well done!

[BluePoodle]

Congratulations!!!!

[Bman70]

Congrats! Wow, so you have 18 open accounts not reporting balances, and 3 accounts reporting balances. What did you do just sock drawer all those cards?

[Fico2Go]

---

@Bay_Area_Joe wrote:

I finally broke down and paid for updated MyFico Scores.  I was ready to submit application for new house and wanted to see how the INQ and eventually the loan would help/hurt my scores.

Well,  I was shocked, it has been about 9 months since I checked MyFico scores.  I have free fakos all the time.

But this is what I got.

Experian.

815, 1 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Equifax

825, 0 Inq, 7% Utl, three accounts with balance. 5.3 years AAoA.

Transunon

831, 0 Inq, 7% Utl, three accounts with balance. 5.4 years AAoA.

I have one auto loan and two credit cards that had a balances report.

21 open accounts.  $ 198,250.00 in availible credit on credit cards....

I am stunned.......

I never thought I ever see over 800.

Thank you MyFico...................

Joe

---

You've inspired me now.  

What has been your highest credit used per account?  In dollar amount or percentage.  

 I notice you in signature your scores about a year ago were in the high 770s.  What do you think has been the single biggest factor in helping your scores to jump so much?  

[bettercreditguy1]

Congrats, keep up the great work.

[alvon123]

congrats!!!