WooHOO! BT pays off! Hit the 800 club!

[LexieCat]

I was mulling, a couple weeks ago, whether to take advantage of a BT offer to pay off a couple of my accounts.  I knew it would be fine in the long run but I wasn't sure what the immediate effect on my score might be.

Today the third of my scores broke 800.

Just had to share.  

(BTW, originally posted in wrong forum, so apologies for the double post--guess I was too excited to pay attention, lol)

[coldnmn]

Congrats! The other post was removed.

[Anomalous]

Awesome! Congratulations!

[heyitsyeh]

Congrats! 

[Anonymous]

Congrats! That's great!

[LexieCat]

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@coldnmn wrote:

Congrats! The other post was removed.

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Thanks, was trying to see a way to do it.  Appreciate the help--and the congrats.

[VirtualCuriosity]

Well played.  Congrats!  Very nice

[tcbofade]

Yay u!  That's HUGE!

[LIGHTNIN]

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@LexieCat wrote:

I was mulling, a couple weeks ago, whether to take advantage of a BT offer to pay off a couple of my accounts.  I knew it would be fine in the long run but I wasn't sure what the immediate effect on my score might be.

Today the third of my scores broke 800.

Just had to share.  

(BTW, originally posted in wrong forum, so apologies for the double post--guess I was too excited to pay attention, lol)

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Woo Hoo!!   Time for the Happy Dance!!  Congrats to YOU!!

Don't worry about the double post, its OK. I would post on every board, if my CS reached the 800's.

Keep up the great work.

[LexieCat]

Thanks, guys.  I've only paid attention to credit scores for the past few years.  I remember that when I apped for the mortgage to buy my home, the lender told me he had never actually SEEN a score so high.  I don't recall whether he ever told me what it was.  

In the meantime, I accumulated some debt--a lot of it taking advantage of a low-interest BT offer good until paid off.  I pretty much maxed out that card (my 30k limit one) and threw the money into a money-market account that I used to pay my share of my kids' college tuition.  The interest rate was lower than anything I could have found anywhere else (4.99 percent).  And, of course, expenses related to my house (which sadly had a few "issues" shortly afer I moved in).  In any event, when I started tracking the scores a couple of years ago, they were mid-600s to low 700s.  

A couple of years ago I retired with a pension (YAY), and took a post-retirement job that paid almost what I was making previously (double YAY).  So I've been throwing 2-3k per month at the debt (although I also did some spending on some more home improvements in the meantime), and this is where it's gotten me.  My goal is to pay it all off by about this time next year.  At the rate I'm going, that should happen (barring something unforeseen, of course).

I'm very, very fortunate.