10-09-2013 03:38 AM
10-09-2013 05:51 AM
Next Goal Score:782
Increase goals to 850, with each goal apply for a CB card & continue applying for CLIs every 6 mos.
Study forums & ask the community for advice on when to apply, etc.
Bear in mind that 850 is a theoretical maximum. In practice with FICO 04 scoring, nobody ever has (or ever will) achieve it. The practical maximum (again, FICO 04 scoring) is 818 for EQ, and I believe somewhere in the mid 830's for EX and TU.
AFAIK the highest FICO 04 scores ever recorded were 834.
The top score for TU04 is 839, and the highest for EX04 is 844.
10-09-2013 05:57 AM
10-09-2013 05:58 AM
10-09-2013 06:31 AM
10-09-2013 07:24 AM
10-09-2013 07:33 AM
Is it true that once one reaches 780 that's high enough? The excellent needle is actually pointing at 800.
You'll get many differing responses to that question, but IMO, the tier cutoff for prime credit offers tends to be around 720 to 740. Anything above that buys you pride rights more than it will better terms on extensions of credit.