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Regular Contributor
Posts: 224
Registered: ‎02-22-2012
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829 FICO

My father-in-law said they pulled his FICO the other day and it was 829. I was floored by this. I thought it was almost impossible to break 800. He said he never carries a balance on any card and has never had a late payment on anything in his life. He also pays off all loans way ahead of schedule.

Current Score: FICO EQ655-TU652-EX673
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2100, BoA $3000, Chase Freedom $1500, Wal-Mart Discover $2500, Amazon $3100, Lowes $2000, Kay's $7600
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Posts: 13,249
Registered: ‎04-15-2011
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Re: 829 FICO


KeithW wrote:

My father-in-law said they pulled his FICO the other day and it was 829. I was floored by this. I thought it was almost impossible to break 800. He said he never carries a balance on any card and has never had a late payment on anything in his life. He also pays off all loans way ahead of schedule.


And that my friends, is how you break 800.  :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!
Regular Contributor
Posts: 591
Registered: ‎11-08-2012
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Re: 829 FICO

I just had my last baddie fall off a day ago and my score is now 810 and 804 on 2 of them. So, breaking 800 can definitely be done. :smileywink:

TU: 804 EQ: 810 EX 785


***$7500*** **$10,000*** **$9000**** ***$10250*** **$10,000*** ***$4500*** ***$6000*** ***$8000*** ***open*******open***



Moderator
Posts: 13,249
Registered: ‎04-15-2011
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Re: 829 FICO


audia4 wrote:

I just had my last baddie fall off a day ago and my score is now 810 and 804 on 2 of them. So, breaking 800 can definitely be done. :smileywink:


Very nice...  :smileyhappy:   Congrats!



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
Posts: 431
Registered: ‎05-23-2013
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Re: 829 FICO

2 months away and I'll be there!....:smileyhappy:

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Regular Contributor
Posts: 224
Registered: ‎02-22-2012
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Re: 829 FICO

My baddies are all 3 or more years old, but they still seem to be holding me down. That and my utilization being 45%.

Current Score: FICO EQ655-TU652-EX673
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2100, BoA $3000, Chase Freedom $1500, Wal-Mart Discover $2500, Amazon $3100, Lowes $2000, Kay's $7600
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
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Re: 829 FICO

It takes years but yes it can be done

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Frequent Contributor
Posts: 465
Registered: ‎01-03-2013
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Re: 829 FICO

Lmao

MyFico 4/18/14
Experian-820, Equifax-834, Transunion (Discover)--850-- 7/6/14
Aaoa-9yrs, Oldest-14yrs
1 inquiry equifax 04 Chase mortgage
"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score".
Valued Member
Posts: 44
Registered: ‎06-20-2013
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Re: 829 FICO

805 right here

Regular Contributor
Posts: 224
Registered: ‎02-22-2012
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Re: 829 FICO

It gripes me how when they list things that could improve my score one of them is my length of credit history. Then they say that the average person with a really high score has a credit history that is longer than I have been an adult. So in other words it sounds like I am getting knocked down simply because I am in my 30s.

Current Score: FICO EQ655-TU652-EX673
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2100, BoA $3000, Chase Freedom $1500, Wal-Mart Discover $2500, Amazon $3100, Lowes $2000, Kay's $7600
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