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850 EQUIFAX

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Anonymous
Not applicable

Re: 850 EQUIFAX


@Anonymous wrote:

you can try different scenarios.  Like what if I get instant store card,

mortgage,  car.  Best way to pay down, etc. 
I like that.  But it doesn't ever show 850.Smiley Surprised

 

 


Right.  But it will show 850 for some people.  The simulator is specific to what's currently on your CR.

If I look at my simulator over the past year, on various reports, it shows that I could get to 741, 758, 763, 768, 752.  So YMMV with different folks and even for the same person with different pulls.

 

I'm looking forward to the day when the simulator says I can get an 841!  Smiley Wink

Actually, I very rarely play with it anymore - it's a little vague.  It really helped me learn what to watch for though.

Message 11 of 17
Anonymous
Not applicable

Re: 850 EQUIFAX

If I pay over a period of 2 years it says 841.

 

If I pay in a month it says 821.

 

I have been carrying high balance for me because I paid to

fix niece's teeth.  I was surprised this did not hurt my scores

more.  At one point I was at 16% utilization.  now down to 4% and

I joined the 800 club.

Message 12 of 17
fused
Moderator Emeritus

Re: 850 EQUIFAX

 


@Anonymous wrote:

If I pay over a period of 2 years it says 841.

 

If I pay in a month it says 821.

 

I have been carrying high balance for me because I paid to

fix niece's teeth.  I was surprised this did not hurt my scores

more.  At one point I was at 16% utilization.  now down to 4% and

I joined the 800 club.


Very nice work, casinoannie! Now that you're in the 800 club, there is no turning back.Smiley Happy BTW, I'm like you, I want 850's across the board. I still need between 39 to 47 points for all three to hit 850.

 

Message 13 of 17
smallfry
Senior Contributor

Re: 850 EQUIFAX

 


@Anonymous wrote:

If I pay over a period of 2 years it says 841.

 

If I pay in a month it says 821.

 

I have been carrying high balance for me because I paid to

fix niece's teeth.  I was surprised this did not hurt my scores

more.  At one point I was at 16% utilization.  now down to 4% and

I joined the 800 club.


Forget the paydown nonsense. Basically just keep on for 2 years the way you've been going and your score will be somewhere in the middle of the range maybe nearer the top if the FICO gods allow. Just don't tank the AAofA.

 

Message 14 of 17
smallfry
Senior Contributor

Re: 850 EQUIFAX

 


@Anonymous wrote:

you can try different scenarios.  Like what if I get instant store card,

mortgage,  car.  Best way to pay down, etc. 
I like that.  But it doesn't ever show 850.Smiley Surprised

 

 


That's only for the next 24 months. I wouldn't put too much faith in the Simulator. My TU is already over the top of the range it showed me 2 months ago. EQ is 4 shy after 2 months.

 

Message 15 of 17
Anonymous
Not applicable

Re: 850 EQUIFAX

Small fry--what do you mean "over the top"?

Can you go higher than 850?

Message 16 of 17
smallfry
Senior Contributor

Re: 850 EQUIFAX

 


@Anonymous wrote:

Small fry--what do you mean "over the top"?

Can you go higher than 850?


I meant to say that my score is over the range the Simulator gave me a couple of months ago. You obviously can't go higher than 850.

 

Message 17 of 17
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