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Established Contributor
Posts: 861
Registered: ‎09-12-2011
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Re: 850 x 3


doinit1 wrote:

Absolutely outstanding! Congrats. Keep up the good work...Smiley Happy


Thank you so much, doinit1!  Right back at ya.  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011
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Re: 850 x 3


LOTR wrote:

That is so cool and so awesome!  We definitely share in the celebration.  We understand. Smiley Wink

 

Mind telling us a short history of your journey?


Thank you so much, LOTR!  Smiley Happy

 

Well, my journey started about 30 years ago with a Visa card from a local CU.  I ended up closing it a few years later when I moved, as it was inconvenient to go to that particular credit union.  I got in with AMEX a couple years later, and my Amex cards are now my oldest accounts (28 years).  My AAoA is 12 years.  I have 1 INQ each on EX and TU, and 2 INQs on EQ.  My newest account just reached a year old on February 1st, and that's when I hit 850 across all three bureaus.  I have a total of 35 accounts reporting on EQ/EX, and 28 reporting on TU.  Some closed accounts have fallen off TU, but they remain on the other two.  I have a 23-year old mortgage reporting, and I have a car loan reporting with a balance less than $5,000 on an original loan amount of around $36,000.  I also have a paid in full car loan reporting.

 

At any given time, I have between 3 and 4 credit cards reporting a balance, but I do pay them in full to avoid the interest.  I used to be quite anal about making sure only one card reports a balance, but now I let 3 or 4 report.

 

I had a 30-day late reporting from Feb 2010 on EQ/EX, but it finally fell off this past November.  It fell off TU a lot earlier - I believe it was sometime in 2015.

 

If there is any other information you'd like to know, please feel free to ask.  I'll try to respond quicker this time.  Smiley Happy

 

 

 

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011

Re: 850 x 3


Revelate wrote:

Duchess!

 

Congratulations my forum friend!  A well deserved accomplishment!

 

Would love to hear the current stats of your file if you don't mind sharing, always interesting to get new datapoints on 850's.


Hi there, Rev!!  So nice to see you!  And thank you so much.  You're starting to enter gold-plated territory yourself - keep up the amazing work!  Smiley Happy

 

I don't mind sharing at all - here goes:

 

Oldest account age is 28 years.  Average age of accounts is 12 years.  35 accounts are reporting on EQ/EX, and 28 reporting on TU.  Currently have 3 credit card accounts reporting a balance (less than 10% each, overall is 1%).  Have a 23-year old mortgage reporting, as well as a 4 1/2 year old car loan reporting with a balance less than $5,000 on an original loan amount of around $36,000.  Also have a paid in full car loan reporting.  I have 1 INQ each on EX/TU, and 2 INQs on EQ.  My newest credit card account reached 1-year old on February 1st, and that's when my EQ score watch alerted me that my EQ reached 850.  I pulled the other 2 reports and they both had 850 as well.  Prior to that, my EQ was sitting at 841, my EX was at 842 and my TU was at 838.  My TU has reached 850 in the past, as it was 850 in February 2016 (prior to the new credit account reporting).

 

I had a 30-day late reporting since Feb 2010, but it finally fell off EQ/EX this past November.  It fell off TU sooner - either in late 2015 or maybe early 2016 (I'd have to research to see when it actually happened).

 

Feel free to ask any questions, I will try to respond quicker this time.  Smiley Happy 

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011

Re: 850 x 3


FICOdeMio wrote:

Way to go CribCuchess! ;-)

 

Nothing but *kudos* to you!


Thank you so much, FICOdeMio!!  Awesome scores you have as well.  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011
0

Re: 850 x 3


donny10 wrote:

That truly is spectacular!


Thank you so very much, donny10!  I am strutting around like a peacock!  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011
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Re: 850 x 3


909 wrote:

Well done!!!


Thank you so much, 909!!  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 861
Registered: ‎09-12-2011
0

Re: 850 x 3


AzaleaB wrote:
Another 850 threesome, congrats to you also!

Thank you so much, AzaleaB!!  I see you have made some fantastic progess in the past 5 1/2 years as well, going from a 570 score to 800 scores across the board.  Excellent work!  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 850 2/1/17 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $37.2K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 886
Registered: ‎01-01-2014
0

Re: 850 x 3

Congratulations on your achievement CribDuchess!

 

You should add your data to the thread "850 score and Age of Youngest > 1.0"

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/850-score-and-Age-of-Youngest-gt-1-0/td-p...

 

Established Contributor
Posts: 580
Registered: ‎03-01-2015
0

Re: 850 x 3

Outstanding job. And reading your journey shows that anyone can do it and you don't have to have been perfect your whole life. But the biggest factor seems to be time. 

Starting Score: 692
Current Score: 824
Goal Score: 850


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Moderator
Posts: 16,972
Registered: ‎12-30-2011
0

Re: 850 x 3


CribDuchess wrote:

Revelate wrote:

Duchess!

 

Congratulations my forum friend!  A well deserved accomplishment!

 

Would love to hear the current stats of your file if you don't mind sharing, always interesting to get new datapoints on 850's.


Hi there, Rev!!  So nice to see you!  And thank you so much.  You're starting to enter gold-plated territory yourself - keep up the amazing work!  Smiley Happy

 

I don't mind sharing at all - here goes:

 

Oldest account age is 28 years.  Average age of accounts is 12 years.  35 accounts are reporting on EQ/EX, and 28 reporting on TU.  Currently have 3 credit card accounts reporting a balance (less than 10% each, overall is 1%).  Have a 23-year old mortgage reporting, as well as a 4 1/2 year old car loan reporting with a balance less than $5,000 on an original loan amount of around $36,000.  Also have a paid in full car loan reporting.  I have 1 INQ each on EX/TU, and 2 INQs on EQ.  My newest credit card account reached 1-year old on February 1st, and that's when my EQ score watch alerted me that my EQ reached 850.  I pulled the other 2 reports and they both had 850 as well.  Prior to that, my EQ was sitting at 841, my EX was at 842 and my TU was at 838.  My TU has reached 850 in the past, as it was 850 in February 2016 (prior to the new credit account reporting).

 

I had a 30-day late reporting since Feb 2010, but it finally fell off EQ/EX this past November.  It fell off TU sooner - either in late 2015 or maybe early 2016 (I'd have to research to see when it actually happened).

 

Feel free to ask any questions, I will try to respond quicker this time.  Smiley Happy 


Most excellent!  I assume your revolving utilization is prettied up?

 

A question though, what were your scores before the 30 day late fell off?

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 693, TU 4 742, EX 2 702, EQ 8 722, TU 8 757, EX 8 737 (5/13/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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