03-29-2012 09:43 AM
Love that your goal score is listed as Whatever.
Follow my financial journey: http://www.frugalrican.com
03-29-2012 11:16 PM
OMG, LilyBee you have the epitome of a FICO score! Credit Score in fact!
I can't wait to have what you have!
That's so cool looking!
03-30-2012 06:39 AM
Frugal and Big D - Thanks for the comments. My 'downfall' was finding this website. I'm a competitive sort, so I'm competing with myself. My scores are posted on my wall, so I can see their movement as the years go by. Not only that, I'm allergic to credit cards and addicted to my debit card.
It's all a game. Works for me.
03-30-2012 06:40 AM
Didn't mean to go crazy with the smiley faces, though. Duh.
03-30-2012 10:19 PM
alergic to credit cards, hilarious!
I'm so useing that one!
05-03-2012 10:43 AM
I have been hovering around 800s recently. My AAoA is not as high as reported by others in this thread (Mine is 6.5 years). I have several cards from the time I was a student in early 2000s showing up as closed. There are no baddies except for EX taking matters in their own hand w.r.t to a card closed in 2005 (they list as paid charge off).
I definitely benefited from just managing my 2 CCs judiciously. Never reached limits, always payoff on a monthly basis etc for 4-5 years in a row. With just 2 revolving accounts and no other loans or baddies, I believe I might have reached the threshold or maximum (maybe within 10 points up or down). To go any further, they probably want to see Mortgage loans, and I have no plans for that at the moment.
05-19-2012 01:24 PM
06-02-2012 05:42 AM
I know we refer to FICO scoring as a game but I hope realize this is not a forum for a roleplaying game and you can't buy FICO points.
I'll sell you some of my EX points since we can;t see what the score is anyway.
06-22-2012 10:06 PM
I did it 802!!!!
07-15-2012 01:44 AM
Just hit 765 on my latest WalMart TU FICO! Not sure how long it'll stay that way (have a couple of new accounts hitting soon), but nonetheless, I've finally made it in!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO