Understanding FICO® Scoring

[FrugalRican]

Love that your goal score is listed as Whatever.

[BigDaddy18]

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!

Big Daddy!

[LilyBee]

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.

[LilyBee]

Didn't mean to go crazy with the smiley faces, though.   Duh.

[BigDaddy18]

alergic to credit cards, hilarious!

I'm so useing that one!

[MustangSaluki]

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.

[Wcv]

Newest member of the high achiever club right here!

[marty56]

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.

[BigDaddy18]

Woohooo

I did it 802!!!!

[slarano]

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!