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Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Frequent Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Took me 3 hours to read these 45 pages, but it was well worth it. Thanks for this awesome thread.

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 451 of 474
Frequent Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Hey, I just realized that I am back "in the club" as of last week.  Hi y'all.


Starting Score: 732 October 2007; Current Score: EQ 836; TU 806, November 2017; Oldest Reporting EQ Account: 15.8 years; EQ AAoA: 8.0 years; Typical credit utilization 1.8% typical single card utilization 10.6%
Message 452 of 474
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Howdy Kratos and Roar:

 

Good jobs.  Keep up the monitoring of your spending habits; it'll pay off with somewhat lower interest rates.

 

I'm back to thinking of refinancing but hate watching my FICO scores go down.

 

Latest, per LO:  EQ = 801; EX = 803; and TU = 782 (lowest, as usual)  Smiley Mad

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Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842
Message 453 of 474
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

TU 821

EQ 809

EX 788

 

Past Due Accounts - 0

History - 25.7 Years

Average Age of Accounts - 6.5 Years

Negative Accounts - 1 30 day late - EX 6.4 years old

Revolving Account Balances - $102 (<1%)

Mortgages - 1

Installment Loans - $26,942

 

Accounts - 29

Accounts with Balances - 2 (1 is amex charge)

Accounts new in the past year - 3

Recent Inquries in last year - 6 - EX; 0 - EQ; 2 - TU

Collections - 0

Public Records - 0

Message 454 of 474
Valued Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Whoohoo! I'm back in the club. Just got a ScoreWatch alert saying my EQ FICO went from 756 to 777 (lucky number!).

 

I was briefly in this territory early this year, then I got some new cards and ran my util to 30%, which put me back down in 720-730 range. In the last month I've knocked the util way down. The 756 was with 16.4% util and two cards reporting balances. Now the 777 is the result of 10.3% overall util and only one card reporting a balance.

 

By this time next month, my util will be similar to what it is now, but I may have two cards reporting, so it'll be intresting to see how many points I lose just for the small balance on that second card.

 

Nice to get to be a high achiever again.

 

Message 455 of 474
Senior Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Me too...but did not read the 45 pages yet...will save it for later Smiley Happy
..with boring profile..only the 8 revolving accounts ..5 of them still less than a year...some will soon hit the 1 year mark so I am excited to see what will happen..
Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Message 456 of 474
Highlighted
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Your FICO® score has gone up to 809 on December 22, 2013.

 

Now I have two Agencies reporting above 800... EQ today at 809, and TU (walmart) at 821... Low score is EX at 788

Message 457 of 474
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Hmmmm, haven't been on here for awhile.  Hate it when my scores go below 800, but that's what happens now and again.  

 

Charged on one card last month, but will pay that off today.  Will check back in another month to see what that does to my scores.  Overall util is 6%.

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Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842
Message 458 of 474
Frequent Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Have not read the thread, but it looks like I have a significantly shorter history than the average FICO high achiever?

 

Oldest student loan is 5 years, and oldest credit card is a little less than 5 years.  Average age was around 3 years on the last credit report I pulled in March, will be going down when my new accounts report (but I guess my score might be too).

BofA Cash Rewards 25,000 (2009) | Citi Forward 25,000 (2011) | Cap1 Quicksilver 22,500 (2013) | Discover It 17,600 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 25,000 (2014)

FICO: 810 Discover/Barclays/BofA TU, 826 Citi Equifax
Message 459 of 474
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Just checked my scores because of the latest 20% discount on MY FICO:  Good deal.  Might hit 850 across by the end of the year; but these are good enough.

 

Cheers Smiley LOL

 
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Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842
Message 460 of 474