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Frequent Contributor
Kratos-TM
Posts: 429
Registered: ‎05-23-2013
0

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)
Frequent Contributor
Roarmeister
Posts: 328
Registered: ‎04-21-2012
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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.

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
____$25k_______$20k_______$20k_______$25k_______$25k____
Starting Score: 676 Feb 2008; Current Score: 788 EQ, 814 TU, September 2014; Goal Score: 800 by end of year Oldest Account reported by EQ: 12 years; EQ AAoA: 5.5 years; EQ Credit Utilization: 3.4%
Contributor
LilyBee
Posts: 90
Registered: ‎01-23-2009
0

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)  :smileymad:

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever
Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

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

[ Edited ]

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

Valued Contributor
Gunnar419
Posts: 1,158
Registered: ‎01-23-2013
0

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.

 

Valued Contributor
lg8302ch
Posts: 2,680
Registered: ‎11-13-2012
0

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

[ Edited ]
Me too...but did not read the 45 pages yet...will save it for later :smileyhappy:
..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..
FICO® EQ 784 (as of today) - TU 771 (07/25) * Fako EX 789 (09/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

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

Contributor
LilyBee
Posts: 90
Registered: ‎01-23-2009
0

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%.

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever
Regular Contributor
gh17
Posts: 306
Registered: ‎06-12-2011
0

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 9000 (2009) | Citi Forward 7100 (2011) | Cap1 Quicksilver 17,500 (2013) | Discover It 4750 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 10,000 (2014)

FICO (Barclays): 767
Goal: 800+
Gardening since 4/25/14
Contributor
LilyBee
Posts: 90
Registered: ‎01-23-2009
0

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 :smileylol:

 
--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever

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