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I've worked hard for this 814 FICO score

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Member

I've worked hard for this 814 FICO score

I just pulled my Experian.  800.  Experian says it's better than 99.83% of US consumers.

Equifax = 814

I'm scared to look at TransUnion.

 

Having worked so hard to attain these scores, I feel like I should open a credit counseling business.   LOL

 

The one thing that pisses me off, is that if you don't carry a balance on any credit cards, they penalize you 8 points.   That's just not right.

 

Oh, and I'm happy to report BofA is now reporting credit lines on Visa Siggys to all 3 bureaus.  Maybe they got alot of complaints Smiley Happy

TW=825, CB=819, TU=946
Message 1 of 12
11 REPLIES
Valued Contributor

Re: I've worked hard for this 814 FICO score

Congrats on that score!

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Message 2 of 12
Valued Contributor

Re: I've worked hard for this 814 FICO score

Congrats!!!

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


Take the myFICO Fitness Challenge
Message 3 of 12
Frequent Contributor

Re: I've worked hard for this 814 FICO score

Awesome.  Congratulations!


NFCU cashRewards Signature Visa | NFCU goRewards Signature Visa | NFCU CLOC | Lowes
Cap 1 Quicksilver (2) | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | DCU Platinum| Barclay Apple Rewards | Wells Fargo Store Card |


FICO 8 EQ 662 / TU 657 / EX 635 May 2017
EQ 673/TU 668/EX 651 June 2017


BK 7/2012 In the garden as of 7/7/17
Message 4 of 12
Valued Contributor

Re: I've worked hard for this 814 FICO score

Congrats on your hard work.  It is an outstanding achievement.   It has taken me 15 yrs to get my scores where they are. 

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 42k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 5 of 12
Senior Contributor

Re: I've worked hard for this 814 FICO score

So what ya gonna do now? Going to Disneyland? lol

Message 6 of 12
Established Contributor

Re: I've worked hard for this 814 FICO score

Great work, I've never seen a TU in that range(fako)  where did you obtain these scores?

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 7 of 12
Super Contributor

Re: I've worked hard for this 814 FICO score

Congrats. excellent Job



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 8 of 12
Valued Contributor

Re: I've worked hard for this 814 FICO score


blondy250 wrote:

Great work, I've never seen a TU in that range(fako)  where did you obtain these scores?


It's probably a VantageScore 2.0

Message 9 of 12
Valued Contributor

Re: I've worked hard for this 814 FICO score

Finally....I have them all above 800...woo hoo!!!!!




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 10 of 12