Credit Cards Center Credit cards from our partners
Established Member
Posts: 15
Registered: ‎09-07-2007

Knockin on 800!

When I first signed up with MyFico in September my fico score was 702.  After reading all the posts and help from Tuscany's posts I am now knocking on 800.  My score is 796!   How did I do it, my first mistake was to think that no debt is good, duh, wrong.  I had a zero balance and a score of 702.  So I charged a little bit and my score keep jumping, then I got some lates off my report and "Bam" more points.I guess you do need a little debt to have a high score.  I am really careful about having my report run for any kind of cc.  I am now looking into buying a used car.   800 would be nice, but at my score, I can enjoy the same privileges as a 800er. 
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007

Re: Knockin on 800!


Please share your success in the "Success Stories" thread!
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007

Re: Knockin on 800!

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.