OMG! Is this real!? 800?

[peepers]

I logged onto my Discover account today and clicked the link to see my score, and got this:

    JENNIFER

, your FICO®Credit Score is 800

FICO® SCORE

800

As of 04/17/2014

Your FICO® Credit Score is affected by these key factors:

• 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH:

When you first get a non-mortgage installment loan (like a car loan or student loan) your balance is generally high. As you pay down your loan, the balance decreases.

• 2. TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT:

People who recently opened a new credit account are more likely to miss future payments and are riskier to lenders.

What your 800 FICO® Credit Score means to lenders.

I about fell off my chair....I cant even get my brain to process that this can be true.  After the horrific financial crash I took in 2006-2007, losing house to bank, every credit card I owned charged off and dealing with the repayment plans, collectors, high interest car loans, living years on cash with zero credit or cards.......  this is so huge for me.  Thanks for letting me share, and hope this gives hope to those still rebuilding that there IS a light at the end of the tunnel!

[Revelate]

Congratulations!

That's an impressive accomplishment regardless, but having gone through the financial crisis myself (though my markers came due later unfortunately) I'm incredibly impressed that you recovered so adroitly, and looking at your tradelines, you did it smartly as well.  Well done!

[Imhotrodcrazy]

Congrats, I kow how you feel.  Keep up the good work. 

[BigBS]

Huge congrats!  I'm hoping for my next statement to cut and see what my score is.

[EW800]

Congratulations!!  800 is EXCELLENT!!  It is SO wondeful that you have bounced back so well!  

My wife and I are slowing learning how great it feels to come back from the trenches.  We hit a very rough patch 2.5 years ago when I was forced to relocate to keep my job.  With the housing market so bad, coupled with an ugly mortgage company that refused all short sale offers, we lost our home to foreclosure.  Our scores obviously tanked through that time, however with a LOT of hard work and focus over the past 13 months (when the foreclosre was actually final), our scores have crept up quicker than I thought they would  We are sitting just shy of the 700 range, which I know is not great, however feel pretty good about it with the foreclusre being so recent.  Just by paying down all credit card balances and making sure everything is paid on time through these 13 months, we have seen some pretty decent jumps in our scores.  We have a way to go, however it is so nice to actually see light at the end of the tunnel!

[tld1104]

Congratulations!

[masscredit]

Congratulations! I'm also working on coming back from financial ruin. My business went south due to the economy combine that with a divorce, two forclosures, repo and bankruptcy. All around the same time. Went from being on top to flat out on the bottom now back to fairly normal. It's great to read posts like yours and see that some of the top scores are obtainable after all that we've been though. 

[gdale6]

Nice OP, congrats

[zeedakay]

That's very inspiring, congrats!