Understanding FICO® Scoring

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Frequent Contributor
CribDuchess
Posts: 425
Registered: ‎09-12-2011

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎10-07-2012 01:33 PM

My TU FICO score from here has been above 760 for a couple of months now.  It's at 790 as of yesterday when I pulled it.  My EQ FICO is at 758 and I'm hoping to get it above 760 before the end of the year.  Not sure where my EX FICO is at right now, but I should be receiving my EX score from Amex this coming week (from app'ing for the Costco TE card).

 

I've come a long way and I'm hoping to get into the 800's sometime next year.


FICOs: Walmart TU08 800 4/3/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)

My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $4K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $10.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K
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Established Contributor
cashnocredit
Posts: 743
Registered: ‎07-18-2009

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎10-07-2012 01:43 PM

EQ FICO 761 with 4 cards. Two are 3.4 y/o. Two are .9 y/o.  One paid mortgage 3y/o. Once OD LOC 3.7 y/o.

Oldest acct: 3.7y

AAoA: 2.6y

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
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sarge12
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sarge12
Posts: 1
Registered: ‎08-12-2012

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎10-19-2012 07:08 AM

My FICO scores    TU 799    EQ 787

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Omri
Posts: 80
Registered: ‎10-29-2012

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎10-29-2012 10:25 PM

Applied for a card earlier this month, and got back that my EQ score is 761, so I barely qualify! Don't know my other two right now.

Back to a seedling since 2/25/13. Shooting for gold spade or maybe even platinum!

FICO scores (all lender pulls): EQ 737 (11/22/12), EX 742 (11/7/12), TU 718 (2/14/12)
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guydiver
Posts: 532
Registered: ‎08-30-2007

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎11-05-2012 08:15 PM

Just pulled myFICO scores and updated my siggy.  All baddies are gone after seven years of rebuilding. Glad to be here.  800 or bust. 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!
Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :Take the FICO Fitness Challenge




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Established Contributor
thom02099
Posts: 804
Registered: ‎08-30-2011

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎11-06-2012 10:26 AM

As of today, my TU is 782, my EQ from here is 767 (but 803 from a lender pull), and EX is 743.  <7% util, approximately $73K in CL.  See siggy for cards and income


In The Garden 02/01/13
TU(TU04)=813 EQ(BEACON 9.0)=803 EX=756(4/2013) CL=$123,650 TOTAL/UTIL= ~5%
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LilyBee
Posts: 70
Registered: ‎01-23-2009

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎11-06-2012 12:37 PM

Congratulations  ' he who dives on guys'  :smileyhappy::smileyhappy:  Your hard work has paid off.  Keep up the good work.

 

 

By the way anybody, why do people list their credit cards and amounts of credit allowed?   Of what import is that to the Forum?  Just asking.

 

 

 

--------------------------------------------------------------------------------
Starting Score(1/1/10): EQ: 813 -- TU: 804
Current Scores (2/13/13) - EQ (Beacon): 808; TU: 795; EX: 808

Goal Score (12/31/13): Whatever
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nois
Posts: 53
Registered: ‎07-14-2009

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎11-19-2012 09:21 AM - edited ‎11-19-2012 09:23 AM

Just found out from my mortgage lender my three scores!

The EQ reported by myFICO is the same as lender's EQ Beacon score.

Woohoo!

 

Thanks for the help myFICO!

Starting Score: EQ 675
Current Score: TU 801 | EQ 813 | EX 825
Goal Score: Reached my goal - Thanks myFICO!

Take the FICO Fitness Challenge
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RonDawg
Posts: 305
Registered: ‎10-19-2012

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎12-07-2012 08:49 AM

Fico TU score is 785 and EQ is 764 not sure what EX is as I am in the garden and don't want a hard pull to find out but I am sure it is up there as well. All Credit reports look almost the same and EX is exactly the same as TU.

 

 

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861
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Valued Member
Fenerbahce
Posts: 40
Registered: ‎04-18-2008

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

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‎12-07-2012 12:17 PM

To my surprise I have 1 FICO above 760. Just received the approval letter for my Amex BCE w/ limit of $9700 and the letter came with my Experian FICO of 779! Equifax is 752 and TU is 759. TU is teasing me for sure but I should be above all 3 in a few months after my new credit lines start reporting. Just this week I added about 52k on my CC limits lol. I will be in the garden for a while!

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