Understanding FICO® Scoring

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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

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

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‎12-07-2012 12:44 PM

After bringing my util down from 80% to high 20's my scores saw a nice jump recently. Glad to be above 760.
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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brother7
Posts: 331
Registered: ‎02-06-2009

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

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‎12-07-2012 02:52 PM

My ScoreWatch EQ FICO is exactly 760 but I'm heading the wrong way. My peak score was 790!

Five apps, five new cards in November did some damage.

Just wait till this time next year. I'll be back near 800, and ready to apply for a Priceline Rewards VISA :smileyhappy:


11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
06/08/2013 Current - EQ 761 (ScoreWatch FICO)
GOAL - 800! - App free since 3/8/2013
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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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‎12-07-2012 04:09 PM

Kudos to you, NOIS.  Way to go!! :smileyhappy: 

 

Too bad about that BRO7--5 new apps and new cards are deadly, as you well know.  :smileysad:  But, you'll come around again in 2013.

 

My Discover and AMEX CLs are both above $34K, but I just purchased a Long-Arm Quilting Machine, so MyFicos will drop for the end of this year.  :smileysad::smileysad:  Better luck next year.

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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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HiLine
Posts: 2,063
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 05:41 PM - edited ‎12-07-2012 05:42 PM

My TU score was 768 just 3 months ago, and since then has dropped to 669. I should've shouted out back then :smileytongue:

---> HiLine's personal finance blog - Follow my journey!  :smileylol:

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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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‎12-07-2012 06:03 PM

OUCH !!  HiLine.   Sorry to hear it.  You'll do better next year with all the info to draw from on this Forum.

--------------------------------------------------------------------------------
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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thom02099
Posts: 893
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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‎12-09-2012 12:47 PM

Getting there with my scores.  EX is my worst and it was at 743 in November.  I'll have inquiries falling off EX in early 2013 -- currently have 6, 3 will fall off -- so that should help me get over the 760 mark on all 3.  Pushing 800 now, got a report of 803 on my EQ recently. 


In The Garden 02/01/13
TU(TU04)=813 (TU98)=765 EQ(BEACON 9.0)=803 (Beacon 5.0)=740 EX (EX08)=747(6/2013) CL=$123,650 TOTAL/UTIL= ~5%
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HiLine
Posts: 2,063
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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‎12-09-2012 02:11 PM

LilyBee wrote:

OUCH !!  HiLine.   Sorry to hear it.  You'll do better next year with all the info to draw from on this Forum.

Thanks for the encouragement, LilyBee! That's a very cute name. :smileywink:

 

I am confident about joining the club some time next year, with all the knowledge I gained from this forum and the fact that most of my score drop is attributed to credit inquiries and a high utilization ratio, both of which are temporary effects. :smileyhappy:

 

---> HiLine's personal finance blog - Follow my journey!  :smileylol:

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blondy250
Posts: 86
Registered: ‎01-03-2013

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

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‎01-03-2013 02:30 PM

Trying to break 800. Currently, Trans-776, Equi-790.

photo 4335625a-0104-4fdd-96b8-d17212d3ecec.jpg
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Shogun
Posts: 7,617
Registered: ‎04-15-2011

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

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‎01-08-2013 02:53 AM

Sliding in with an EQ of 788.  :smileyhappy:

Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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tinuviel
Posts: 4,018
Registered: ‎11-02-2010

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

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‎02-04-2013 01:16 PM

I made it into the club this month, with an EQ of 766!



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
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