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Established Contributor
Posts: 656
Registered: ‎07-17-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

My EQ is 766. TU PFICO is 786.

I'll know EX and TU FICO in a week or two, when I buy all 3.

Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Thank you everyone for your responses!!!  You've all worked so hard to achieve your scores, and should feel very proud of yourselves.
 
Who else has at least one FICO score of 760 or above?  Let's hear from some more of our Forums' FICO High Achievers!!!
EQ 814 / TU 815 / EX 842
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Posts: 527
Registered: ‎11-29-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Can I check back in 6 months?
4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
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Posts: 1,518
Registered: ‎04-20-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?



watchnerd wrote:
Can I check back in 6 months?

You might be back even sooner!
EQ 814 / TU 815 / EX 842
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Posts: 2,050
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

I think one thing people lose track of is that it takes a lot of time to get a high score.
 
According to the FICO data, a High Achiever opened his/her first revolving account 19 years ago (and that's the average).  Twenty years is a loooooooong time to build a credit history.
 
And you have to pay consistently on time.  According to the same data, virtually none of the High Achievers have a 60 day late, and the very few of them with a single 30 day late got it at least 4 years ago.  That means that the vast majority of them have never paid late.  Ever.
 
The problem is that people are impatient.  Seems a lot of people file BK and then wonder why they can't get a good mortgage 6 months later.  A mortgage is usually a 30-year commitment.  The bank needs to be comfortable that you're going to hold up your end of the bargain for that long.
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
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Posts: 7,970
Registered: ‎12-19-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Psychic, I have recently fallen from the ranks as a FICO high achiever, due to not understanding how HSBC reports (my fault).Smiley Tongue So, my EQ went from 768 to 740 to 719 in 8 days Smiley Sad (thanks for updating twice in one month EQ). I should join the ranks again (if EQ updates in Apr) as my reported uti was 5%.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
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Posts: 1,518
Registered: ‎04-20-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

At least you know how to remedy the situation, and know that your score will recover!
EQ 814 / TU 815 / EX 842
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Registered: ‎04-03-2008
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

HI ! AM NEW TO THIS ALL..BUT WENT EXPERIAN FOR FREE REPORT...JUST PAID THE ADDITIONAL FEE FOR THE SCORE..IT IS NOT LIKE THE OLD SCORE, THIS ONE IS CALLED VANTAGE SCORE..IT GOES FROM 501-990. NUMBERS SEEM VERY ODD..BUT ANY WAY, THEY SAID MY SCORE IS 884 (?) IT SAYS I AM PRIME PLUS (?) BUT NOT SUPER PRIME. I THINK THAT SUPER PRIME IS "RARE"...lol.  IS THIS THE NEW SCORES..VANTAGE? THANKS.
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Posts: 7,970
Registered: ‎12-19-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Hi Mom478, welcome to the forum. Please read credit scoring 101 in the stickied threads. The scores that you have received from EX are FAKO scores. FICO scores range from 300-850 (EQ & EX) and from 336-843 (TU). You can get FICO scores from myfico.com and from transunioncs.com (notice the cs). Any other scores that you obtain on your own from any other website are what are affectionately known here as FAKOs.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
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Posts: 351
Registered: ‎12-09-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

[ Edited ]


psychic wrote:
 
Who else has at least one FICO score of 760 or above?  Let's hear from some more of our Forums' FICO High Achievers!!!



psychic,
 
My current scores as of 4/2/08 are:
 
TU  788
EQ  787
EX  782
 
Sure home my new Home Depot card doesn't make these tank...
 
Sorry, I cannot type today.
 


Message Edited by Scout1965 on 04-03-2008 06:23 PM

Message Edited by Scout1965 on 04-03-2008 06:23 PM
FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on 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.

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