Reply
New Visitor
Posts: 1
Registered: ‎04-03-2008
0

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

i finally got very curious and ordered one from myfico.com tonight. i wonder if i'm gonna get addicted to this game. TU 810
Member
Posts: 46
Registered: ‎08-07-2007
0

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

TU, Mar 15, 2008: 788
EQ, April 2, 2008: 806
EX - don't know, but probably close to TU.
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

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

760+ all 3 CRAs.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

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

Here are a couple of High Achiever credit files. Interesting, it's my credit history length, average-age of accounts and inqs that have set me back quite a bit with EX. With the first two, there's not much I can do.
 
FICO Scores:
 
EQ: 777
EX:  734
TU:  792
 
EQ Report (777):
overall revolving utilization is 9% (< 10%)
credit history length 28.5 years
average-age of accounts is 6 years
0 inqs
no lates and no other derogs
 
14 total trade lines
 
9 open trade lines:
1 unsecured loan 10K/bal 6.8K
1 BoA unsecured LOC 26.5K CL/ bal 5211
Amex Blue 20K/bal 0
Amex Plat
Chase Visa 19.3K/bal 1871
Discover Motiva 10K (suppose to be 50K)/bal 0
FIA Fidelity Visa 25K/bal 2521
First Hawaiian Bank Visa 10K/bal 0
Macy's Gold 2.7K/bal 0
 
5 closed trade lines
1 auto loan paid and closed; never late
1 unsecured loan paid and closed; never late
Amex Gold AU account $0 bal; never late
Amex Gold account (dupe account); never late
CITI Dividends MC $0 bal; never late
 
EX Report (734):
overall revolving utilization is 9% (< 10%)
credit history length is 14.5 years
average-age of accounts < 3 years
3 inqs
no lates and no other derogs
 
13 total trade lines
 
9 open trade lines:
1 unsecured loan 10K/bal 6.8K
1 BoA unsecured LOC 26.5K CL/ bal 5211
Amex Blue 20K/bal 0
Amex Plat
Chase Visa 19.3K/bal 1871
Discover Motiva 10K (suppose to be 50K)/bal 0
FIA Fidelity Visa 25K/bal 2521
First Hawaiian Bank Visa 10K/bal 0
Macy's Gold 2.7K/bal 0
 
4 closed trade lines
1 auto loan paid and closed; never late
1 unsecured loan paid and closed; never late
Amex Gold account (dupe account); never late
CITI Dividends MC $0 bal; never late
 
TU Report (792):
overall revolving utilization is 9% (< 10%)
credit history length 28.5 years
average-age of accounts is 6 years
0 inqs
no lates and no other derogs
 
14 total trade lines
 
9 open trade lines:
1 unsecured loan 10K/bal 6.8K
1 BoA unsecured LOC 26.5K CL/ bal 5211
Amex Blue 20K/bal 0
Amex Plat
Chase Visa 19.3K/bal 1871
Discover Motiva 10K (suppose to be 50K)/bal 0
FIA Fidelity Visa 25K/bal 2134
First Hawaiian Bank Visa 10K/bal 0
Macy's Gold 2.7K/bal 0
 
5 closed trade lines
1 auto loan paid and closed; never late
1 unsecured loan paid and closed; never late
Amex Gold AU account $0 bal; never late
Amex Gold account (dupe account); never late
CITI Dividends MC $0 bal; never late
 
The differences in scores is big and here is why:
 
- EX has a credit history length of 14.5 years comapred to EQ and TU which is 28 years 5 months
  (estimated loss in points is 10-15)
 
- EX average-age of accounts is < 3 years compared to EQ and TU which is 6 years 
  (estimated loss in points is 15+)
 
- EX has 3 inqs compared with EQ and TU which have 0 inqs
  ( estimated loss in points is 15-20)
 
I think these differences account for at least 40-55 points.
 
 
 
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

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

[ Edited ]
fused--
 
You have wonderful balance in your trade lines and varied card issuers.  When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations. 


Message Edited by psychic on 04-06-2008 08:49 PM
EQ 814 / TU 815 / EX 842
Regular Contributor
Posts: 150
Registered: ‎01-30-2008
0

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

Just joined this group yesterday....
 
TU - 700
EQ - 720
EX  - 782!! 
 
The difference is that EX dropped off the last baddie on my CR a couple months earlier than the other two will.  Wasnt officially supposed to drop until June.  I posted on this over on FICO SCORING forum also. 
 
With a little luck I might actually crack 800 soon.  Payments that will post this month will click me below the 20% utils mark and my understanding is I ll get a bump from that.
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

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

sh9370--
 
Congratulations on becoming a FICO High Achiever!!!
EQ 814 / TU 815 / EX 842
Member
Posts: 46
Registered: ‎08-07-2007
0

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



psychic wrote:
fused--
 
You have wonderful balance in your trade lines and varied card issuers.  When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations. 


psychic: I am curious as to why would the Motiva report as "installment".  Is there something special about the 50K level?

 
Member
Posts: 46
Registered: ‎08-07-2007
0

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



fused wrote:
Here are a couple of High Achiever credit files. Interesting, it's my credit history length, average-age of accounts and inqs that have set me back quite a bit with EX. With the first two, there's not much I can do.
 
FICO Scores:
 
EQ: 777
EX:  734
TU:  792


fused: it seems that your credit profile is better than mine in every respect, yet your scores are lower.  I wonder why.
 
Here is my post showing my Equifax file and score:
 
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

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



ChumChurum wrote:


psychic wrote:
fused--
 
You have wonderful balance in your trade lines and varied card issuers.  When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations. 


psychic: I am curious as to why would the Motiva report as "installment".  Is there something special about the 50K level?

 


Each CRA is different.  I have a $33,300 revolving CL that is not included my TransUnion (and I suspect) Experian utilization calculations.  However, this CL is included in my Equifax utilization calculations.  We've always been a little "fuzzy" about these cut-off points.  I'm just trying to determine each CRA's behavior when it comes to high credit lines. 
EQ 814 / TU 815 / EX 842

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.