Reply
New Member
SDFunRentals
Posts: 10
Registered: ‎04-05-2008

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

Ok I'll Bite.  :smileyhappy:
 
EQ:  760
TU:   745  (Was 761 yesterday, 4/5/08.  Mistakenly listed my HELOC as Revolving.  I am sure it was a fluke because it has never done that before.  I am sure next time I check it it will be fine.)
EX:  737  (Lists my HELOC as revolving as well.  Has always done this.  :smileymad:  I disputed the info w/ them so we will see if they update.)
 
I am in my early thirties and my average account age is only four years, w/ the oldest being 10 years (closed) and 8 years (Open).  I have however had auto loans (2 paid in half the term), loc's (paid in full and closed) and have a mortgage on a 500k house. I also have 23k in revolving credit w/ a $305 balance.   1% Util.  No lates or derog.
 
I have only really started paying attention to my credit the last two months.  I was really uneducated about the whole process before then.  This forum has really helped me to take control of my credit future.  So thanks to all of you who post!
  
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

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

[ Edited ]

SDFunRentals wrote:
Ok I'll Bite. :smileyhappy:
EQ: 760
TU: 745 (Was 761 yesterday, 4/5/08. Mistakenly listed my HELOC as Revolving. I am sure it was a fluke because it has never done that before. I am sure next time I check it it will be fine.)
EX: 737 (Lists my HELOC as revolving as well. Has always done this. :smileymad: I disputed the info w/ them so we will see if they update.)




Suddenly TU is reporting my HELOC as revolving as well, and now that I have a $32K card (used to be $30K), TU is reporting my util as being much, much higher than it is. :smileymad:

I have to sit down and untangle what it driving the util change. That's all we need is for TU to start screwing up on HELOC reporting.

EDIT: this is incorrect. TU hasn't been counting the HELOC in revolving, and it's not the over-$30K card. TU is counting my car loan in revolving! sheesh

Message Edited by haulingthescoreup on 04-12-2008 10:03 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Member
SDFunRentals
Posts: 10
Registered: ‎04-05-2008

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



Suddenly TU is reporting my HELOC as revolving as well, and now that I have a $32K card (used to be $30K), TU is reporting my util as being much, much higher than it is.

I have to sit down and untangle what it driving the util change. That's all we need is for TU to start screwing up on HELOC reporting.

 

 
Oh no this is not good.  I really hope TU is not coming around to EX's way of thinking.  This would really hurt all of us in CA w/ HELOC's!  The price of homes drops by the quarter out here and it is harder and harder to re-fi.  We might be stuck w/ our HELOC's for the next two years.  I really hope this is just a fluke by TU.
Regular Contributor
esshua
Posts: 223
Registered: ‎12-27-2007

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

All my scores are above 800. :smileyvery-happy:
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

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

Gah! --DH's EX hit 800. (The other two have a bogus medical collection. Now that the insurance company has paid, they should soon be history. They are merely 724 and 714.)

I'm so happy for him! I really, really am! Question: can the sound of grinding teeth carry across the internet? :smileyhappy:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Contributor
Posts: 58
Registered: ‎12-24-2007

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

[ Edited ]
Checked scores again earlier this week and TU is now up at 761!   EX 756 (close!) and EQ 740. 
 
 
Things that have my scores up:  LOW CC utilization, no baddies (a few GWs, disputes and debt validation letters in recent months removed the few baddies that were there).
 
Recent mortgage inquiries didn't seem hurt TU or EX, but EQ dropped 14 pts. w/no other explaination??
 
Things keeping score low:  not a very long credit history and I don't actually use much credit. (No debts.....well, until the mortgage) .


Message Edited by kiminno on 04-12-2008 06:42 AM
FICOs
04/08/08 TU 761 EQ 740 EX 756
Closed on my first mortgage on 4/25/2008!!!
05/18/08 TU 771 EQ 740 EX 756
08/18/08 TU 749 EQ776 EX 768
I never have real credit card debt, just the 1-9% for reporting purposes!!!
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007

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

Cool- stop grinding those teeth

haulingthescoreup wrote:
Gah! --DH's EX hit 800. (The other two have a bogus medical collection. Now that the insurance company has paid, they should soon be history. They are merely 724 and 714.)

I'm so happy for him! I really, really am! Question: can the sound of grinding teeth carry across the internet? :smileyhappy:


Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

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

[ Edited ]
Correction on what I said above about TU and the HELOC:

I've run the numbers back to last November, when I still had student loans, and I have found that on screen 2, when TU displays the "revolving" util, it has been including my non-mortgage installment accounts: first the student loans, and now the car loan. It thinks that I have 19% util instead of 9%! I've stopped grinding my teeth; now I'm just mad!

Although by the way, when my (fake) util went from 21% to 19%, it shifted from a negative to a positive on screen 2, so maybe 20% is a magic figure for TU.


edit to add: sorry for the mini-TJ. I feel like a beagle on the trail of a squirrel, and I'll follow it right across the busy interstate without once looking up! :smileytongue:

Message Edited by haulingthescoreup on 04-12-2008 10:05 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
fused
Posts: 16,194
Registered: ‎03-12-2007

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



psychic wrote:


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. 


I believe EQ does in fact have the highest cut-off, I believe it's higher than 50K, maybe 60K+.
Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007

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

Okay, made it back in. Pulled EQ this morning and it's at 790.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+