That's fantastic news. I had 760 Tu 740 experian and 724 equifax lender pull December to buy new truck. Went through incredible but they did 2 hard inquiry on me and I put out of pocket on my us air to get air miles. It busted 40 points off all scores. Made me sick. Perfect payment history time 4 years. Seems every time you use your credit you get a penalty for doing so. I am looking for 800 so bad. It will take 6 months of perfect payments on the new truck and I hope I see a huge improvement back up. I had just made bottom of the bucket to reach 800 when I did this. Looking back I so wish I had bought used car cash. Again congrats and I'm still working daily on making mine the best it can be.
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !! 
Hey all:
What a great list of accomplishments on this page. Super scores to start off the new year.
I'm afraid to check My Fico scores; I know they've gone down a bit, but I'll get them back up again.
Cheers to all.
@blondy250 wrote:My Discover TU score moved up 5 points to 850. No place to go but down
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Wow. Everything in your post, right down the the shiny diamond in your sig, is amazing. Congratulations!
Would you mind sharing what your credit profile looks like? I see some of it is in your sig. But maybe tell things like loan types, util, etc.?
Back in 2010 my FICO score (do not know which one, although I suspect EQ) got up to 816, although it was 813 for most of the year, and closed there. When I revisited MyFICO this year I found EQ was 813. This despite the fact that since 2010 we have paid off two mortgages and five car loans and currently have no outstanding debt. We have no carry-over balances on any of our credit cards, although I do try to leave a small amount showing on closing day to let the CB's know they are still active. I am beginning to wonder just what I need to do to get up over 825. This goes double for my wife, who earns over $200k, has paid off all her loans, and has had her cards PIF every month for the last seven years. She is stuck on 776. Our FICO scores at this point have become primarily a curiosity, since we have no plans to apply for any additional credit, but that curiosity is growing, given the difficulty in improving our scores, especially hers.
804! I'll make a proper introductory post, (this is my first post here) but it's 804 on Ex! I about fell over when I saw that!
Had an 818 (lender pull) when I applied last week for an LMCU VISA. Everthing I saw was between 760 and 795, so that was amazing! Still have some work to do to get all 3 above that threshold and keep them there.
Wow. That is one impressive list. Prompted me to check mine, and my total CL is only $72,000. moreover, I have been thinking about canceling some of the cards, since I have two rewards cards that I use almost exclusively. I have several others that I have to remind myself to take out and use every few months, and I am beginning to wonder if it is worth the effort. I kept them originally because my VISAs and M/Cs were all signature cards, and I wanted some that actually reported a CL. Unfortunately, I wound up with a few of them when I was talked into signing up for interest-free loans and the store put the transactions on cards instead (Home Depot, Sleepy's, Macy's, Sears, you know who you are). Haven't dumped them yet because they have a habit of offering extra discounts on their own cards.
