@Ubuntu wrote:
@MarineVietVet wrote:After awhile I found myself playing the "Tweak my FICO Score" game and it just got to be a hobby and something fun to do to see if I could reach 850.
...
And once I saw it at that level I was very proud of course but I also realized I now had no scores to raise. I'll have to find a new hobby.
Congratulations MVV!
As a hobby I've been playing the "Tweak my FICO Score" game for a a whie now too in pursuit of the trifecta you've acheived. I'm still a bit short but I've gotten soooo close. After my two new backdated Amex cards hit my report I jumped from 748 to 831 on EQ which was better than I'd hoped for. Then I started tweaking balances and number of cards reporting along with a small dose of patience while waiting for some accounts and an inquiry to age.
As of 10/29 this is what my dashboard looks like:
Now I'm debating whether to find a new hobby as you say
My current thought is to add another Amex in January which will push my AAoA up from 10 years to 12 years which I think might do the trick but I'm sure I'll take a hit for the inquiry and then have to wait for it to age. My scores seem to be very sensitive to change probably because my report consists only of 4 primary CC TLs. Last month I accidentially went from 1 card reporting to 0 cards reporting and I was dinged for 23 points although I got 25 back this month when I fixed that probelm.
The only other available action I can see is to add a secured share loan and then wait for that to age. Or possibly do both to keep my AAoA at 10 years and add a new type of credit.
If anyone has any other suggestions for finding 2 or 3 spare points they would be greatly appreciated.
Oh FICO... why do you taunt me with 847 and 848? What in the world could be worth deducting 2 or 3 points? LOL
Edit: MyFICO seems to hate me right now... The image above is being squashed by this site for reasons unknow.
You certainly don't need any advice from me. You are doing just fine!!!
The guy that told me paying all balances off for first times in years as I usually leave 3% on just one CC was right on the money. I lost 11 points. I hit record high of 770 ish across the 3 agencies this last month to see this month take away 11 of those hard earned points
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !! 
I don't know what so called bucket I am in but every time I touch anything to do with my credit I lose fico points. I can use over 10% of a CL THERE goes 4-6 points. If I use each CC each month leave only a less than 3% balance on one my fico stays the same around 760- 780. Only thing that makes a 10-25 point increase is a CL INCREASE. I just got one on all cards and my FICO moved 25 points up.
One of my cards has a $30K limit and good cashback rewards, so I use it for everything, which totals about 10% of the credit line each month. I have several other high-limit cards, but those all show a zero balance at statement time, even if I use them throughout the month for some reason because I pay them off before the statement hits.
So last month, I thought I would see what would happen if I paid off the 10% (mentioned above) before the statement cut. I lost an average of 24 points across the board, credit score wise. Amazing.
I congratulate myself for finally becoming debt free, now I am trying to learn how to increase and maintain my scores.
Currently sitting @ 752,767,& 770 (EQ,EX,TU) until rest of cards and auto payoff report.
