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

[LilyBee]

Ubuntu:  Enjoyed your post.

As another competitive sort, I expected to hit 850 in all three during 2014.  Unfortunately, one of my cards was hacked and probably led to the latest drop in TU and EX scores.   GRRRRR - However, EQ coming in at 850, lists my number of years of credit as 26; whereas the other two show me at 19.  The latter may be why those two FICOs never seem to measure up to EQ scoring. 

In terms of credit entries, I do have one mortgage and one installment loan.  I have a dozen credit cards (all with credit lines over $30K), but use only one or two, which are paid off promptly.  I have never been late on any card and have always paid my mortgage and installment on time or ahead of time (call me anal).  So, I figure 850 across the board is due.  But, that's the competitive spirit in me.

Just saying.

[gamegrrl]

So at what score does it really not matter anymore? 

I'm also one of those competitive types, but my logical side says that once you hit a certain score, it makes little difference. From a lender's standpoint, how much difference is there between 800 and 850? 

[Anonymous]

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@gamegrrl wrote:

So at what score does it really not matter anymore? 

I'm also one of those competitive types, but my logical side says that once you hit a certain score, it makes little difference. From a lender's standpoint, how much difference is there between 800 and 850? 

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None afaik.  Once you get over 760 you're going to get the best rates

[LilyBee]

Well, anything over 760 is a good score to get the best rates.  But for a competitive person, coming in first is better than coming in second or third.  It really doesn't matter to anyone else what my score is.  It only matters to me.  The effort, or routine, is there and it shows.

Cheers.

[vanillabean]

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@gamegrrl wrote:

So at what score does it really not matter anymore? 

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If you accept the fact that unforeseen events happen, then you also know that a buffer beyond the 760 is of importance. I would shoot for a score near 800, that is unless another FICO version is used such as myFICO 08 vs mortgage 04, in which case even more of a buffer may be called for.

I was recently about to have my credit pulled for a mortgage, and wouldn’t you know it, I had just paid a Chase bill in full. It was a mistake because Chase will report whenever your outstanding balance is zeroed, and since it was my only card reporting, my scores dropped considerably. That was on top of various other inquiries.

Of course my reports were spanking clean, so the average was about 800, but I could feel the heat. I got the best rate, also helped by locking the loan at the right time. And hey, I got the house too! Better to be safe than sorry.

[disdreamin]

I completely agree about having a healthy buffer. My scores are all pretty good, but when I went to get an auto loan recently the CU pull was 40+ points lower than my 08 FICO scores. Had I been just a tad over the minimum for the best rate, I would have had trouble! So to me, the higher the better.

Hmm...come to think of it, I wonder how the hard pull for the auto loan, plus that new loan, affected my scores. And FWIW, I'd love to see 850's across the board, but I wouldn't obsess about getting there.

[LitenFlicka]

I've been lurking and reading since 2007, but finally broke 800 on all 3. Feels awesome.

[Ubuntu]

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@disdreamin wrote:
Hmm...come to think of it, I wonder how the hard pull for the auto loan, plus that new loan, affected my scores.

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Please do let us know when you see your scores after the auto loan hits. My scores are similar to yours and I may need to get a new car this year so I'm anxious to know how much a new loan will affect my scores.

[vanillabean]

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@LitenFlicka wrote:

I've been lurking and reading since 2007, but finally broke 800 on all 3. Feels awesome.

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Congratulations! You are now StoraFlicka.

[LitenFlicka]

Haha, someone knows Swedish, eh?