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psychic
Posts: 1,518
Registered: ‎04-20-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Congratulations on your 791 EQ score!  It's great to see such a high score.

 

You're going to have to change your name to "tryingtoreach800."

EQ 814 / TU 815 / EX 842
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tryingtoreach700
Posts: 94
Registered: ‎03-02-2008
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Thanks BYRDMAN and PSYCHIC.  Yeah i kinda thought 700 would take me FOREVER. With me though once Equifax hit 701 it shot through the roof quick once  one baddie was removed.  Hopefully the others will do the same. I reporting at 7% now. It will report at 1% in about 15 days. Im trying to squeeze at an 800. Ill probably be at 799 & have to wait to me 1 new account to age to 1 year in another 4 months. But Im trying!
3 09 EQ 802 TU 695 EX???
3 09 EQ 802 TU 693 EX ???
JAN EQ 791 TU 685 EX 693
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gretz1851
Posts: 10
Registered: ‎03-21-2008
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787 Score, but it should be higher.

 
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TriumphSM
Posts: 1
Registered: ‎02-07-2009
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820/820/813

My wife and I just signed the papers on Thursday to refinance our house, and my credit scores that were pulled on 1/13/09 were TU 820/ EXP 820/ EQU 813. We were able to get a 15 year fixed at 4.75% and we hope to pay it off in 10 years when my wife retires. We've never really paid any attention to our credit scores, we just made payments on time and kept low balances on the CCs. We aren't wealthy by any means, and our combined annual income is less than 6 figures.
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llecs
Posts: 32,881
Registered: ‎08-04-2007
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Re: 820/820/813

Congrats! Great scores and welcome to the forums!
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psychic
Posts: 1,518
Registered: ‎04-20-2007
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Re: 820/820/813

Those are fantastic scores, TriumphSM!  Congratulations!
EQ 814 / TU 815 / EX 842
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bulbisaur
Posts: 12
Registered: ‎05-15-2008
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

With the extinction of the Experian credit score, I thought it wise to pull my scores, since I hadn't checked them since last year.  And I'm glad that I did!

 

03/01/04--EQ 739 / TU 659 / EX 675

01/12/07--EQ 755 / TU 746 / EX 759

05/15/08--EQ 758 / TU 785 / EX 747

And today, when I pulled them:

02/10/09-- EQ 797 / TU 802 / EX 844

 

Last year, I decided to buy a car, and was trying to figure out whether to take a loan on it or pay for it in cash.  After looking at my credit reports, I found that my scores were lowered due to not having had any installment accounts since I paid off my student loans in 2003.  So, I put most of the money down and took a 2 year loan for $11K.  In May of 2008 when I pulled my report, Experian really dinged me for having a revolving account with more than 35% left to pay.  I now own only $2K on the loan and it looks like EX has really jumped my score due to this.  Awesome!

 

Now it is EQ that is dinging me for having opened a new account 12 months ago.  Yup, the auto loan that I took out specifically to boost my credit score!  I swear.  You can't win.

 

Not that I'm complaining.  I'll be sad to not see my Experian score anymore though.

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cobaltnv
Posts: 640
Registered: ‎09-02-2008
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Wow bulbisaur--that EX score is out of sight.

If I may ask a few questions. What is your average age of account? Oldest account? etc

Congrats! 

TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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bulbisaur
Posts: 12
Registered: ‎05-15-2008
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Thanks, cobaltnv!

 

Since EX doesn't seem to list this info, I'll take it from EQ:

 

Average Age of accounts:  12 years

Oldest account opened:  18 years, 11 months ago  (I'm 37 years old)

Ratio of Revolving balances:  1%

Revolving accounts balance:  $1,848

Installment loans:  $2,049

Total # of accounts: 26 (another says 33)

Accounts w/ balances:  3

Credit history length:  18 years

Total past dues:  none

Accounts opened in past year:  0 (auto loan was mid-Jan 2008)

Recent Inquiries / Collections / Public Records:  0

 

Obviously, most of my accounts haven't been used in over 10 years.  In fact, I really don't know what most of them were for!  I think 1-time department store discounts, etc.  I wanted to close them but took the advice here and left them open.

 

I did have a public record from a stupid Maryland state tax lien that was too frustrating to go into.  That fell off sometime between May and today.  It was only showing on EX as of last May (couldn't get it removed there.)

 

Hope this helps!

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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Wow, you're a poster child for the High Achievers profile! Very nice work.

Just think, I'll be in the same place when I'm (*calculates quickly*) 62! :smileyvery-happy: (I'm 54 now, but learning fast.)
* 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

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