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Valued Contributor
Posts: 1,468
Registered: ‎08-12-2012

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


gamegrrl wrote:

I'm three EQ points away from the 850 trifecta. Yay!

 

850s2.png


Three lousy points....equifax hates you...I mean come on, have a heart equifax give her these 3 lousy points. To do that is just wrong!!!


TU fico08=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

Valued Contributor
Posts: 1,468
Registered: ‎08-12-2012
0

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


gamegrrl wrote:

I'm three EQ points away from the 850 trifecta. Yay!

 

850s2.png


I'm gaining on you....

creditcheck3.24.2017.JPG


TU fico08=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

Valued Contributor
Posts: 1,969
Registered: ‎04-01-2015
0

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

I love the look of the 3B Beta score displays Smiley Happy

 

Beta 1.jpg

Beta 2.jpg

Beta 3.jpg

Beta 4.jpg

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........LN Auto 940 LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Regular Contributor
Posts: 166
Registered: ‎01-23-2009
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Seems to me that if one has 850 scores across the FICO triumvirate, the other lending scores would also be acceptable as a matter of course.  I guess if we have less than 850, then the other lending scores would come into play.    Just answered my own 'quandary.'Smiley Indifferent

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Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Valued Contributor
Posts: 1,969
Registered: ‎04-01-2015
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?


LilyBee wrote:

Seems to me that if one has 850 scores across the FICO triumvirate, the other lending scores would also be acceptable as a matter of course.  I guess if we have less than 850, then the other lending scores would come into play.    Just answered my own 'quandary.'Smiley Indifferent


Unfortunately, 850s on Fico 8 does not necessarily mean one has top tier Fico mortgage scores.  I can whack my mortgage scores (particularly the EQ version while maintaining 850s on Fico 8 and Fico 9. At the time of the below report I had 6 of 6 cards reporting balances - which caused a drop in my Fico mortgage scores. My Classic Fico 8 and Fico 9 scores were ok with all cards reporting small balances. Overall utilization reported at 1%. Not 100% sure why the very good rating for debt amount given the low utilization. My guess is # cards reporting a balance dropped the rating.

 

EQ Fico score smackdown.jpg

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........LN Auto 940 LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Regular Contributor
Posts: 166
Registered: ‎01-23-2009
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Good to know, Thomas T.  I guess I'll check out my scores to see if they've changed much.  Think I have about 10 credit cards (down from more than that in my wild years before finding FICO).  Some were cancelled or they gave me up because I didn't use them.  I do have a mortgage, but no balances on any credit cards.   Actually, I did charge a trip last year, but paid it off within a month, but not before FICO hit my score.Smiley Mad

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Senior Contributor
Posts: 5,283
Registered: ‎04-11-2016
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

TT, I think it's necessary to say though that even if you "whack" your mortgage scores by allowing all of your credit cards to report small balances, your lowest mortgage score is still more than capable of landing you the best possible interest rate.  Everything above 750 is essentially fluff, so yes while mortgage scores may be quite a bit lower than FICO 08 scores it's still safe to say that anyone that possesses 850 FICO 08 scores across the board is going to be just fine with respect to obtaining a mortgage at the best rate out there.

Valued Contributor
Posts: 1,969
Registered: ‎04-01-2015
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Fico 8 does not consider collections under $100 and for quite a few profiles Fico 8 does not count AU cards.

 

Using my above example, lets tack on two year old $80 collection. That won't impact Fico 8 score but likely drops EQ Fico 04 another 50 points to 714. Now let's say the primary card holder on my AU account maxes out the card - which would also drive aggregate utilization to above 20%. EQ Fico 04 takes another drop due to the AU card - say 30 points.

 

Given the AU account is ignored in Fico 8 for this illustration, we still have EQ Fico 8 at 850 while EQ Fico 04 has now dropped to 684.

 

A factor that comes into play for EX Fico mortgage score (Fico 98) is B/HB on NPSL charge cards. That is not looked at in Fico 8. I tested this on my AMEX. I allowed the card to report a new high balance so B/HB was 100%. EX Fico 98 mortgage score dropped 20 points no impact on EQ Fico 04 mortgage or any Fico 8 score.

 

I suspect there are some profiles with small $ collections that have Fico 8 at 850 but mortgage Fico scores below 720.

 

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........LN Auto 940 LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Senior Contributor
Posts: 5,283
Registered: ‎04-11-2016
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

HEY ALL, if you have 800+ scores and have ever gone on a spree I'm curious to hear your before and after scores along with any other profile data you can provide.  I started a thread on this topic at the link below, so please visit that link and give your responses and data in there.  Thank you!

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Spree-impact-score-drop-on-800-Club-membe...

Valued Contributor
Posts: 1,468
Registered: ‎08-12-2012

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

Sometimes I feel like those of us who have 800+ fico scores on this forum have an unfair advantage. Most of us have learned from each other exactly what kind of credit mix we need to achieve high scores, we know all the tricks such as AZEO and getting CLI's to lower utilization. Many here have insane credit limits to maintain the magic <9% util. We all know how damaging late payments are and any derogs are unthinkable. We play the fico score game like a game of chess, employing strategy and planning every move. Meanwhile the majority of the public is playing checkers. They only ask for CLI when they need more credit. They occasionally pay late just because they forget or sometimes to make a purchase, and do not even realise how much it hurts their score. They have no clue what utilization is or how it is a point in time factor. They do not have a clue about having just the right credit mix of installments and revolving accounts, and how they need to show usage. Compared to the public at large, at this credit score game, I almost feel like we are cheating.


TU fico08=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

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