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

[Anonymous]

When I came to this forum (early 2015) my FICO 8 scores were in the low 600's, my best was 620 I think.

This month my FICO8 is TU=766, EXP=779, not sure about EQX

[Anonymous]

I'm at 760+ accross the board, working toward breaking the 800 mark but will likely not get there for a year and a half when a 30 day late drops off.

[sarge12]

Just pulled new 3b fico 08 reports at credit check total all debt showing at the 3 bureaus are identical as is every catagory shown except inqueries so the pulls are confusing. The following is the scores with the number of inqueries in parenthases

Experien....803 (2)

Equifax.......804  (3)

TransUnion...814  (6)

So what do I gleam from this??? If I did not know better I'd think that inqueries helped your score. Beats the heck out of me why the report with the least inqueries is the lowest and the one with the most inqueries is the highest...but it is what it is. Every other factor was identical...beats me!!!

[Anonymous]

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@sarge12 wrote:

Just pulled new 3b fico 08 reports at credit check total all debt showing at the 3 bureaus are identical as is every catagory shown except inqueries so the pulls are confusing. The following is the scores with the number of inqueries in parenthases

Experien....803 (2)

Equifax.......804  (3)

TransUnion...814  (6)

So what do I gleam from this??? If I did not know better I'd think that inqueries helped your score. Beats the heck out of me why the report with the least inqueries is the lowest and the one with the most inqueries is the highest...but it is what it is. Every other factor was identical...beats me!!!

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How many of those inquiries are scoreable?  Scoreable = less than 1 year old.  Any that are 1-2 years old while present on your report are not impacting your score.  With identical profile data it's common to see a 10-20 point difference between your top and bottom score.  30 points, while less common, is still possible and there are a couple of outliers that have reported a 34-36 point variance with identical profile data across the 3B.  

[sarge12]

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@Anonymous wrote:

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@sarge12 wrote:

Just pulled new 3b fico 08 reports at credit check total all debt showing at the 3 bureaus are identical as is every catagory shown except inqueries so the pulls are confusing. The following is the scores with the number of inqueries in parenthases

Experien....803 (2)

Equifax.......804  (3)

TransUnion...814  (6)

So what do I gleam from this??? If I did not know better I'd think that inqueries helped your score. Beats the heck out of me why the report with the least inqueries is the lowest and the one with the most inqueries is the highest...but it is what it is. Every other factor was identical...beats me!!!

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How many of those inquiries are scoreable?  Scoreable = less than 1 year old.  Any that are 1-2 years old while present on your report are not impacting your score.  With identical profile data it's common to see a 10-20 point difference between your top and bottom score.  30 points, while less common, is still possible and there are a couple of outliers that have reported a 34-36 point variance with identical profile data across the 3B.  

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BBS...I know some are unscorable, but have not dug deep enough to know which ones are not. This shows how people can't assume that just because they have an alert and they also experience a score change it might be unrelated. Like I said if I did not know better, I would think based on this that inqueries raise your score. The three only vary by 11 points so who knows why. Actually the amount an inquerie harms a score declines as the inquery ages, but how much Fico keeps to themselves. I just thought it kind of funny that the scores were higher as more inqueries showed, when we both know that is not why.

[Anonymous]

Your monitoring software I'm sure shows the dates of your inquiries.  Greater than 1 year and they aren't scoreable.  I'm sure this isn't the case, but if the 6 inquiries you have on TU are from 1.5 years ago and the inquries that you have on EX and EQ are all from the past 12 months, in terms of FICO scoring TU would be scoring you as having no inquries where EX and EQ would likely still be dinging you for a couple. 

[sarge12]

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@Anonymous wrote:

Your monitoring software I'm sure shows the dates of your inquiries.  Greater than 1 year and they aren't scoreable.  I'm sure this isn't the case, but if the 6 inquiries you have on TU are from 1.5 years ago and the inquries that you have on EX and EQ are all from the past 12 months, in terms of FICO scoring TU would be scoring you as having no inquries where EX and EQ would likely still be dinging you for a couple. 

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I'm sure I could find the dates on the inqueries, but I really sort of expected a fairly large drop due to a new inquerie to get a wells fargo card (hanging my head in shame) and a totally unneccessary double pull from chase. I usually do not worry about it though unless I truly think something is reported in error. It just struck me as funny the way the higher scores had the most inqueries. I'm pretty certain the double pull from chase was on EQ and EXP, so that is probably why they are lower. Before these pulls I was in the garden for 8 months, so the scoring effect on the 8 month old pulls are probably very minor, and TU showed 6 inqueries before this so the new pulls were almost certainly not on TU.

[Anonymous]

Gotcha, that all makes sense.  Since you were in the garden for 8 months I'd say the inquiries weren't adversely impacting your scores much at all.  Your recent ones may have hit you for a little bit, but you've got a strong profile which can absorb limited apping here and there.  You could probably take on a spree pretty well, too, if you needed to.

[sarge12]

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@Anonymous wrote:

Gotcha, that all makes sense.  Since you were in the garden for 8 months I'd say the inquiries weren't adversely impacting your scores much at all.  Your recent ones may have hit you for a little bit, but you've got a strong profile which can absorb limited apping here and there.  You could probably take on a spree pretty well, too, if you needed to.

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I do not know about that...I have a hard time getting sp CLI lately, and there has been a large number of people with high scores recieving AA also. I think the issuers are onto our games of CLI and getting cards we don't need to keep utilization low and get a lot of SUB's. We may have poked the bear a little bit too much BBS, so I for 1, plan to hide in the garden and try not to be noticed until it appears things calm down a bit. In my opinion CLD's by Capital One is a huge red flag, as AA by them was once unheard of. My guess is the issuers read these forums and know fully well what we do, and they also know it is not in their best interest to allow it to get out of hand. I hate that it appears they are cracking down, but I do understand why they would.

[Anonymous]

I don't know, that type of stuff doesn't bother me.  AA, 9 times out of 10, is warranted.  Sure, 1 time out of 10 we all are taken back by the circumstances, but far often than not it's perfectly understandable why a creditor takes AA.  Capital One isn't of importance to me.  Relative to the Big Four, they are a small fish in a big pond.  There have been a few instances of Chase taking AA recently but I've heard very little regarding the other big banks.  And, again, 9 times out of 10 with Chase the AA is justifiable and for every person that references AA with them you have 90-100 that are perfectly happy and have had no issue.  I understand the "better safe than sorry" mentality, but I don't necessarily think there's any greater cause for concern lately, to be honest.