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

[MidnightVoice]

Well, I looked at all my scores for the first time in a few years, and all are 800+.  The lowest is TU at 819 (Sallie Mae inqs - countersigned two loans and a third she never took) and the highest is EQ @ 836.

Not too bad, considering I have done zero tweaking, and let balances report all over the place, including a high one, and have a gotten a whole bunch of cards with airlines and hotels recently.  All will be piffed, but I have not tried to get zero balances reporting

[p-]

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psychic wrote:  Who has at least one FICO Score of 760 or above?

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My equifax score was 530 when I joined this board.  Now my scores are:

FICO EXP: 813 - EQU: 802 - TRAN: 756

The files are near identical; the dip on EQ is a single inquiry from Penfed in May, and the TU is a student loan with lates that will turn positive sometime in the next 3 months.

My util is 12% and 5 of my 8 cards are showing statement balances.  My oldest account is 11 years, and my AAOA is 5.  I will post again when I have optimized utilization and the derog is clear.  At that point I expect to be above 800 on all 3.

[p-]

What I've learned is that once all of the derogatory information is gone, it's easy to stay over 800.  The models seem to absorb inquiries, utilization, and low AAOA if you are in the right bucket.  

All of that frantic fumbling to pay before statement date matters more at the lower levels when a few points are precious.  The fact that I can be over 800 with the usage and inquiry shows that I no longer need to be paranoid about my credit.  

As always, the best fix is paying on time, all the time.

[LilyBee]

Imhotrod:

What's a NASA card?  Is that provided through the space agency or something else? 

[LilyBee]

Midnight:

Let us know what happens to your scores as a result of getting a 'whole bunch of new cards lately.'

[LilyBee]

Looks like everyone has learned quite a bit from the Forums.  It's good to see how we adapt our credit behaviors with a little knowledge and consistent positive action as we go along in the credit world.

It's almost December 31, and since My Fico is providing me (everyone?) with a 20% discount right now, I plan to check my scores this week and will post 'whatever' they are.  One of my cards was hacked, but hopefully it hasn't impacted my scores. 

Happy holidays everyone; monitor your spending.    And have a lucrative new year!!

[MidnightVoice]

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@LilyBee wrote:

Midnight:

Let us know what happens to your scores as a result of getting a 'whole bunch of new cards lately.'

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OK, so I in the last year I got a Delta Amex to shop at Costco and give me a free bag on trips on Delta, a Holiday Inn card because I often stay there, a Hilton Citi ditto and  upgraded my Chase United Airlines card.  That plus the Sallie Mae means lots of inqs spread about

Plus at the instant I got the reports, I apparently had nearly 10% utilization of my CCs (not real - several cards had not reported being piffed)

[gamegrrl]

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@p- wrote:

As always, the best fix is paying on time, all the time.

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Amen, my friend...

[Anonymous]

I have had credit cards since I was 18 (2004). I have never checked my FICO scores. When I purchased my first car in 2009, I knew I had great credit without checking my scores, because I ALWAYS paid on time, and at that time I had zero balances reporting. Fast forward to Fall 2014 and I discovered this board. I was pretty credit savvy for the average bear, but not to myFICO savvy. I saw my FICO scores for the first time on 11/12/14 - TU 779 EQ/EX 785. I am now trying to get my scores above 800 across the board, which I have some work to do since I let some balances report, and I have applied for two new credit cards inthe past 18 days (current scores are in the siggy). 

[LilyBee]

Sailor - You've done intuitively well in the money game.    p-  You have come a long way in eight years.  Both of you have DONE GOOD in your

credit histories.  Congrats.

For myself, I was afraid to check my FICO scores because one of my cards was hacked.  Apparently, two of the FICO agencies are slower on the draw.  Shouldn't complain, however, since one of the scores is tops.  I have a mortgage and one installment on a long-arm machine; utilization is 7%.

Wishing everyone a better credit year in 2015.   Pay your bills off, or on time, and all will be good.

Cheers.