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

Senior Contributor

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


BlueSky808 wrote:

I recently hit 850 on EX (FICO 8) with an AAOA of ~7.5....with only 2 new trade lines, both less than a year old. I got very lucky with an old forgotten, closed PLOC reporting from 22 years ago which boosted aaoa...

 


Curious here with respect to those 2 new trade lines less than a year old.  How old exactly are they?  I've always wondered about thresholds on new accounts... like when they were 5 months old was your score below 850 and once they hit 6 months did your score reach 850 (for example)?

Message 1321 of 1,447
Valued Contributor

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


BlueSky808 wrote:

I recently hit 850 on EX (FICO 8) with an AAOA of ~7.5....with only 2 new trade lines, both less than a year old. I got very lucky with an old forgotten, closed PLOC reporting from 22 years ago which boosted aaoa...

 


Congrats. That forgotten TL also helps your age of oldest account, I think that's very important too.

 

Your EX only has:

PLOC - 22 years old

Cap1 credit card - 9 months old

SSL - 3 months old

 

Thanks for sharing.

Message 1322 of 1,447
Valued Contributor

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


BrutalBodyShots wrote:

BlueSky808 wrote:

I recently hit 850 on EX (FICO 8) with an AAOA of ~7.5....with only 2 new trade lines, both less than a year old. I got very lucky with an old forgotten, closed PLOC reporting from 22 years ago which boosted aaoa...

 


Curious here with respect to those 2 new trade lines less than a year old.  How old exactly are they?  I've always wondered about thresholds on new accounts... like when they were 5 months old was your score below 850 and once they hit 6 months did your score reach 850 (for example)?


BlueSky808 posted the scores in the SSL technique thread.

BlueSky808 wrote:

Experian jumped twice this month:

12/2: 797 --> 811 (SSL hit 3 months)

12/12: 811 ---> 850 (CAP1 hit 9 months & I let a small balance report)

Message 1323 of 1,447
Member

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

BBS...newthis kindly summed it up above.

 

Looks like in my case the CAP1 CC break to 9 months reporting with $7.07/500 took my score to the ceiling. My CAP1 reports on the 10th of each month. On 12/2 EX was 811 (8 months & $0/500 reporting)

I pulled EX again on 12/12: 850 (9 months  & $7.07/500 reporting)

 

I opened a CAP1 Secure CC in 3/16, Alliant SSL in 9/16....the old PLOC was opened 22 years ago.

My 1 inq on EX was from the CAP1 app in 3/16.

Thats it...

 

 

So now I am wondering if I app & open 1 new CC (I'm thinking AMEX for 3x cli to reach $10k asap)....is it possible to reach the ceiling again and how long will it take to recover from the hit?

3 months for the new inq to age?

9 months for the new acct to age?

hmm...

FICO: EX 850 (12/12/2016: 1 inq, aaoa 7.5y) | TU 740 (12/2/16: 1 inq, aaoa 4mo) | EQ 786 (12/2/16; 4 inq, aaoa 7.5y)

TL: CAP1 Secure VISA ($7.07/500 opened 3/16) | Alliant SSL ($42.99/500 opened 9/16) | PLOC $0/300, opened 1994 drops soon ( EX 2018, EQ 2017, TU n/a)
Message 1324 of 1,447
Valued Contributor

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

BlueSky, I think you should plan to try at least a couple of cards to thicken your file.

 

Right now your AAoA is good and that helps to reach 850, I don't think you will get back the 850 after applying for 1 card. Your AAoA is 7.5 years with 3 accounts, if you get 1 account it will drop to 5.6 years, for 2 cards to 4.5 years and 3 cards to 3.75 years.

 

Don't go into a big spree, only apply for cards that you want to keep for a long time, that you can manage and pay on time every time.

 

Card's that grow with SP CLI and fast are Amex and Discover. Try the Amex pre-qual site. There is an offer for BCE for $250 back when you purchase $1,000 in the next 3 months then up to $200 extra if you buy in Amazon up to $2,000 (10% back) in the next 6 months. The $250 could be $100 or $150, just try other browser or private/incognito mode.

 

You could be at 800 score with only 2-3 year credit history (for your TU report and when EQ and EX drop your old account). Good luck.

 

EDIT: maybe you can open a new thread for suggestions, you will need to give more information, like how much you spend on credit cards (no point getting several cards with welcome bonus if you will not meet the purchases requeriment on each), categories you spend the most, and maybe other information that will help a recommendation.

Message 1325 of 1,447
Regular Contributor

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

This is a great thread to review for inspiration. Thanks for all the great info, folks.
Fico 8 Scores
10/2017: EQ - 823; TU - 835; EX - 824; Seven CCs ($125,500 CL, 0%-1% UTIL); AoOA = 15.5 years; AAoA = 60 mos.; AoYA = 18 mos.; one mortgage; one car loan; derogs from 2009 and 2010 now gone after 7 years. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 640; 11/2014: EQ - 653; 05/2014 EQ - 653; 11/2013: EQ - 645; 05/2013: EQ - 656;11/2012: EQ - 646;
Message 1326 of 1,447
Valued Contributor

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

My scores for December just prove that higher


IncrsCreditScore wrote:

In early 2014, discovered that my credit score was very low.  Started educating myself about credit scores and what to do to increase them.  Found this forum and it was such a big part of why my scores have increased to the following for November 2016

 

TU 798

EQ 833

EX 795

 

 

I am thrilled and hope to achieve higher.  Again, this forum was truly a godsend to me with advice on how to get rid of baddies from my credit reports by using goodwill letters, what to do to achieve higher scores, and what credit cards to try for.



My scores for December just prove that higher utilization has a detrimental impact on scores.  My utilization went up due to purchasing Christmas gifts.  So, January scores should be back on track (hopefully).  And, evidently none of the things I purchased were reported to EQ, because that score did not change from November.

November 2017 Scores - EQ 812 | TU 789 | EX 790 | ~~Started Gardening Again on March 21, 2017
Message 1327 of 1,447
Established Contributor

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

Yes, I have been there quite a while while too! Tu 803, EQ 802, EX 793.dated 1/14/17. Any One of You Can Achieve this as well.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 1328 of 1,447
Frequent Contributor

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

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

 

850s2.png

EX myFICO 850 - EQ myFICO 849 - TU myFICO 850
Goal Score: 800+ across the board! *DONE!!!*
Message 1329 of 1,447
Valued Contributor

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

My scores have been, for the most part, in the 800's for a long, long time. Problem is, once I acheived that they just almost never move. My TU actually went up 5 points this month and I felt like breaking out the champagne...because at least something finally moved. I wonder if I am the only one who has ever thought of just doing something to totally blow up my score just so I could start seeing some movement again. It kind of gets boring seeing the exact same score month after month after month. I kind of miss the days of 10-15 point jumps. I mean really my score chart looks like a straight edge ruler.

amex2.JPG




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 1330 of 1,447