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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?


marty56 wrote:


One could easily gain 60 or more points just by lowering util.  No apps or CLI requests either.  


Yep, depending on how high utilization is on even one card + all your cards, you can easily lose 60 points overall.  The new account penalty early on (0-3 months) plus the cost of a few inquiries and a punch to AAoA can bring you down another 40 points overall.

 

I've seen a few folks go from 650 to 750 in a year with NO derogatory accounts reported ever.  Just because they had 2-3 cards with insanely high utilization, plus a few new accounts, and a bunch of inquiries.  Gardening for a year can have a massive effect if combined with AZEO utilization management.

Message 1441 of 1,463
New Contributor

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

Yes, and because my most recent cards are a chase FU approved 8/28/17 and an amex BCE approved 8/29/17. My chase card im using for the 15 months 0% so it's high right now and also my amex was approved for 500 and is in their "credit steps program so thats another data point I'll be letting the forum know about in a few months.
Message 1442 of 1,463
Community Leader
Senior Contributor

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

I have not applied for credit in 2017 and boy does it show in my scores. I finally made my goal on EX of 770+ with a 2.5 yr AAoA. 

 

:]

 

serfgyhnk.jpg



Message 1443 of 1,463
Regular Contributor

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

Agreed!
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 1444 of 1,463
Contributor

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

Hello Again

 

I was a member of this exclusive club for many years; but then deadbeat renters, real estate lawyers’ fees, and Hurricane Irma bumped me off. While I always maintained my payment history status perfect (never late or other derogs.) I did kill myself (out of necessity) with my DTU.

 

THE SYSTEM WORKS! My CS dropped like a rock off a skyscraper when I used my CCs and personal loans (DTU); but rebounded as soon as I lowered my CC DTU again once all was solved. My scores jumped in one report 55, 67, and 84 points with the 3 CRAs. They should jump another 40 to 50 points as soon as my payoffs for personal and auto loans are reported cleared/reduced (installment loans). No, I did not hit myself by reducing my credit mix, but I will have to wait another month to get rid of those pesky inquiries and raise the score even more above the next anticipated increase. Nevertheless, I’m back in the 760 club (albeit with only one CRA today). Check with me in a week and everything should be above 760 and probably EX and TU above 800.

 

Y

 

IncreasesIncreases

Latest Scores, See Updates After a Week of GardeningLatest Scores, See Updates After a Week of Gardening

Current FICO 8 Scores:
EQ 796 (11/26/17), TU 784 (11/24/17), EX 803 (11/27/17)
EQ 788 (12/20/17), TU 801 (12/23/17), EX 800 (12/19/17)
EQ 792 (01/22/18), TU 799 (01/24/18), EX 824 (01/25/18)
Message 1445 of 1,463
Contributor

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

PS

The "account under dispute' mentioned in the TU Alerts section above pertains to my argument that I was never over my limit (also stated as “A decrease in bankcard accounts over limit…”). I won this case with TU (the only one stating so) and thus it shows a score increase accordingly. Now if I prevail with the “account close, paid in full as agreed, balance is zero” and “incorrect balance reported” cases; I should get the next bump that I mentioned. The rest is gardening until 800+ across the board by January 2018.

 

Y

Current FICO 8 Scores:
EQ 796 (11/26/17), TU 784 (11/24/17), EX 803 (11/27/17)
EQ 788 (12/20/17), TU 801 (12/23/17), EX 800 (12/19/17)
EQ 792 (01/22/18), TU 799 (01/24/18), EX 824 (01/25/18)
Message 1446 of 1,463
Contributor

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

My scores ranged from 674 EX to 724 TU earlier this year.  My UTI was 90%.  Then I paid it down to 8%.  All my scores jumped over 800 within 45 days.  Recent scores noted in my signature.  Prior to this year the last time my credit report saw a flurry of activity was 2012 - I secured a mortgage and 3 months after added a new credit card and charge account.  My EX has taken a hit in the last few months because I upgraded to several prime lenders while slowly shedding the subprimes that leeched me for years on interest - which was of course my fault, and good for them for making a profit.  Oddly 760 doesn't make me think of myself as a high achiever.  Considering how low I've been over the last 2 decades, hitting 800 with all 3 CRAs did give me a feeling of euphoria.  Getting approved for quality cards that I wanted - and thus dropped my EX - returned the same feeling.

17 February 2018: (FICO Score 8) EQ 809, EX 791, TU 823.
Gardening until 14 May 2019 when my last 0% APR offer expires.
Message 1447 of 1,463
Valued Contributor

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


banquier wrote:

My scores ranged from 674 EX to 724 TU earlier this year.  My UTI was 90%.  Then I paid it down to 8%.  All my scores jumped over 800 within 45 days.  Recent scores noted in my signature.  

Oddly 760 doesn't make me think of myself as a high achiever.  Considering how low I've been over the last 2 decades, hitting 800 with all 3 CRAs did give me a feeling of euphoria.  Getting approved for quality cards that I wanted - and thus dropped my EX - returned the same feeling.


Nice work! I would guess your files are currently free from any delinquencies - yes?

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) EX Fico 98: 839 (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: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 1448 of 1,463
Established Member

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

Holy C!!P, I just did the $1 trial at Experian and saw that my Fico 8 as of today is 830!!!! First time in my life that my score was over 790. Smiley Very Happy

Message 1449 of 1,463
New Member

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

In early January I had a bankruptcy fall off after 9 1/2 years. My score went up 80 points, overnight to 798. It has been going up a point every 2 or 3 days as other accounts that have been PIF are being recorded and I show an 803, today. On February 1st I will have my utilization at 0%. I don't see what else I can do to raise my score, but doing so would be nice.

 

I'm worried that not using my cards and carrying a $0.00 balance will hurt my score and I already had one card cancel my account because it wasn't used for a year, with a nasty note telling me to NEVER apply, again. Of course, last week I got a pre-approved solicitaion/invitation from that company for a card at half my previous CL. Don't hold your breath.

Message 1450 of 1,463