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

Valued 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.

FICO8FICO8Visit:
03/1710/17My 11
Rules to
Credit
Rebuilding
550EX
570TU
559EQ
710EX
699TU
734EQ
Message 1441 of 1,446
Established Member

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 1,446
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 1,446
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 1,446
Established Member

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

Message 1445 of 1,446
Established Member

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

Message 1446 of 1,446