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Regular Contributor
Posts: 114
Registered: ‎01-23-2009
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Kkap: 

 

What do you mean by ". . . 49 different FICO scores"?  FICO is the standard, used by most lenders, for EX, EQ, and TU scores.

 

Banks select their own score reference; you can always ask them which one they use for loans.

 

FICO doesn't give 'free monthly FICO scores.'  But, you can get a free annual report once a year from a website, but not a free score.  If you want to know your scores, you have to pay for them from FICO.

 

One other point, if you are looking around for a loan, tell the lender not to do a "hard pull" on your scores.  If they do, it will go on your record and lower your FICO scores.

 

 

 

 

 

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825
Updated scores (8/15/14) - EQ - 847; TU-846; EX-841
Current Scores (12/20/14) EQ: 850; TU: 850; EX 844

Goal Score (12/31/15) WHATEVER
Frequent Contributor
Posts: 364
Registered: ‎09-17-2012
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

[ Edited ]

LilyBee wrote:

Kkap: 

 

What do you mean by ". . . 49 different FICO scores"?  FICO is the standard, used by most lenders, for EX, EQ, and TU scores.

 

Banks select their own score reference; you can always ask them which one they use for loans.

 

FICO doesn't give 'free monthly FICO scores.'  But, you can get a free annual report once a year from a website, but not a free score.  If you want to know your scores, you have to pay for them from FICO.

 

One other point, if you are looking around for a loan, tell the lender not to do a "hard pull" on your scores.  If they do, it will go on your record and lower your FICO scores.

 

 

 

 

 


Hi,

 

Thanks for your input.

 

1. There are in fact 49 different FICO scores. This is from FICO's official statement.

2. I did not say FICO gives free monthly FICO scores. I said there are 6 different institutions that provides free scores for their CC holders.

3. I am not looking for a loan but thanks.

 

Please click the three links in my signature below if you want to see. You need to be on the computer to see my sigs. Mobile version shows different ones.

 

 

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Regular Contributor
Posts: 114
Registered: ‎01-23-2009
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Whoops, my bad, Kkap.  I thought you were asking questions in your previous post.

 

I did click on your links and found the discussions about FICO scores, et al., quite interesting and enlightening about the FICO game.  I even copied your little FICO chart.  Thanks.  Don't know if I'll ever need that much information, but I can pass it on to my kids. 

 

Cheers.

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825
Updated scores (8/15/14) - EQ - 847; TU-846; EX-841
Current Scores (12/20/14) EQ: 850; TU: 850; EX 844

Goal Score (12/31/15) WHATEVER
Frequent Contributor
Posts: 374
Registered: ‎02-09-2011
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

My EQ is 794. Working on the others...

Starting Score: EQ 607 TU 693
Current Score: EX myFICO 751 - EQ myFICO 798 - TU08 (via Discover) 747 - TU myFICO 747
Goal Score: 800+ across the board!
Frequent Contributor
Posts: 399
Registered: ‎11-13-2013
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Unbeknownst snuck past it with a 768 from EQ with my OCCU pull which translated into a $20,000 CL and a $20,000 CL from Penfed.  Still smiling after my venture from the high 500's.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Established Member
Posts: 11
Registered: ‎06-14-2012
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

you hAVE A FICO SCORE OF 778 AND THEY GAVE YOU A MORTGAE RATE OF 5% FIXED THEY RIPPED YOU OFF

Established Member
Posts: 11
Registered: ‎06-14-2012
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

YOU DONT WANT YOUR UTILIZATION TO BE O YOU DONT WANT IT TO BE LOW AND YOU DONT WANT IT TO BE HIGH YOU WANT TO USE 1/3 UTILIZATION IF YOUR CREDIT LIMIT IS 300 DONT SPENT MORE THAN 100 600 NO MORE THAN 200 500 NO MORE THAN 167 BANKS WANT TO SEE HOW WELL YOU MANAGE MONEY IF U GO DOWN TO 0 THATS NOT MANAGING MONEY THERES NOTHING TO MANAGE/

Valued Contributor
Posts: 1,645
Registered: ‎07-16-2013
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

[ Edited ]

I'm not sure why the need for caps, but as far as I understand the way to maximize your FICO score via UTIL is to let all but one of your cards report a $0 balance at statement cut, with the other reporting 9% UTIL (which is subsequently paid in full).

 

 

Regular Contributor
Posts: 205
Registered: ‎08-22-2013
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?


rjohson wrote:

you hAVE A FICO SCORE OF 778 AND THEY GAVE YOU A MORTGAE RATE OF 5% FIXED THEY RIPPED YOU OFF


Dude, stop yelling. Also, that person got their mortgage in 2009, they didn't get ripped off in 2009 terms. That was an excellent rate for the time.

New Contributor
Posts: 74
Registered: ‎06-17-2009
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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

My FICO score was 787 using Equifax. When I tried the simulator, the only way my score goes up by 10 is if I take a new mortgage! if I take a car loan it drops. Does not make sense. Why would some one with a fully paid up house would be at higher risk of default on their credit than some one with a mortgage and revolving credit? 

UNFCU Visa Azure $45k, Sams Master Card $35k, Amex Costco $25k, Fidelity Visa $25k, Chase Freedom $18k, Cap 1 Mastercard $12.5k, Kohls $1.5k, Cancelled on my own BA $25 (it was Schwab card earlier) and Chase Saffire $22k. Also have 2 business cards with Chase and 1 Amex Open. AU Target $2500.
Scores: 11/14 EX 801; 11/14 TU FICO 805; 11/14 Van 823
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