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

New Contributor

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

I am right now, but as soon as the three new trade lines report I'm sure my scores will take a hit for 6 months.
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 781 of 1,447
Established Member

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


1111mel wrote:
 
When I bought my car in January I ran my credit scores 2 out of the 3 were above 760 and one of them (I don't know which) was 752 I believe.
 
4 years ago I had over $12k in credit card debt and no available credit.  I applied everywhere to get some credit and the last card I ever got was a Household Bank card with a $300 limit.  I ran it up to $280 then realized I had a problem. 
 
I am now Credit Card Debt Free for 1 year now and plan to stay that way.  All I have now of course is my Auto Loan.  I only use credit cards for major purchases (for the protection) then pay in full and that is only once in a blue moon.
 
Luckily I didn't know there was an option to pay late or not at all so I have no lates or any baddies on my report.  Pure Luck I am sure!
 
 



Message Edited by 1111mel on 04-02-2008 08:34 AM


 

Congrats on clearing up your credit cards! It took me about 15 years to clear up my credit and I still have a bankruptcy that has about 2 years left before it comes off my record. I've raised my score from the low 500's to 721. I pay all my CC bills in full every month. People like us show that you can repair your credit. It might take some time, but with a little hard work it can be done Again, congrats on your efforts and hard work!  Greg

 

Message 782 of 1,447
Established Member

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


BBYGRL wrote:
 
Me toooooo........Smiley Sad

MidnightVoice wrote:
EX hates me  Smiley Sad


EX is tough on everybody. They have standards that the other two don't have.
 

 

Message 783 of 1,447
Regular Contributor

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

Congratulations to recent posters IIII and gbw who, with a little more knowledge, experience, and time, rose from the lower scores.  It's a competitive game with yourself and the 'big 3' that oftentimes seem to make arbitrary or puzzling decisions on scoring. 

 

Contrary to what gbw mentioned, EX has usually had higher scores for me; it's TransUnion that 'begs to differ' for sometimes unknown reasons. 

 

Happy better scores in 2014 to everyone.

 

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842
Message 784 of 1,447
Frequent Contributor

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

For the longest time TU was my highest, now it's my lowest.  Doesn't matter, no one uses TU anyway! Smiley LOL  Now EX is my higest and is knock, knock, knockin' on 800's door.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 785 of 1,447
Frequent Contributor

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

My highest credit score by far is from EXPERIAN, which still records a credit card opened in 1979 and, although now closed, will still be reporting for about another 4 years.  (I wish more of my cc's from that vintage were still around!!) 

 

When I received my Amex BCE card this Spring, they cited an Experian FICO score of 803, although this was on a scale of "350 - 850" instead of "300 - 850."  This score has dropped somewhat, thanks to multiple cc applications this year.  My last Experian FICO score, obtained less than a month ago on myFICO, was 778.  I'm gardening now, and hope I can hit that 800 threshold once again.  Such a great feeling to do so . . . !

 

My TransUnion myFICO score has been 750 for over three months now.  Hopefully some gardening will allow it to hit, for the first time, that 760 mark sometime next year.

 

And then there's my Equifax myFICO score of 724 . . .

FICO Score 8: EQ 815 EX 809 TU 814 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 824 EX 823 TU 822
TOTAL CL (6 cards): $127.7K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 16.2K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 786 of 1,447
Established Contributor

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

My scores all moved up a couple points (sig), the new one being the discover TU score of 845

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 787 of 1,447
Frequent Contributor

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

I guess I get to join the club...TU: 761 & EX: 768


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 788 of 1,447
Frequent Contributor

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

"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score".

 

I love your sig line!  I seen the "negative factors" on my report as simply the CRA grasping at straws.  They have to come up with some sort of excuse when scores are already decent but in your case, your scores are exemplary.

.


Starting Score: 732 October 2007; Current Score: EQ 836; TU 806, November 2017; Oldest Reporting EQ Account: 15.8 years; EQ AAoA: 8.0 years; Typical credit utilization 1.8% typical single card utilization 10.6%
Message 789 of 1,447
Established Contributor

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

My comments are usually the same way, grasping at straws for negative comments. Thought the comments were hilarious this time. I think I just lucked out this time, my scores fluctuate.
Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 790 of 1,447