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New Contributor
samm90
Posts: 182
Registered: ‎11-26-2013

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.
New Visitor
gbwhite1
Posts: 2
Registered: ‎10-29-2008

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

 

New Visitor
gbwhite1
Posts: 2
Registered: ‎10-29-2008

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


BBYGRL wrote:
 
Me toooooo........:smileysad:

MidnightVoice wrote:
EX hates me  :smileysad:


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

 

Contributor
LilyBee
Posts: 79
Registered: ‎01-23-2009

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 Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/13/13) - EQ-801 -- TU-778 -- EX-827

Goal Score (12/31/13): Whatever
Frequent Contributor
DrJim
Posts: 326
Registered: ‎10-26-2009

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! :smileylol:  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 795 Dec 2013
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Signature Visa $35K, WF $13.5K,
Regular Contributor
Transmogrifying_Bee
Posts: 150
Registered: ‎12-01-2012

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

[ Edited ]

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 . . .


myFICO SCORES (4/14): EQ 779 || EX 787 || TU 769 **** FICO GOAL: 785, then 800+ **** Gardening Since October 2013
FAKO SCORES (4/14): Credit Karma (TU) 778 || Credit Sesame (EX) 801 || Credit.com (EX) 802 || Quizzle (EQ) VS3.0 807

Amex Green NPSL || Amex BCE 24K || PayPal Extras MC 15K || Chase Sapphire Visa Signature 11K || Citi Diamond Preferred MC 6.3K Discover it 4K || Capital One VentureOne Visa 3K || Capital One Quicksilver MC 3K ********** INQUIRIES: EQ 2 || EX 5 || TU 4 **********
Frequent Contributor
blondy250
Posts: 338
Registered: ‎01-03-2013

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


MyFico 1/6/14
Experian-837, Equifax-807, Transunion (Discover)--850-- 4/6/14
Aaoa-8yrs, Oldest-14yrs
No inquires in over 2 years
"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score".
Contributor
LearningMoreAboutCredit
Posts: 374
Registered: ‎11-08-2007

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: 760+ across the board | Goal: >760 FICO | Total CLs: $59.3k/$60k Goal | Utilization: 6% | Last App: 01/05/2014 | INQ: EX: 8, EQ: 17, TU: 11, All Expire 02/2016; No Collections/Charge Offs/BK's | AAoA: 6yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: CSP, Discover IT, Sallie Mae WMC
Frequent Contributor
Roarmeister
Posts: 284
Registered: ‎04-21-2012

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

[ Edited ]

"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.

.

AmexGoldBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
___$18.5k______$20k_______$20k_______$25k_______$20k____
Starting Score: 676 Feb 2008; Current Score: 771 EQ, April 2014; Goal Score: 780 by end of year
Oldest Account: 32.0 years; Current AAoA: 15.1 years; Current Credit Utilization: 1.4%
Frequent Contributor
blondy250
Posts: 338
Registered: ‎01-03-2013

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.

MyFico 1/6/14
Experian-837, Equifax-807, Transunion (Discover)--850-- 4/6/14
Aaoa-8yrs, Oldest-14yrs
No inquires in over 2 years
"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score".

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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