There is a difference. We have a monthly 850 meeting. We talk about all of you "lessers"
mborgens
I am on PC - tried that few times but to no avail
850 meeting huh
I am 829 & 830 respectively
I think I should at least qualify to stand at the door of that meeting
Scores pulled today.
I hit 772 on transunion FICO This month. Hate to pay to get rest but scores indicate they are the same or close. One card will not report a 2500 CL increase until this month or Nov 1 so I hope that bumps me to 780. I am elated. Keep in mind 6 years ago I was 533 and felt horrible
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !!
Nov 3 j am going to spend money get all 3
2 of my credit cards give me transunion and it's Fico. Can't wait to see all 3 when the other 2500 in CL hits. I hope I can pull 760-780 out across the 3. Again 6 years ago I could not borrow a nickel and fought my way back. I plan to pay all cc to zero and not leave 3% on one life I usually do to see if more of a bump. 22,700 total cc cl and all zero balance for first time. I have 6 years perfect payment history. I try this or that to see what helps. I want 800+ back and never loose it again
2 of my credit cards give me transunion and it's Fico. Can't wait to see all 3 when the other 2500 in CL hits. I hope I can pull 760-780 out across the 3. Again 6 years ago I could not borrow a nickel and fought my way back. I plan to pay all cc to zero and not leave 3% on one life I usually do to see if more of a bump. 22,700 total cc cl and all zero balance for first time. I have 6 years perfect payment history. I try this or that to see what helps. I want 800+ back and never loose it again
One more time. My browser is giving me a headache with its temperamental behavior.
Congrats to you MarineVV. How long did it take you to get to the top? There are a few of our members in this category who have also hit the magic number of 850.
And, for you, Paramed--good show. You've come a long way and now know how the game is played.
Don't want to rain on anyone's parade, but Fico numbers have increased by about 25 points because of a change in calculations. I forget why there has been a modification in our scores, but we'll take it and so will our creditors. At least Fico has recognized the error of their ways (or miscalculations). 
I have finally been registered long enough in this system, so my scores by the end of the year should also hit the top. Unless, of course, I mess up on something.
Cheers all.
@LilyBee wrote:One more time. My browser is giving me a headache with its temperamental behavior.
Congrats to you MarineVV. How long did it take you to get to the top? There are a few of our members in this category who have also hit the magic number of 850.
And, for you, Paramed--good show. You've come a long way and now know how the game is played.
Don't want to rain on anyone's parade, but Fico numbers have increased by about 25 points because of a change in calculations. I forget why there has been a modification in our scores, but we'll take it and so will our creditors. At least Fico has recognized the error of their ways (or miscalculations).
I have finally been registered long enough in this system, so my scores by the end of the year should also hit the top. Unless, of course, I mess up on something.
Cheers all.
Hi there,
It's been a long journey with many ups and downs.
I filed for BK in 1993 because of my ignorance about how credit works. The BK is something I'm neither proud nor ashamed of. It's just part of my history. Even after the filing I continued to be mostly in the dark about how to get myself out of that hole. But I did know one thing. I knew I could never make another late payment on any loan no matter what and I have held to that all these years.
A perfect payment history and time itself were my best friends. Eventually all the negatives, including the BK, fell off and that made a big difference.
A few years ago I stumbled upon myfico and it really opened my eyes as to how little I really understood about all the nuances of credit. I've learned more here than all my time beforehand.
When I was lucky enough to be chosen as a moderator my education really began. The man who almost single handedly started these forums, Barry Paperno, was patient with all of us and showed us little details that opened all our eyes.
I guess the bottom line to anyone reading this is that you too can come back from financial problems of any kind with knowledge and determination. Just don't give up.
BTW the possible 25 point increase you mentioned will only take place once lenders start using FICO 9 and that process of switching to a new scoring model can be a very long one. Having said that there is LOT'S I don't know about the new model so I could be wrong.
In the article it says: The median FICO Score for consumers whose only major negative references are medical collections will increase by 25 points.