What are the highest FICO scores ever reported on this forum?

[Anonymous]

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@LilyBee wrote:

Hello:

I'm usually on a different category, but stopped by here to gloat a bit, since the scores will change in due time.  I don't know how to post the neat 850s display, but my scores should show up under 'settings' below.

Cheers.

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That's awesome! The 850 is also my goal. I'm hovering just under 800 on 2 of them and I keep having to convince myself I do NOT need to app!!

[Anonymous]

Well, my Discover FICO is now 847 from the 841 score on my last post several months ago. My Chase free FICO score is showing @ 845.  Discover 847 is the highest score I've ever achieved, but I'm still 3 points shy of that elusive 850. 

Nothing significant has changed on my credit  / loan situation which I had itemized previously (see post #38 on this thread). I do have one new inquiry, the credit history age is now 26 years, and average age of accounts is closer to 13 years. One of my credit limits was increased by a whopping $2k (BAC Visa).  I should also note, I have several business cards and LOC's which are not reported on my personal cr's (all have moderate balances but paid on time, never late). So I doubt they play any factor in my score. 

Will update if I get to 850!

[bdhu2001]

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@jello77 wrote:

In my files today, I came across some FICO scores I ordered back in 2008 when you could still buy all three agency FICOs thru MyFICO.com. (Experian stopped selling FICOs to the public in 2009.) 

My Experian FICO was 837. At the time, I didn't understand how unusual it was to be just 13 points from the maximum 850.

I came across this article saying the highest FICO score of anyone in the U.S. as of August 2011 is 834. It was written by John Ulzheimer, who formerly worked at FICO and is an expert on credit score issues. But he doesn't say where he got this info from.

This got me to thinking:  what are the highest FICO scores ever reported here?

I found this Nov 2011 post from psychic on this forum where his signature shows an Experian FICO of 842. Maybe we should tell John Ulzheimer that we have a new national FICO champion on this board.

Sadly, my FICO is much lower today. But it was a pleasant surprise to come across those old reports.

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Below is a summary of my 2008 Experian credit report. My other 2008 scores were EQ 809 and TU 796.

FICO score: 837  (April 25, 2008)

Total accounts: 10
___4 open credit cards
___5 closed credit cards
___1 closed mortgage

Oldest account: 30 years

Average age of accounts: 17 years

Total late payments: 0

Total credit line of open accounts: $39,100

Total current balance: $1115

Utilization: 3%

Accounts with current balance: 2
___$488 on card with 10,300 credit line (5% utilization)
___$627 on card with 14,300 credit line (4% utilization)

Accounts opened in past year: 0

Inquiries in past year: 0

Collections: 0

Public records: 0

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I have no idea, but my current Ex FICO 08 score is 857. I just refinanced my house, so I'm sure it'll take a ding for a while, because my installment loan will be at 100% plus the new inquiries for the loan will also create a decrease in score.

[Anonymous]

Logged into my Amex today to see I finally reached the elusive 850 ceiling. I feel like Neo at the end of The Matrix where everything slows down for him 

[bdhu2001]

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@Anonymous wrote:

Logged into my Amex today to see I finally reached the elusive 850 ceiling. I feel like Neo at the end of The Matrix where everything slows down for him 

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Congrats!  I have Two cards that give my Classic 08 scores,  I can't wait until I can say likewise.

[LilyBee]

Hanging in there, but  I still don't know how to post those green circled numbers!