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Regular Contributor
Posts: 129
Registered: ‎10-22-2008
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Woohoo! Scored 801 on TU today!

[ Edited ]

Your FICO® score has gone from 796 to 801
Your TransUnion score has gone from 796 on 7/2/2011 to 801 on 9/30/2011 .
Some of the reason for this change:
  • You have a new positive factor helping your score: 
    "You have an established credit history."
  • You no longer have a negative factor hurting your score: 
    "You have a short credit history."


I am 40 years old. I have three credit cards. The oldest AMEX just turned 20 years old a few months ago. The other two are just a few years old. I also have ten years of student loans used for a PhD. They are in 'in-school' deferment status for another year. That's all, no car loan, no mortgage. 

FICO® TU: 703 8/07/2015, EQ: 716 8/07/2015
Established Member
Posts: 30
Registered: ‎09-03-2011
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Re: Woohoo! Scored 801 on TU today!

WOW - congrats - that's just wonderful!!!! Always nice to hit those new highs!!

Starting Score: 684 EQ
Current Score: 684 EQ
Goal Score: 700

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Frequent Contributor
Posts: 262
Registered: ‎06-23-2011
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Re: Woohoo! Scored 801 on TU today!

smiley emoticons  that's a great milestone congrats!!

Established Contributor
Posts: 511
Registered: ‎03-09-2011
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Re: Woohoo! Scored 801 on TU today!

That's AWESOME!!!

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Regular Contributor
Posts: 129
Registered: ‎10-22-2008
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Re: Woohoo! Scored 801 on TU today!

[ Edited ]

Understanding my FICO® Score

What’s helping my FICO® score

1. You have no missed payments on your credit accounts.

2. You've limited the use of your available credit. Ratio of your revolving balances to your credit limits 1%

3. You have an established credit history. Your oldest account was opened 19 Years, 10 Months ago. Average age of your accounts: 5 years

4. You have an established revolving credit history. Your first revolving account was opened 19 Years, 10 Months ago


I have 27 accounts (3 cc + student loans), 22 with balances (1 cc + student loans). 0 inquires. 

FICO® TU: 703 8/07/2015, EQ: 716 8/07/2015
Super Contributor
Posts: 6,677
Registered: ‎04-07-2008
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Re: Woohoo! Scored 801 on TU today!

Nice !!!!!!!


What a milestone. I thnk we on here all aspire to reach above 800.

Moderator Emeritus
Posts: 4,469
Registered: ‎12-31-2008
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Re: Woohoo! Scored 801 on TU today!

Congrats on your exceptional score!  Woot-woot!


And thanks for posting some of the details - proof positive (once again) that you can hit 800 without a mortgage on your report!  Smiley Tongue

Just puttin' syrup on something, don't make it pancakes.

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