I've been on a quest for 850 FICO 8 scores for 20 months now. I know it's
irrelevant, but it keeps me incentivized in gardening. I did my monthly CCT
pull and was shocked to find I crossed the finish line on TU and EQ. Yeahhh 
I had been expecting I wouldn't make it to 850 until my newest account turned 2 years,
which will happen next March. Evidently "new accounts" isn't enough of a demerit to hold
me back. What evidently was holding me back was the balance owed on my mortgage
compared to the opening balance (utilization?). I just fell below 80% on the first of this month.
Evidently the 80% threshold is worth quite a few points to my profile. My scores moved from
last months pull:
TU 839 >>> 850
EQ 844 >>> 850
Curiously, my ex didn't change a point 849 >>> 849
Anyway, I am continuing on with "gardening". There isn't anything I need to app for at this
time. I am wondering when my EX score will catch up? I also wonder why EX didn't get a bump
at all when the other two had multiple point increases this month ? All my reports have identical data
except EX shows a closed Cap1 and a Citi card that were both closed in 2008 by lender (for non-use)
that the other two reports no longer have. The old cards should help rather than hinder EX I would think.
+
850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
Congratulations!
What is the last reported balance on each of your CC? Overall utilization on revolving?
Any other term loans like a car loan?
@NRB525 wrote:Congratulations!
What is the last reported balance on each of your CC? Overall utilization on revolving?
Any other term loans like a car loan?
All my cards reported zero except about $1000 on my BCP. That is 2% on the BCP and rounds up to 1% on all cards totalled.
I have 1 active mortgage that was opened 3 years ago in Jan. It is a refi and started at $118K and now is $93K. The loan to value
is under 30% but the current balance to original balance on this refi is 79%. Something to think about when you refi a mortgage.
I have 3 closed mortgages on my reports in good standing.
I have no installment loan history on my reports at all, it's been 20 years since I had an open car loan.
@bada_bing wrote:I've been on a quest for 850 FICO 8 scores for 20 months now. I know it's
irrelevant, but it keeps me incentivized in gardening. I did my monthly CCT
pull and was shocked to find I crossed the finish line on TU and EQ. Yeahhh
I had been expecting I wouldn't make it to 850 until my newest account turned 2 years,
which will happen next March. Evidently "new accounts" isn't enough of a demerit to hold
me back. What evidently was holding me back was the balance owed on my mortgage
compared to the opening balance (utilization?). I just fell below 80% on the first of this month.
Evidently the 80% threshold is worth quite a few points to my profile. My scores moved from
last months pull:
TU 839 >>> 850
EQ 844 >>> 850
Curiously, my ex didn't change a point 849 >>> 849
Anyway, I am continuing on with "gardening". There isn't anything I need to app for at this
time. I am wondering when my EX score will catch up? I also wonder why EX didn't get a bump
at all when the other two had multiple point increases this month ? All my reports have identical data
except EX shows a closed Cap1 and a Citi card that were both closed in 2008 by lender (for non-use)
that the other two reports no longer have. The old cards should help rather than hinder EX I would think.
Congratulations! Appreciate the data.
Inverse previously confirmed you can get to 850 with accounts under 2 years old. However, his AAoA was above 8 years with his young accounts. What is your AAoA? Could your AAoA have crossed a boundry? Does your AAoA show any difference among the CRAs?
Also, I would be interested to know if your mortgage scores changed at all. Do you have before/after mortgage scores available to post?
@Thomas_Thumb wrote:
Congratulations! Appreciate the data.
Inverse previously confirmed you can get to 850 with accounts under 2 years old. However, his AAoA was above 8 years with his young accounts. What is your AAoA? Could your AAoA have crossed a boundry? Does your AAoA show any difference among the CRAs?
Also, I would be interested to know if your mortgage scores changed at all. Do you have before/after mortgage scores available to post?
My AAoA is 11.8 on EX, 11.2 on EQ & TU, oldest accout is 23.8 on all 3.
I have two accounts under 2 years on my reports. My Ink card doesn't appear on reports.
My Freedom card turns 2 next month and my SM turns 2 in March. I don't have any archived scores
other than FICO 8 from creditchecktotal.
I probably will pull from MyFico next month to see where I am on other score versions.
My file is thin, 5 active credit cards, 1 active mortgage. 3 closed mortgages and 2 closed cards.
No installment loans, auto loans or student loans at all. I would imagine my mortgage score is
okay and my auto score probably lags a lot.
I do find it curious that I gained so much in a month with EQ and especially TU. My utilization last month
was 2% spread over 3 cards verses less than 1% on only one card this month, but utilization tweeks haven't
been giving me more tha 3 points at most over the last 6-8 months. The only explanation I can come up with
for the jump in TU is that my mortgage crossed below 80% on my reports early this month.
@Thomas_Thumb wrote:FYI - Your file is by no means "thin".
Also, you don't need to have an Auto loan on file for a high Fico auto score. My Fico 8 Auto scores are: EQ 884, TU 897 and EX 889 - last Auto loan I had was paid off in 1989.
I've gotten in the habit of thinking my file is thin because that was one of the scoring
factors listed in my reports - "To few accounts paid as agreed". I know that was just
boilerplate, but the credit bureaus do like to encourage apping 
. Another
thing that changed this month is that my reports no longer list any negative score factors.
I haven't gotten any more accounts, but their reasons went away.
I had negative scoring factors on just TU last month when the score was 839.
The factors were
1. Proportion of loan balances to loan amounts is too high
2. Too few accounts paid as agreed.
I checked my SM for my TU history and it shows that I had 839 two months ago
and 844 just a couple days before my mortgage posted below 80% for the first time.
It matches what CCT has recorded when the dates line up, but I only get an update
from Barclays every two months.
@bada_bing wrote:I had negative scoring factors on just TU last month when the score was 839.
The factors were
1. Proportion of loan balances to loan amounts is too high
2. Too few accounts paid as agreed.
I checked my SM for my TU history and it shows that I had 839 two months ago
and 844 just a couple days before my mortgage posted below 80% for the first time.
It matches what CCT has recorded when the dates line up, but I only get an update
from Barclays every two months.
1 was a ding as you saw, 2 is just one of those unarguable truths that get told to people with high scores. Can't be false, can't be sued.
Anyway I do greatly appreciate your neatly providing confirmation of 80% being the high installment utilization boundary; now just looking for the one somewhere between 50 and 20%
Many thanks!
