Frequent Contributor
Trishco
Posts: 279
Registered: ‎07-12-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎05-19-2008 05:33 PM

No I don't have one of the required scores...I'm just practicing my entrance for the day I do!  :smileytongue:
 
This thread motivates me!!
 
Thank you to all of you who have posted!
(16,080 Views)
 
Valued Member
divorcedcapone
Posts: 40
Registered: ‎05-20-2008
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎05-20-2008 02:03 PM

I'm new to the forum, I pulled mine yesterday as I am starting to think about mortagages. A scary debt for me to consider..

It's like a weird ladder!
TU 737/ EQ 764/ EU 782
Can I get frequent flyer miles for the 737?

A year an a half ago, I was in the 640's. I had a record from cap one that showed 90 days past due that I paid off bit by bit and still kept the account. The day that I graduated from that major colossal ding, I made it to the 700's. Now, I'm waiting for one student loan payment, 30 days late, in 2001, to slide off my TU report to see what happens. Time and good behavior healed the worst of my credit wounds. I consider myself still on parole...but happily divorced from my cap one financial woes.
Ficos 8/23/08: EX 805, EQ 774, TU 768
Ficos 1/6/09: Ex 813, Eq 779, TU 770
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Frequent Contributor
Scout65
Posts: 352
Registered: ‎12-09-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-07-2008 07:57 PM

Wanted to post my latest FICOs. 
 
EQ is still NOT happy with my new Home Depot account.  Oh well, I am happy with it.:smileytongue:
 
Utility is currently at 8%. 
 
I am thrilled with TU.  Maybe I will someday hit the elusive 800.
FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797
(15,917 Views)
 
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-07-2008 10:11 PM

So close yet so far away-
 
It is amazing to me to have people be "Credit perfect" for such a long time.
I will be there myself again someday.
Scout1965 wrote:
Wanted to post my latest FICOs. 
 
EQ is still NOT happy with my new Home Depot account.  Oh well, I am happy with it.:smileytongue:
 
Utility is currently at 8%. 
 
I am thrilled with TU.  Maybe I will someday hit the elusive 800.


(15,912 Views)
 
Moderator Emeritus
psychic
Posts: 1,518
Registered: ‎04-20-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-08-2008 02:56 AM


Scout1965 wrote:
Wanted to post my latest FICOs. 
 
EQ is still NOT happy with my new Home Depot account.  Oh well, I am happy with it.:smileytongue:
 
Utility is currently at 8%. 
 
I am thrilled with TU.  Maybe I will someday hit the elusive 800.

EQ generally isn't happy with new credit for at least one full year after the account is opened.  But, the Home Depot card makes you happy, and your life can't always revolve around pleasing EQ!
 
Glad you decided to update us on your scores!!! 
EQ 814 / TU 815 / EX 842
(15,908 Views)
 
Moderator Emerita<br>Community Leader<br>Epic Contributor
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,112
Registered: ‎04-01-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-08-2008 04:52 AM

DH is an AU on my PenFed card for the gas and grocs and on the AmEx Gold Rewards Plus. PenFed doesn't report for him, thank goodness, but AmEx finally did, and he took a score hit, although not as bad as I feared:

6/3/08: EQ 805 - TU 806 - EX 807
5/11/08: EQ 816 - TU 817 - EX 816

So, essentially 9 - 11 points. He doesn't currently have many open accounts at all, but I think that the blow was cushioned by the startling number of signature loans that he has had from our local CU over the years, so his average age remained at 6 years. It might also have been cushioned by the fact that his oldest account went from 18 y 11 m to 19 years.

Whenever I read about someone (like me!) trying for an AU account to help things out, I think yeah, but they don't always help. Wish there were the option to NOT have them report!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
(15,899 Views)
 
Moderator Emeritus
psychic
Posts: 1,518
Registered: ‎04-20-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-08-2008 08:03 PM

When I opened my Citibank account 2 years ago, my scores took the same 9 - 11 point hit.  It's funny, how in just becoming an AU, the effects can be the same.  This is one of the disadvantages of having scores at, or near the top. 
EQ 814 / TU 815 / EX 842
(15,874 Views)
 
KerryLBerryJ
New Member
KerryLBerryJ
Posts: 3
Registered: ‎09-27-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-11-2008 08:11 AM

I am totally confused about my TU score. I pulled my last SO report in April 08 for TU. Said it was 793. Up from 781 in June of 07. I was thinking of getting a HELO and they ran a credit report. Decided not to get the loan but yesterday I got a letter from Bank of America with my TU score. They said it was 848. I've never run a report from the other 2 bureaus. Does that seem like a typo.
(15,823 Views)
 
Established Member
shelby127
Posts: 19
Registered: ‎01-08-2008
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-11-2008 12:45 PM

You guys are such an inspiration.  I too hope to one day have a nice long history with no lates and belong to the 800 club.  As of right now, TU - 761 EQ - 770 EX 767 with 6 years of history - however, that probably won't last too long since I still have a mortgage and a few new credit cards to report.
(15,807 Views)
 
Moderator Emeritus
psychic
Posts: 1,518
Registered: ‎04-20-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

‎06-11-2008 01:06 PM


KerryLBerryJ wrote:
I am totally confused about my TU score. I pulled my last SO report in April 08 for TU. Said it was 793. Up from 781 in June of 07. I was thinking of getting a HELO and they ran a credit report. Decided not to get the loan but yesterday I got a letter from Bank of America with my TU score. They said it was 848. I've never run a report from the other 2 bureaus. Does that seem like a typo.
Did Bank of America mention a FICO score range in their letter?  For example, did they state that FICO scores range from 300-850, or 250-900?
EQ 814 / TU 815 / EX 842
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