Regular Contributor
nois
Posts: 121
Registered: ‎07-14-2009
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

TU 801

EQ 813

EX 825

 

Past Due Accounts - 0

History - 12 Years

Average Age of Accounts - 8 Years

Negative Accounts - 0

Revolving Account Balances - $72 (<1%)

Mortgages - 0

Installment Loans - $9,562

 

Accounts - 14

Active Accounts - 7

Accounts with Balances - 2

Accounts new in the past year - 1

Recent Inquries - 3

Collections - 0

Public Records - 0

 

 

I am almost to closing on 1st mortgage and am interested in seeing what effect it will have on scores.


FEB 2014 EQ: 798 EX: 780 TU: 798
New Contributor
TCarson
Posts: 68
Registered: ‎05-12-2007
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Just applied for a Re-Fi on my Mortgage and they sent me all three "True FICO's"

Interesting to me is they use the "Middle Score", even though the three CRA's use different scales.

 

From their full report:

 

Your Credit Score

Score: 797 Source: Equifax Date: 11/27/2012

Score: 788 Source: Experian Date: 11/27/2012  <--- Used as your Middle Score
Score: 784 Source: TransUnion Date: 11/27/2012

 

 

The range of scores

 

Equifax
Scores range from a low of 300 to a high of 850

 

Experian
Scores range from a low of 375 to a high of 900

 

TransUnion
Scores range from a low of 395 to a high of 848

 


Starting Score: 724
Current Score: 797 (EQ)
Goal Score: 800

New Contributor
ready13
Posts: 63
Registered: ‎08-07-2012
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list
That's funny most people leave housework for regular times like as in ( daytime) hours not midnight unless you see no difference ... Most do but must be Nice!:smileywink: cheers
New Contributor
ready13
Posts: 63
Registered: ‎08-07-2012
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list
I believe I may have posted this in the wrong place so I'm gonna apologize in advance since I'm unsure I can move or remove the post I made I am still figuring out how to use the mobile way of doing things apposed to the larger desktop :smileysad: trying ...
Contributor
LilyBee
Posts: 92
Registered: ‎01-23-2009
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

That is funny, Ready13.  Glad you 'explained.':smileyvery-happy:

 

I was about to ask  "what planet are you from"?  Or,  "who asked you about the price of apples"?:robotfrustrated::smileylol:

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever
Blogger
HiLine
Posts: 3,092
Registered: ‎10-19-2012
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

nois wrote:

TU 801

EQ 813

EX 825

 

Past Due Accounts - 0

History - 12 Years

Average Age of Accounts - 8 Years

Negative Accounts - 0

Revolving Account Balances - $72 (<1%)

Mortgages - 0

Installment Loans - $9,562

 

Accounts - 14

Active Accounts - 7

Accounts with Balances - 2

Accounts new in the past year - 1

Recent Inquries - 3

Collections - 0

Public Records - 0

 

 

I am almost to closing on 1st mortgage and am interested in seeing what effect it will have on scores.


Congratulations! 825 is about the highest score I've seen on this forum :catvery-happy:

 

Regular Contributor
nois
Posts: 121
Registered: ‎07-14-2009
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

HiLine wrote:

Congratulations! 825 is about the highest score I've seen on this forum :catvery-happy:

 


I was very surprised when the LO read the scores to me. I knew what EQ was and had an idea of TU.

 

I wonder what will happen when the mortgage is reported.


FEB 2014 EQ: 798 EX: 780 TU: 798
Contributor
LilyBee
Posts: 92
Registered: ‎01-23-2009
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Nois--You will hear the silent voice on the elevator saying, "Going down."  :smileyhappy:  Congratulations on your scores and your new house.  Stay the course.

 

My first EX score on MyFico was 825.  But, since then, I've purchased a house and a long-arm quilting machine.  I'm afraid to check it again. 

 

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever
Established Member
BikerMama
Posts: 20
Registered: ‎12-28-2012
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

"oldest account: FICO High Achievers opened their oldest account 19 years ago, on average.

average account age: Most FICO High Achievers have an average age of accounts between 6 and 12 years.

oldest revolving account: FICO High Achievers opened their first revolving account 19 years ago, on average. "

 

:0 whew! 19 yrs ago I was just a wee lass. I'm closing in on the 760 mark though :smileyhappy: oldest account is 7 years old




Starting Score: 747
Current Score: 797
Goal Score: 850


Take the myFICO Fitness Challenge

Contributor
LilyBee
Posts: 92
Registered: ‎01-23-2009
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Haven't been on this category for awhile.  Because of being competitive with myself, my scores have always been above 760, I think, ever since I've been monitoring.  TU, seemingly for no good reason, usually scores below the other two (EX & EQ).  The only TU 'negative' says I have too many credit cards.  But, FICO says cancelling them does not affect one's score much.  I have a mortgage and one outstanding revolving card, but I have never been late on anything.

Go figure.  It seems that TU just lowers my score to keep me on my toes.  Very annoying.  :smileymad::smileymad:

--------------------------------------------------------------------------------
Starting Score (1/1/07) - EQ: 813 -- TU: 804 -- EX 825

Current scores (8/15/14) - EQ - 847; TU-846; EX-841

Goal Score (12/31/14): Whatever