topic Re: In The 800 Club ! in Credit Cards

In The 800 Club !

thom02099 — Sun, 24 Feb 2013 16:24:57 GMT

WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.

Re: In The 800 Club !

_jb_ — Sun, 24 Feb 2013 16:28:45 GMT

That's fantastic! I know that must be a great feeling. I'd love to get to that point, where I know I can take a couple of hard inquiries and still qualify for the best rates.

Re: In The 800 Club !

dodgerslv — Sun, 24 Feb 2013 16:29:21 GMT

@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.

A BIG Congrats!!! hope to be there someday!

Re: In The 800 Club !

Gunnar419 — Sun, 24 Feb 2013 16:30:35 GMT

Good on you! I'll bet you feel like a celebrity.

After many years in the low-mid 700s club, I'm aiming for the 800 club, too. But it feels a long way off. I know how everything slooooooows down once you get in the 700s.

Re: In The 800 Club !

hardworkrebuilding — Sun, 24 Feb 2013 16:32:34 GMT

Congrats!

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 16:35:28 GMT

I owe a debt (pun intended) of gratitude to this board for the information that's been provided over the years. I NEVER would have accomplished this without the knowledge that I gained from the input of others here. I lurked for a number of years before I actually joined and participated, and it wasn't that long ago that I was in the upper 500s/low 600s. I can recall, with the purchase of my first house, the struggle to get my score to 620 in order to qualify for a fairly decent mortgage.

For those of us still on this wonderful/perplexing/curious/frightening/choose your adjective journey, I say...HANG IN THERE! Keep the faith that things will get better and read, read...READ everything you can here ! ! !

Re: In The 800 Club !

android01 — Sun, 24 Feb 2013 16:35:55 GMT

@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.

Congrats! What CU do you belong to that gives quarterly EX FICO scores?

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 16:38:49 GMT

@android01 wrote:
@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.
Congrats! What CU do you belong to that gives quarterly EX FICO scores?

Local/Regional to Colorado. Public Service Credit Union.

Re: In The 800 Club !

Anonymous — Sun, 24 Feb 2013 19:32:08 GMT

Have you received your new card yet? and does it say Visa Signature??? I also got approved last week but online it's just showing platinum plus!!

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 20:17:17 GMT

@Anonymous wrote:
Have you received your new card yet? and does it say Visa Signature??? I also got approved last week but online it's just showing platinum plus!!

Yup, it does! Merrill + in the upper right, Visa Signature in lower right. It's a mighty handsome card to boot!

If you applied for the Merrill Lynch Platinum Plus, the only card (Merrill +) they offer is a signature Visa. So when you get it, that's what the card should say! There's also the Total Merrill card, which is silver with the silver bull (also a striking card!), and it's also a signature Visa.

On line, mine also just says Platinum Plus. Come to think of it, none of my cards on line show Visa signature, if they are in fact signature cards. JP Morgan Select card is signature, along with CSP, and they don't have that moniker on line.

Re: In The 800 Club !

Anonymous — Sun, 24 Feb 2013 20:24:25 GMT

Awesome!!! Are you thinking to convert this card to Accolade later on ?

Re: In The 800 Club !

09Lexie — Sun, 24 Feb 2013 20:31:14 GMT

congrats!

Re: In The 800 Club !

LS2982 — Sun, 24 Feb 2013 20:35:58 GMT

@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.

Which CU is this?? AFAIK PSECU only offers that monthly.

EDIT: Seen your reply to android

Does it actually say EX FICO on it?? THis is the first i've heard of it.

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 20:40:21 GMT

@Anonymous wrote:
Awesome!!! Are you thinking to convert this card to Accolade later on ?
I

I wish! ML has sent me everything BUT the Accolades card LOL! Part in error. Yeah I'd take the Accolades in a New York Minute if I could justify the AF!

Re: In The 800 Club !

Anonymous — Sun, 24 Feb 2013 20:44:44 GMT

I haven't received my Merrill+ card yet but it's already reporting to Credit bureaues and also reporting Credit Limit. Isn't this interesting!!! I read on these forums that BOA doesn't report CL for its Signature cards.. But Apparently it's reporting mine!!! What about card is it reporting CL?

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 20:56:38 GMT

@LS2982 wrote:
@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.
Which CU is this?? AFAIK PSECU only offers that monthly.

EDIT: Seen your reply to android

Does it actually say EX FICO on it?? THis is the first i've heard of it.

It does not say EX FICO when I log in to my account and check, but my credit union personal banker told me what they post on member accounts quarterly is a true EX FICO. Last time I was in and had him pull it for a refi on my daughter's car loan, he showed me that it was a FICO score. That's all they pull, FICO EX. They don't use any other credit bureaus but EX, and it's the lender FICO score, not the auto-enhanced EX FICO, which they don't use.

All of the other scores, my new ones, were FICO scores. I double checked the EQ FICO I got a while back and it does say FICO, and has the FICO score range.

Public Service Credit Union is found along the Front Range of the Rockies, from Colorado Springs to Fort Collins, CO. They have over 190 locations and branches, and are tied in with the national Credit Union Service Centers, with access nationwide at over 4900 locations. They are also a member of the CO-OP network of ATM's nationwide and worldwide. https://www.pscu.org for more information.

Re: In The 800 Club !

thom02099 — Sun, 24 Feb 2013 20:59:39 GMT

@Anonymous wrote:
I haven't received my Merrill+ card yet but it's already reporting to Credit bureaues and also reporting Credit Limit. Isn't this interesting!!! I read on these forums that BOA doesn't report CL for its Signature cards.. But Apparently it's reporting mine!!! What about card is it reporting CL?

Yup, it was on my credit report very quickly! My Merrill Plus card as well as my BofA cash rewards card are both signature VISA but they also both show the credit limit on my reports, and the notation of flexible spending card as well as high balance. So for me, they show everything!

Re: In The 800 Club !

Anonymous — Sun, 24 Feb 2013 22:24:29 GMT

Nice!! Congratulations!!

Re: In The 800 Club !

LS2982 — Sun, 24 Feb 2013 22:27:15 GMT

@thom02099 wrote:
@LS2982 wrote:
@thom02099 wrote:
WOW! Did I get good news!

Was talking to a Merrill Lynch CSR/Concierge Service about an inquiry for travel, we got to talking about my recent approval for the Merrill Platinum Plus card and in the course of the conversation, it was mentioned my high score. So I asked what it was, and he said my FICO TU was 813!! That's the highest EVER for me! My TU here is at 779 which I've been pleased with. So this must be the differrence between the older version of TU (TU98?) and the more recent TU (TU04?) Whatever, I'll take it! Couple that with the EQ score (presumably Beacon 9.0) of 803 that I got not too long ago and I'm a happy camper. And this in spite of some new accounts prior to February and the inquiries generated. I was actually a bit surprised that BofA pulled TU, they've pulled EX in the past, with a few TU thrown in but nothing consistent. Now, if only I could get an up-to-date EX! My credit union does provide true FICO EX, but only quarterly and the last report was in December. Guess I'll have to wait til the first of April to get the EX score.
Which CU is this?? AFAIK PSECU only offers that monthly.

EDIT: Seen your reply to android

Does it actually say EX FICO on it?? THis is the first i've heard of it.

It does not say EX FICO when I log in to my account and check, but my credit union personal banker told me what they post on member accounts quarterly is a true EX FICO. Last time I was in and had him pull it for a refi on my daughter's car loan, he showed me that it was a FICO score. That's all they pull, FICO EX. They don't use any other credit bureaus but EX, and it's the lender FICO score, not the auto-enhanced EX FICO, which they don't use.
All of the other scores, my new ones, were FICO scores. I double checked the EQ FICO I got a while back and it does say FICO, and has the FICO score range.

Public Service Credit Union is found along the Front Range of the Rockies, from Colorado Springs to Fort Collins, CO. They have over 190 locations and branches, and are tied in with the national Credit Union Service Centers, with access nationwide at over 4900 locations. They are also a member of the CO-OP network of ATM's nationwide and worldwide. https://www.pscu.org for more information.

Well we can another to the short list of EX FICO suppliers out there!!

Awesome!

Re: In The 800 Club !

Anonymous — Sun, 24 Feb 2013 22:40:50 GMT

That's an amazing score! Congratulations!!!