topic Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above? in Understanding FICO® Scoring

Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Wed, 02 Apr 2008 09:59:13 GMT

I've noticed that some Forum members have improved their scores, and now have at least one FICO score of 760 or above. Others, have had 760+ scores longer. This is not a contest or competition to see who has the highest FICO scores. Rather, I'd like to see which Forum members are FICO High Achievers. Who has at least one FICO Score of 760 or above?

Message Edited by psychic on 04-02-2008 02:59 AM

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

MidnightVoice — Wed, 02 Apr 2008 14:54:35 GMT

EX hates me

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Wed, 02 Apr 2008 15:34:50 GMT

When I bought my car in January I ran my credit scores 2 out of the 3 were above 760 and one of them (I don't know which) was 752 I believe.

4 years ago I had over $12k in credit card debt and no available credit. I applied everywhere to get some credit and the last card I ever got was a Household Bank card with a $300 limit. I ran it up to $280 then realized I had a problem.

I am now Credit Card Debt Free for 1 year now and plan to stay that way. All I have now of course is my Auto Loan. I only use credit cards for major purchases (for the protection) then pay in full and that is only once in a blue moon.

Luckily I didn't know there was an option to pay late or not at all so I have no lates or any baddies on my report. Pure Luck I am sure!

Message Edited by 1111mel on 04-02-2008 08:34 AM

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Wed, 02 Apr 2008 16:33:10 GMT

Hello, I just started montioring my FICO, and have been lurking on this board for the past few weeks. Last year at this time, my scores were in the 680-700 range. Although I never had a late payment in my life, and few inquries, My utilization was almost at 100% Over the past year, I got VERY focused, I worked like a dog putting in 12 hour days, and have paid all of my cards......Just a 2900 balance remaining that will be gone when my tax refund check comes. As of today, scores are :EQ 781, EX 784, TU 734.

I'm so happy I'm educating myself about how this FICO scoring works. I always assumed all was well as long as the payments were made on time everymonth. WRONG!!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

MidnightVoice — Wed, 02 Apr 2008 17:25:48 GMT

Ishmael109 wrote:

I'm so happy I'm educating myself about how this FICO scoring works. I always assumed all was well as long as the payments were made on time everymonth. WRONG!!

That is why I call it playing the FICO Game.

And congrats!!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

marty56 — Thu, 03 Apr 2008 00:03:09 GMT

TU should also be above 760 by summer. I will pay my truck loan off in June but I hope to get a new car around the same time so we will see what happens.

Since I have a 120 day late from BofA that is under 3 years old I would stil qualify as FICO high achiever once removed.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 01:39:23 GMT

Good thread Psy,

I have been close monitoring this forum in hoping to one day reach 800. From my previous posts, my fico scores been from mid 650's to now 750-760 on TU,EX, and EQ. These changes reflect from only a month that I started to monitor my scores. Since 650's, a month ago, I have since removed 1 late payment, got my util to down to 14% with activities showing on 9 out of 16 c.c.'s, and finished my payment on a leased car. I took a 10 point loss on TU, 6 point loss on EX and 4 point loss on EQ for using a zero balance c.c. few weeks back.

Just wondering tho, if I got my util to 1-3%, what kind of increase I could see on my scores...

I did the simulator but the point increase doesn't seem to be accurate since it doesn't take in to consideration that I will have most of my c.c. reporting a zero balance except for 1 or 2 accounts so I can maximize my points.

I still have a c.c. from BofA that I opened up last September that shows as new account but I'm hoping that it will be removed from the negative factor to boost me up in few more points...

I just want to be safely over 760's to maximize my interest when I'm ready to buy my first house. But 800+ would be just dandy.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 03:12:25 GMT

I have one in the 760s and two on the cusp...I'm hoping to have all three within 30 days!! Stay tuned!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

BBYGRL — Thu, 03 Apr 2008 03:54:27 GMT

Although my scores have fluctuated due to a couple of new accounts reporting in the past two months my scores are currently:

TU - 797

EX - 778

EQ - 761

Message Edited by BBYGRL on 04-02-2008 08:54 PM

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

BBYGRL — Thu, 03 Apr 2008 03:55:24 GMT

Me toooooo........

MidnightVoice wrote:
EX hates me

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

KingAdrock — Thu, 03 Apr 2008 04:15:46 GMT

My EQ is 766. TU PFICO is 786.

I'll know EX and TU FICO in a week or two, when I buy all 3.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 14:07:46 GMT

Thank you everyone for your responses!!! You've all worked so hard to achieve your scores, and should feel very proud of yourselves.

Who else has at least one FICO score of 760 or above? Let's hear from some more of our Forums' FICO High Achievers!!!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 14:10:25 GMT

Can I check back in 6 months?

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 14:33:42 GMT

watchnerd wrote:
Can I check back in 6 months?

You might be back even sooner!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 16:26:38 GMT

I think one thing people lose track of is that it takes a lot of time to get a high score.

According to the FICO data, a High Achiever opened his/her first revolving account 19 years ago (and that's the average). Twenty years is a loooooooong time to build a credit history.

And you have to pay consistently on time. According to the same data, virtually none of the High Achievers have a 60 day late, and the very few of them with a single 30 day late got it at least 4 years ago. That means that the vast majority of them have never paid late. Ever.

The problem is that people are impatient. Seems a lot of people file BK and then wonder why they can't get a good mortgage 6 months later. A mortgage is usually a 30-year commitment. The bank needs to be comfortable that you're going to hold up your end of the bargain for that long.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Junejer — Thu, 03 Apr 2008 16:44:57 GMT

Psychic, I have recently fallen from the ranks as a FICO high achiever, due to not understanding how HSBC reports (my fault). So, my EQ went from 768 to 740 to 719 in 8 days (thanks for updating twice in one month EQ). I should join the ranks again (if EQ updates in Apr) as my reported uti was 5%.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 16:53:33 GMT

At least you know how to remedy the situation, and know that your score will recover!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 21:00:57 GMT

HI ! AM NEW TO THIS ALL..BUT WENT EXPERIAN FOR FREE REPORT...JUST PAID THE ADDITIONAL FEE FOR THE SCORE..IT IS NOT LIKE THE OLD SCORE, THIS ONE IS CALLED VANTAGE SCORE..IT GOES FROM 501-990. NUMBERS SEEM VERY ODD..BUT ANY WAY, THEY SAID MY SCORE IS 884 (?) IT SAYS I AM PRIME PLUS (?) BUT NOT SUPER PRIME. I THINK THAT SUPER PRIME IS "RARE"...lol. IS THIS THE NEW SCORES..VANTAGE? THANKS.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Junejer — Thu, 03 Apr 2008 23:15:39 GMT

Hi Mom478, welcome to the forum. Please read credit scoring 101 in the stickied threads. The scores that you have received from EX are FAKO scores. FICO scores range from 300-850 (EQ & EX) and from 336-843 (TU). You can get FICO scores from myfico.com and from transunioncs.com (notice the cs). Any other scores that you obtain on your own from any other website are what are affectionately known here as FAKOs.

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

Anonymous — Thu, 03 Apr 2008 23:23:57 GMT

psychic wrote:

Who else has at least one FICO score of 760 or above? Let's hear from some more of our Forums' FICO High Achievers!!!

psychic,

My current scores as of 4/2/08 are:

TU 788

EQ 787

EX 782

Sure home my new Home Depot card doesn't make these tank...

Sorry, I cannot type today.

Message Edited by Scout1965 on 04-03-2008 06:23 PM

Message Edited by Scout1965 on 04-03-2008 06:23 PM