topic Re: I just hit 828 in Understanding FICO® Scoring

I just hit 828

Anonymous — Thu, 06 Dec 2018 15:11:25 GMT

Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

Re: I just hit 828

RonM21 — Thu, 06 Dec 2018 16:26:13 GMT

@Anonymous wrote:
Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

Welcome @Anonymous!! WIth those scores, amy be you could stick around and help give others like me pointers! Great job with your scores. I agree, there is valuable info on this site that is very helpful.

I don't know what I can tell you about how to stay at the level you are at, as I have never had my scores that high yet. I can't speak from experience. So, I would only say keep doing whatever got you there and try not to do too much that can cause any negative impact if you want to maintain those scores.

Re: I just hit 828

19eighty5 — Thu, 06 Dec 2018 16:43:11 GMT

Congratulations on achieving your current score and welcome to the MyFICO forums!

Re: I just hit 828

CramEiko — Thu, 06 Dec 2018 18:35:34 GMT

Welcome to myFico Forums.

Re: I just hit 828

Anonymous — Thu, 06 Dec 2018 20:17:13 GMT

RonM21 Pay them on time and not carry any balance. I will try to keep the hard pull 1 or less annually thanks!

Re: I just hit 828

Anonymous — Thu, 06 Dec 2018 20:25:02 GMT

@Anonymous wrote:
RonM21 Pay them on time and not carry any balance. I will try to keep the hard pull 1 or less annually thanks!

LOL I was just about to post the same answers to you for keeping the scores in 800s. Never pay late and app minimally is the key, carrying balance if needed or for 0% offers leading to higher UTI is ok as long it's temporary, as UTI has no memory

Re: I just hit 828

Imhotrodcrazy — Thu, 06 Dec 2018 22:43:53 GMT

Fantastic scores, just keep doing what you are doing and they will climb higher.

Re: I just hit 828

Anonymous — Thu, 06 Dec 2018 22:47:22 GMT

@Anonymous wrote:
Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

Lol, don't catch tuberculosis, congrats on those amazing scores!

Re: I just hit 828

Shadowfactor — Mon, 10 Dec 2018 15:49:26 GMT

Overall utilization under 8.9% and no new accounts will keep you at that score range.

WElcome to the fourms

Re: I just hit 828

Anonymous — Tue, 25 Dec 2018 15:50:19 GMT

841!

https://i.imgur.com/5rnmgrQ.png

Re: I just hit 828

Anonymous — Tue, 25 Dec 2018 16:55:09 GMT

@Anonymous wrote:
841!

https://i.imgur.com/5rnmgrQ.png

Congrats, but that may be due to rockstar updating the economy

Re: I just hit 828

Flex1 — Tue, 25 Dec 2018 18:38:30 GMT

@Anonymous wrote:
Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

Congrats! I'm expecting the to join the 800 club any day now! Very nice! Carry no or almost no balances and it will go up a bit more.