topic My first 800s on Equifax Fico 9s in Understanding FICO® Scoring

My first 800s on Equifax Fico 9s

omgitsMatt — Sun, 08 Mar 2020 08:19:31 GMT

I noticed my first 800 inadvertently while checking my updated Navy score a few days ago. That motivated me to take a look and buy a 3b report.

Here's what I found,

Equifax Fico Auto Score 9: 816
Equifax Fico Bankcard Score 9: 809
Equifax Fico Score 9: 800

The rest of my 25 scores from all the other models between Eq, Ex or TU range from
686 to 776, averaging around 750 give or take 10 pts. Nothing abnormal, just the three 800s seem to stand out.

Utilization: 1%
AAoA: 8 Months
AoOA: 1yr 5 Months
AoYA: 1 Month
Hard Pulls: 7

AU Accounts:

KeyBank, 7.5k
6yrs 10 months old
$48/7,500

Revolvers:

Discover, 1k
3 months old
$688/1,000

USAA, 2k
1 month old
$0/2,000

Navy Fed, 2k
10 months old
$0/2,000

CSEFCU, 15k
10 months old
$0/15,000

Cap1, 3k
3 momths old
$0/3,000

Cap1, 600
1yr 5 months old
$0/600

Amex, 4k
3 months old
$0/4,000

Navy Fed, 18k
3 months old
$0/18,000

Navy Fed Cloc, 3k
3 months old
$0/3,000

Installment Loans:

CSEFCU Auto Loan
11 months old
$15,489/18,047

Navy Fed SSL
11 months old
$240/3,001

Re: My first 800s on Equifax Fico 9s

omgitsMatt — Sun, 08 Mar 2020 08:21:37 GMT

I just thought that was really interesting. The only explanation for it I can imagine is the AU.

Even still, I look at all the new accounts and HPs and think "sub 700s".

I'll take it tho lol

Re: My first 800s on Equifax Fico 9s

donkort — Sun, 08 Mar 2020 12:47:50 GMT

You have only one high-utilization card. No baddies. A wide variety of accounts. Your loan utilization is going down. Why not at least 700s? Scores recover fast after initial dings caused by inquiries and new accounts if accompanied by a few months of on-time payments.

Congrats! I'm a recent member of the 800 club myself.

Re: My first 800s on Equifax Fico 9s

Anonymous — Sun, 08 Mar 2020 12:45:13 GMT

Congratulations! 👍

Re: My first 800s on Equifax Fico 9s

seattletravels — Sun, 08 Mar 2020 16:32:19 GMT

Congrats!

Re: My first 800s on Equifax Fico 9s

AllZero — Sun, 08 Mar 2020 16:48:53 GMT

Congratulations on your success!

Re: My first 800s on Equifax Fico 9s

Trudy — Sun, 08 Mar 2020 17:44:45 GMT

Congratulations! Take it and run....

Re: My first 800s on Equifax Fico 9s

Dreams_Come_True — Sun, 08 Mar 2020 18:28:07 GMT

Congrats!

Re: My first 800s on Equifax Fico 9s

Anonymous — Sun, 08 Mar 2020 20:07:43 GMT

Congratulations that’s great!