topic Re: 800....Finally!! in Understanding FICO® Scoring

800....Finally!!

joeyv1985 — Sun, 13 Sep 2020 18:21:25 GMT

My 3B reported and I didn't get the score I wanted, however I was able to bag a handful of 800 Scores. This is a first for me.

TU Auto 8: 800

EQ Auto 9: 806

TU Auto 9: 815

TU Bankcard 8: 800

EQ Bankcard 9: 800

TU Bankcard 9: 806

Re: 800....Finally!!

AllZero — Sun, 13 Sep 2020 18:25:33 GMT

Congratulations on your success!

Re: 800....Finally!!

joeyv1985 — Sun, 13 Sep 2020 18:30:29 GMT

Thank you. I'm a little perplexed on why my Wells Fargo Auto loan hasn't responded yet. I paid almost $10K in principle from $15.5K($20.4 Original back in 11/19), and the last report was back in July. A lag IMHO.

Re: 800....Finally!!

Trudy — Sun, 13 Sep 2020 19:16:40 GMT

Congrats!

Re: 800....Finally!!

joeyv1985 — Sun, 13 Sep 2020 19:21:31 GMT

Thank you Trudy.

Re: 800....Finally!!

Mr_Mojo_Risin — Sun, 13 Sep 2020 19:44:18 GMT

Thats gotta be a great feeling!! i hope to be there one day also.

Congrats to you!!

Re: 800....Finally!!

Anonymous — Sun, 13 Sep 2020 19:50:39 GMT

@joeyv1985 wrote:
My 3B reported and I didn't get the score I wanted, however I was able to bag a handful of 800 Scores. This is a first for me.
TU Auto 8: 800
EQ Auto 9: 806
TU Auto 9: 815
TU Bankcard 8: 800
EQ Bankcard 9: 800
TU Bankcard 9: 806

Congratulations!! Reward yourself with a desert with at least 800 calories

Re: 800....Finally!!

joeyv1985 — Sun, 13 Sep 2020 19:53:14 GMT

Thank you Bowiefan. A year ago, my scores were in the 620-640 range, depending on which report. It dipped to 570-630 in December 2019. A baddy dropped off, then my score jumped to the High 600's Low 700's. If keep your spending in check, track your scores and just practice personal "Financial" discipline, everything will fall into place. It takes time.

Re: 800....Finally!!

joeyv1985 — Sun, 13 Sep 2020 19:54:40 GMT

@Anonymous wrote:
@joeyv1985 wrote:
My 3B reported and I didn't get the score I wanted, however I was able to bag a handful of 800 Scores. This is a first for me.
TU Auto 8: 800
EQ Auto 9: 806
TU Auto 9: 815
TU Bankcard 8: 800
EQ Bankcard 9: 800
TU Bankcard 9: 806

Congratulations!! Reward yourself with a desert with at least 800 calories

Ha!! I just might. That or an 800 calorie burrito.

Re: 800....Finally!!

MudkipsRKooL — Sun, 20 Sep 2020 21:22:26 GMT

what score did you start being serious about getting 800 and how long did it take you from a score of 700? or how long did it take from say 750? Also congrats!

Re: 800....Finally!!

jrands — Wed, 23 Sep 2020 05:14:04 GMT

Nice!!!

Re: 800....Finally!!

joeyv1985 — Wed, 23 Sep 2020 16:06:43 GMT

@MudkipsRKooL wrote:
what score did you start being serious about getting 800 and how long did it take you from a score of 700? or how long did it take from say 750? Also congrats!

Sorry for the late response @MudkipsRKooL and thank you. I hit a wall back in 2008 due to medical bills and a decrease in income. Hitting 800 was always a goal, however I really didn't keep track of my scores until 3 years ago. Paid cash for everything. It wasn't until 3 years ago that I realize that my last installment loan was back in 1992, so I took out a car loan 3 years ago a mortgage back in April of 2019. Once those started reporting, it's been a steady climb since. My score was about in the low 600's in Q1 of last year, dipped to 570-620 in November 2019, then a baddy dropped off. That bumped my score up to 690-705. From there, I closed my 2nd tier CC's and opened up a Citi DC, Citi AAD and a CSP in Q1 2020. Scores dropped a little, but I crossed the 750 threshold in April of this year.