topic Re: Finally... 850 FICO score! in Understanding FICO® Scoring

Finally... 850 FICO score!

JagerBombs89 — Fri, 20 Nov 2020 18:45:26 GMT

It's been a long journey (still got one more year on Experian), but I've finally reached the peak. I just had to share it with someone - 850 on Equifax and it's my first 850 ever! For those who'd like to see my credit profile, it's been documented here: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/From-800-to-Foreclosur-e-How-Negatives-Affect-Your-Score/td-p/3760423

Re: Finally... 850 FICO score!

AllZero — Fri, 20 Nov 2020 19:07:42 GMT

Congratulations on your success! That is an amazing journey. Thank you for sharing your story.

Re: Finally... 850 FICO score!

M_Smart007 — Fri, 20 Nov 2020 19:31:48 GMT

Rockin the scores .. Congratulations!

Re: Finally... 850 FICO score!

1GaDawg85 — Fri, 20 Nov 2020 19:35:28 GMT

love seeing those awesome scores!

Re: Finally... 850 FICO score!

Curious_George2 — Fri, 20 Nov 2020 19:36:18 GMT

Epic journey. Congratulations!

Re: Finally... 850 FICO score!

Anonymous — Sat, 21 Nov 2020 05:52:20 GMT

What's holding that 3rd score back 100+ points? I'm assuming you've got a major negative item on that report that wasn't reported or came off the other 2 already?

Re: Finally... 850 FICO score!

805orbust — Sat, 21 Nov 2020 11:33:26 GMT

Sick. I have read your thread and this is a fine end result. What a great journey!

Re: Finally... 850 FICO score!

JagerBombs89 — Sun, 22 Nov 2020 09:05:39 GMT

Thanks everyone!

@Anonymous wrote:
What's holding that 3rd score back 100+ points? I'm assuming you've got a major negative item on that report that wasn't reported or came off the other 2 already?

Foreclosure, which is scheduled to be removed from EX in 11 months. I submitted a request to TU and EQ, and both removed the foreclosure just over a year ago (2 years early).

Re: Finally... 850 FICO score!

Anonymous — Mon, 23 Nov 2020 04:54:05 GMT

I'm assuming you sent the request to EX as well and just had no luck?

Re: Finally... 850 FICO score!

JagerBombs89 — Mon, 23 Nov 2020 17:07:09 GMT

@Anonymous wrote:
I'm assuming you sent the request to EX as well and just had no luck?

Precisely. And IIRC, I used "creditor agreed to delete account" on TU and "account too old to report" on EQ & EX. Experian was the only one who didn't delete.

So, if you want to add my data point to your 850 thread from 2019: my AoOA is 13 years, 1 month and AAoA is 8 years (rounded down).

Re: Finally... 850 FICO score!

Anonymous — Tue, 24 Nov 2020 02:21:09 GMT

I actually forgot about that thread. Thanks for reminding me, I'll have to go back and read through it.