topic Re: 900 Club... in Understanding FICO® Scoring

900 Club...

Trudy — Tue, 02 Feb 2021 05:23:34 GMT

I know other's have reached 900 on the industry scores but was unable to find a "900 Club" thread. It was just a bit weird to see it today when I pulled my scores. I think EQ loves me

Re: 900 Club...

Girlzilla88 — Mon, 09 Mar 2020 16:11:41 GMT

Sweet lol

Re: 900 Club...

donkort — Mon, 09 Mar 2020 16:37:36 GMT

I have an 865 (EX Auto 2) and an 856 (EX Bankcard 2). That's the closest I've come.

Re: 900 Club...

Trudy — Mon, 09 Mar 2020 16:43:06 GMT

@donkort wrote:
I have an 865 (EX Auto 2) and an 856 (EX Bankcard 2). That's the closest I've come.

Those are great scores, particular for that older model. I've been hovering in th upper 880's and 890's for EQ for a while. Assumed it could happen but seeing that number was truly weird

Re: 900 Club...

coreysw12 — Mon, 09 Mar 2020 17:12:28 GMT

Time to go car shopping

Re: 900 Club...

M_Smart007 — Mon, 09 Mar 2020 19:05:27 GMT

Congrats OP!

Re: 900 Club...

AllZero — Mon, 09 Mar 2020 19:12:54 GMT

Congratulations on your success!

Re: 900 Club...

coreysw12 — Mon, 09 Mar 2020 19:14:42 GMT

My Fico Auto 8 & 9 scores have always been my best scores, usually 50-100 points higher than my other FICO scores. I think because it's weighted for auto loans, they heavily factor in prior auto loan histories. Despite my awful credit I had from 2016-2019, I always have made my car payments on time, and have 4 auto loans on my report (2 closed, 2 open), and I think that's why my Auto scores are so much higher than the rest of my scores.

No joke, my EQ Mortgage score is 617, my EQ vantagescore (I know...) is 577. By contrast, my EQ Auto 8 score is 711.

Re: 900 Club...

donkort — Mon, 09 Mar 2020 19:21:23 GMT

Should have congratulated Trudy----Trudy Truly deserves her accolades!

I have high auto scores because I paid off in full two leases in a row, and am now 2/3's through my present lease.

Ironically, when my FICOs were in 660s-680s, my auto scores were in the 630s-640s---but my mortgage scores were 700-plus.

Re: 900 Club...

Trudy — Mon, 09 Mar 2020 19:45:42 GMT

@donkort wrote:
Should have congratulated Trudy----Trudy Truly deserves her accolades!

I have high auto scores because I paid off in full two leases in a row, and am now 2/3's through my present lease.

Ironically, when my FICOs were in 660s-680s, my auto scores were in the 630s-640s---but my mortgage scores were 700-plus.

Aw shucks. Truth be told, who needs a 900. Just a pretty number I've never seen..on my file

Re: 900 Club...

Thomas_Thumb — Tue, 02 Feb 2021 05:24:33 GMT

@Trudy wrote:
I know other's have reached 900 on the industry scores but was unable to find a "900 Club" thread. It was just a bit weird to see it today when I pulled my scores. I think EQ loves me

Congratulations.

Equifax has been my Nemesis. Got my 1st double Fico 8 900 on the Bankcard version back in 2015. Never able to get a 900 on EQ (topped out at 892).

Always stopped shy of 900 on Fico 8 Auto (topped out at 897 on TU and 899 on EX). - Because I have no auto loan history on file?

Re: 900 Club...

donkort — Mon, 09 Mar 2020 23:24:18 GMT

I wouldn't be surprised if that is the reason.

I have one fully paid car loan, 2 fully paid-up leases, and I'm 2/3's through my third lease----and my auto scores are still in the low-upper 800s.

Re: 900 Club...

Thomas_Thumb — Tue, 10 Mar 2020 01:22:26 GMT

For those interested -

Below is a link to tables showing model Min/Max scores and real world Min/Max scores for a variety of credit scoring models. Note: real world score limits represent what has been realized from all profiles run through each CRAs respective model. The limits listed come from the CRAs. However, there are a few instances where real world results have not been made available (at least to the general public).

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/m-p/4222362#M98991

Re: 900 Club...

donkort — Tue, 10 Mar 2020 01:39:08 GMT

Thank you.

Re: 900 Club...

seattletravels — Tue, 10 Mar 2020 01:58:57 GMT

🤩🤩🤩 congrats!

Re: 900 Club...

Trudy — Tue, 10 Mar 2020 02:46:32 GMT

Welcome back TT. Missed your input.

Re: 900 Club...

Thomas_Thumb — Tue, 10 Mar 2020 02:59:10 GMT

Thanks -

The forums help keep my mind off the stock markets .

Re: 900 Club...

Dreams_Come_True — Tue, 10 Mar 2020 03:34:44 GMT

Congratulations on your achievement!

Re: 900 Club...

Thomas_Thumb — Tue, 17 Mar 2020 23:17:57 GMT

@EW800Reported 3 Fico 8 Industry enhanced 900 scores last March. The late, which fell off before the March data, was only on TU. It was the only derog EW800 had on file.

See pastes below

Re: 900 Club...

Trudy — Wed, 18 Mar 2020 01:00:18 GMT

@Thomas_Thumb wrote:
@EW800Reported 3 Fico 8 Industry enhanced 900 scores last March. The late, which fell off before the March data, was only on TU. It was the only derog EW800 had on file.

See pastes below

That's awesome! I know it's been done and probably by plenty of people including you and was surprised there was no 900 Club thread More surprised by seeing that number on my report.