topic Re: I finally got there. in General Credit Topics

I finally got there.

MarineVietVet — Mon, 29 Mar 2010 21:51:15 GMT

I knew I was close and when I pulled my Equifax score today at myfico it was an even 800. It hasn't been that long ago I NEVER imagined my score would ever approach 800. If I can do it with my history anyone can do it.

From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800

You can do the same thing with hard work

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Re: I finally got there.

Anonymous — Mon, 29 Mar 2010 22:21:59 GMT

Beautiful!

I'm a-hangin' on your coat-tails

**frantically trying to find bowing smiley face**

Re: I finally got there.

MidnightVoice — Mon, 29 Mar 2010 22:27:01 GMT

Congrats!! Feels goos doesn't it?

Re: I finally got there.

MarineVietVet — Mon, 29 Mar 2010 22:36:24 GMT

@MidnightVoice wrote:
Congrats!! Feels goos doesn't it?

Yes it does but that 800 score won't pay any of my bills on it's own.

The journey continues.

Re: I finally got there.

smallfry — Mon, 29 Mar 2010 22:42:46 GMT

Congratulations Marine.

Re: I finally got there.

fused — Mon, 29 Mar 2010 22:48:05 GMT

@MarineVietVet wrote:

I knew I was close and when I pulled my Equifax score today at myfico it was an even 800. It hasn't been that long ago I NEVER imagined my score would ever approach 800. If I can do it with my history anyone can do it.

From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

Congrats!!!!!!!!!! Heck yeah!!!!!!!!!!!!!!

Re: I finally got there.

daisyduke — Tue, 30 Mar 2010 00:43:36 GMT

Congrats!!! I'm very happy for you!! Awesome

Re: I finally got there.

llecs — Tue, 30 Mar 2010 03:05:09 GMT

WTG!!

Re: I finally got there.

tray — Tue, 30 Mar 2010 03:14:47 GMT

Congratulations, I hope I get to where you are at one day.

Re: I finally got there.

Lel — Tue, 30 Mar 2010 17:35:17 GMT

Nice work!

Re: I finally got there.

MarineVietVet — Tue, 30 Mar 2010 17:47:48 GMT

@tray wrote:
Congratulations, I hope I get to where you are at one day.

As I said if someone as credit illiterate as I was for so many years can achieve this then all is possible. You and others have the advantage of tapping into the knowledge available here. My climb out of the debt doldrums was mostly crawling around in the dark.

Re: I finally got there.

Anonymous — Tue, 30 Mar 2010 20:30:58 GMT

Holy smokes! That's awesome!

Re: I finally got there.

LIGHTNIN — Tue, 30 Mar 2010 23:37:44 GMT

Thank you very much, for posting your message and inspiring others, that they can also

be a member of the "FICO High Achievers Club"(scores of 760 and above).

There is a sticky on the other board "Understanding FICO Scoring".....

Thread name..... "FICO High Achievers Club"(scores of 760 and above)characteristics.

Hey Marinevietvet....

You may want to post something, on the high achievers thread,to encourage

others that an 800FICO is also reachable .

Maybe myFICO needs to start another thread.....for those over 800.

Re: I finally got there.

Anonymous — Tue, 30 Mar 2010 23:53:27 GMT

LIGHTNIN wrote: Maybe myFICO needs to start another thread.....for those over 800.

I have thought that, too! Wouldn't it be fun to pick their brains and see what really constitutes different 800 scores? I think it would be SO interesting.

Re: I finally got there.

MarineVietVet — Wed, 31 Mar 2010 01:41:05 GMT

I can't really say what made it go from 760+ to 800. I think just continued aging is a big part of it although I have a new car loan from December that must have dropped my AAoA a little. I'm too lazy to run the numbers to verify that..

On the first page showing the FICO score ingredients it has:

Payment history Great

Amount of debt Very good

Length of credit history Very good

Amount of new credit Not good Must be that car loan

Under what's helping my FICO score:

No missed payments

Oldest account opened 21 years, 7 months ago

AAoA 6 years

Utilization 5%

Recent use of credit cards

It says I have too many accounts though (38). Oh well we can't be perfect. LOL

Re: I finally got there.

Anonymous — Wed, 31 Mar 2010 03:34:44 GMT

Wow, Marine! That makes it look achievable.

As for me, I might be able to reach 800 in about 20 years 7 months

Re: I finally got there.

LIGHTNIN — Wed, 31 Mar 2010 09:46:36 GMT

No missed payments

Oldest account opened 21 years, 7 months ago

AAoA 6 years

Utilization 5%

Recent use of credit cards

I think that says it all....no missed payments,low util and a good AAoA.

Hey marine.....What kind of car did you get?? just being nosey.

Re: I finally got there.

Itsmeagain — Wed, 31 Mar 2010 11:52:24 GMT

Add my kudos to the rest, marine. You have demonstrated that strength, patience and perseverance will reign victorious.

Semper Fi

Re: I finally got there.

BungalowMo — Wed, 31 Mar 2010 13:31:05 GMT

It doesn't happen often.....

But today........

I bow to the Master!!!

Congrats on a job well done!!!!!!

Re: I finally got there.

MarineVietVet — Wed, 31 Mar 2010 16:00:44 GMT

@LIGHTNIN wrote:
No missed payments
Oldest account opened 21 years, 7 months ago
AAoA 6 years
Utilization 5%
Recent use of credit cards

I think that says it all....no missed payments,low util and a good AAoA.

Hey marine.....What kind of car did you get?? just being nosey.

I guess I should have been more clear. It wasn't a NEW car loan. It was a new car LOAN. It was a 2000 Chevy S-10 for my son.