Almost at 800, after 3 years!

[Anonymous]

3 years ago I decided to get a credit card to begin building my score. I had no prior history. My parents thought it was a bad idea.

Today, my fico 8 experian score is 794! That's almost over the 800 mark!!

I just had to share. I did it all while living in a vehicle on very low income. This score is a personal proof to myself that I'm responsible, even when people think I don't have my life together.

Just had to share!

Thanks FicoForums for all your awesome info, I wouldn't be doing nearly this well if I hadn't read all the great threads here on how to do it.

[Anonymous]

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@Anonymous wrote:

3 years ago I decided to get a credit card to begin building my score. I had no prior history. My parents thought it was a bad idea.

Today, my fico 8 experian score is 794! That's almost over the 800 mark!!

I just had to share. I did it all while living in a vehicle on very low income. This score is a personal proof to myself that I'm responsible, even when people think I don't have my life together.

Just had to share!

Thanks FicoForums for all your awesome info, I wouldn't be doing nearly this well if I hadn't read all the great threads here on how to do it.

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Pretty impressive...Congrats on your journey...I know I will get there one of these days. Thanks for sharing this!

[AverageJoesCredit]

Thats great Batsy! Very inspiring, wish you the best

[stellar]

Good for you Batsy!  You're clearly a very strong and smart person!  Kudos!

[Anonymous]

Thanks everyone!!

[Adidas]

Congrats! Would you mind posting your AAoA, oldest account age, newest account age, etc. I'm curious what it takes to reach that level!

[Anonymous]

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@Adidas wrote:

Congrats! Would you mind posting your AAoA, oldest account age, newest account age, etc. I'm curious what it takes to reach that level!

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Sure!

AAoA is 1 Year, 5 months.

Account ages are as follows:

• BECU credit card - 3 years. CL is $750 by my initial request (they told me to name a number and I had no idea what to say!). Got a rewards card with them with zero credit history, possibly because I had a lifelong relationship with them.
• REI card through US Bank - 1 Year, 8 months, 1k CL
• AmEx BCE card - 1 Year 4 months, 15K limit (!!!)
• Alliant Credit Union share secured loan - 1 year
• Chase Freedom Unlimited - 4 months, $3,500 CL

I saw the biggest change happen soon after I added the Alliant loan and it had aged a few months. Then after I got the recent Chase FU, my score has been going up higher than ever the past 2 months consecutively.

My plan is to try to get just 1 credit card per year from here on out for a while. Since I'm currently not allowed to save (stupid government regulations) the 0% interest-free period serves as my safety net for emergencies instead of savings. I typically time the new card bonuses along with paying a year's worth of car insurance at a time, for the discount and to hit the bonus without spending more than I normally do.

So far I've managed to avoid app sprees, though I've been awfully tempted.

Hope that helps!

[elim]

That is so awesome!  "My parents thought it was a bad idea." lol, I bet it was nice to prove them wrong this time... and you have.  Are your scores better than theirs now?

I can only wish I had a place like this when I got my first card. A charged off $300 cap1 back in the day  

[Adidas]

Thanks! Inspirational for others with thin files!