Broke into the 800 club!

[Anonymous]

I'm currently deployed so I figured I'd use the time to pay off some debt and watch my scores climb.  Earlier this week I finally broke into the 800 club on EQ & TU for FICO 8s! (EX should be soon, think it's just slow at updating and I have some inquiries that fall off this month) Some of my current scores are:

FICO 8

EQ - 818 (10/13)

TU - 801 (10/16)

EX - 780 (10/8)

Fico Auto 8 (All 10/8)

EQ - 818

TU - 801

EX - 800

Fico Bankcard 8 (All 10/8)

EQ - 819

TU - 820

EX - 802

I'm planning on purchasing a new vehicle once I get home from this deployment so I'm glad I decided to pay off some debt and get my scores up above 800.  I also plan on getting the Chase Sapphire Reserve (currently have the Freedom and Preferred), just have to decide what is the best way of going about that. Anyways, I have to say it's very nice to see those scores up above 800!  Thanks to the forums for all the good and useful info!

[Zolomon]

I'd go for both the Reserve and Amex Platinum, and any other premium card that waives their annual fee for your active status. Thank you for your service. Oorah.

[blindambition]

Congrats! Thank you for your service. ☺️

[Anonymous]

Congrats on your 800 scores.

I'm quite sure that Chase doesn't allow you to hold both the Sapphire Preferred and Reserve at the same time.  There is a loophole that some people exploit to apply for both at the same time; but since you already have the CSP you wouldn't be able to obtain the CSR unless you either product change it to the CSR, or downgrade it to a Freedom card then apply for the CSR.

[Anonymous]

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@Zolomon wrote:

I'd go for both the Reserve and Amex Platinum, and any other premium card that waives their annual fee for your active status. Thank you for your service. Oorah.

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Yeah, I thought about getting the Amex Platinum as well.  You make a good point! Guess I may as well take all the inquiry hits at once. 

[Anonymous]

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@Anonymous wrote:

Congrats on your 800 scores.

I'm quite sure that Chase doesn't allow you to hold both the Sapphire Preferred and Reserve at the same time.  There is a loophole that some people exploit to apply for both at the same time; but since you already have the CSP you wouldn't be able to obtain the CSR unless you either product change it to the CSR, or downgrade it to a Freedom card then apply for the CSR.

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Thanks!

Yes, you are correct.  You can only hold the Reserve or Preferred at once, not both.  I was more talking since I think you can only get the SUB once every 24 months (or is it 48 months now?) and the card is only a year old that I may just PC to the CSR.  Then again, it might be nice to have the Trifecta as well.  That's what I meant about how to go about it.

[Thomas_Thumb]

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@Anonymous wrote:

I'm currently deployed so I figured I'd use the time to pay off some debt and watch my scores climb.  Earlier this week I finally broke into the 800 club on EQ & TU for FICO 8s! (EX should be soon, think it's just slow at updating and I have some inquiries that fall off this month) Some of my current scores are:

FICO 8

EQ - 818 (10/13)

TU - 801 (10/16)

EX - 780 (10/8)

Fico Auto 8 (All 10/8)

EQ - 818

TU - 801

EX - 800

Fico Bankcard 8 (All 10/8)

EQ - 819

TU - 820

EX - 802

I'm planning on purchasing a new vehicle once I get home from this deployment so I'm glad I decided to pay off some debt and get my scores up above 800.  I also plan on getting the Chase Sapphire Reserve (currently have the Freedom and Preferred), just have to decide what is the best way of going about that. Anyways, I have to say it's very nice to see those scores up above 800!  Thanks to the forums for all the good and useful info!

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Can you provide some specifics on your profile such as: Age of youngest account, average age of accounts, age of oldest account, open loan status and both revolving and installment aggregate utilization ratios? I suspect you may have an open loan of some type. The difference between your TU Auto and TU Bankcard is a curiousity given your EX Auto/Bankcard  and EQ Auto/Bankcard scores.

Do you get any negative reason statements?

[19eighty5]

Congratulations!

[Anonymous]

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@Thomas_Thumb wrote:

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@Anonymous wrote:

I'm currently deployed so I figured I'd use the time to pay off some debt and watch my scores climb.  Earlier this week I finally broke into the 800 club on EQ & TU for FICO 8s! (EX should be soon, think it's just slow at updating and I have some inquiries that fall off this month) Some of my current scores are:

FICO 8

EQ - 818 (10/13)

TU - 801 (10/16)

EX - 780 (10/8)

Fico Auto 8 (All 10/8)

EQ - 818

TU - 801

EX - 800

Fico Bankcard 8 (All 10/8)

EQ - 819

TU - 820

EX - 802

I'm planning on purchasing a new vehicle once I get home from this deployment so I'm glad I decided to pay off some debt and get my scores up above 800.  I also plan on getting the Chase Sapphire Reserve (currently have the Freedom and Preferred), just have to decide what is the best way of going about that. Anyways, I have to say it's very nice to see those scores up above 800!  Thanks to the forums for all the good and useful info!

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Can you provide some specifics on your profile such as: Age of youngest account, average age of accounts, age of oldest account, open loan status and both revolving and installment aggregate utilization ratios? I suspect you may have an open loan of some type. The difference between your TU Auto and TU Bankcard is a curiousity given your EX Auto/Bankcard  and EQ Auto/Bankcard scores.

Do you get any negative reason statements?

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Age of youngest account: 10mos

Age of oldest account: 12 years

AAoA: 3 years, 3 mos

Open Loans: 1 car (17%) , 1 personal (84%) and 1 mortgage (92%) - All as of last FICO report 10/8

Credit Card Util: 14% as of last monthly FICO report 9% as of today according to CK.

Inq: EQ - 2 TU: 2 EX: 2 (All fall off this month except for 1 on EX which is December)

Zero missed/late payments and zero negative comments on report

Hope that is what you were looking for!

[Thomas_Thumb]

Thanks.

You should realize a score boost when your AoYA reaches 12 months - perhaps 15 points plus another 5 points for INQ age off. Of course you will lose the boost once you get a new loan and your AoYA drops to zero months. If you were to get a new loan now likely no score drop except potentially for the inquiry (5 points).

You certainly could have an 820 to 825 score by the time you return if no new credit and no missed payments.