Joined the 800 CLUB!!

[Anonymous]

I’m proud to say that as a 20 year old student, starting my credit history 2 years ago as an 18 year old (with no prior authorized user accounts), I’m now part of the 800 club!

Transunion FICO 8 score shows 801! Thank you MyFICO forums for all the help with credit! I couldn't have gotten here without the help from all the knowledgeable individuals on this forum. 

[ChessChik47]

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@Anonymous wrote:
I’m proud to say that as a 20 year old student, starting my credit history 2 years ago as an 18 year old (with no prior authorized user accounts), I’m now part of the 800 club!

Transunion FICO 8 score shows 801!

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Congratulations!

[ScoreSizzle]

Pics or it didn't happen 

Congrats! 

[Anonymous]

Very good

[Anonymous]

It always good to see a data point out there where someone references an 800 score with 2 years of credit history and no AU accounts.  My next question for you would be to give us a bit more data surrounding your file...

• How any total accounts (open or closed) appear on your CR?
• In months, what's your AoOA?
• In months, what's your AAoA?
• In months, what's your AoYA?
• How many inquiries do you have in the last year on your TU file (since that's the score you referenced).
• How many total open revolvers do you have?  What's your individual/aggregate utilization on it/them?
• Do you have an open installment loan?  If so, what is its utilization... basically the current balance divided by it's original balance.

Answering the above bullet points will give us a really clear picture surrounding your file and what exactly is going into that 801 score.

[Anonymous]

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@ScoreSizzle wrote:

Pics or it didn't happen 

Congrats! 

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Couldn't attach a picture until I got to my laptop but here it is! 

[Anonymous]

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@Anonymous wrote:

It always good to see a data point out there where someone references an 800 score with 2 years of credit history and no AU accounts.  My next question for you would be to give us a bit more data surrounding your file...

• How any total accounts (open or closed) appear on your CR?
  • 6 open Accounts (not counting CSP I just applied for), no closed accounts
• In months, what's your AoOA?
  • Oldest = 31 months (yes it's a bit above 2 years, since I'm almost 21)
• In months, what's your AAoA?
  • Average = 22 months
• In months, what's your AoYA?
  • Youngest = 7 months
• How many inquiries do you have in the last year on your TU file (since that's the score you referenced).
  • 1 Inq, 1 just dropped last month
• How many total open revolvers do you have?  What's your individual/aggregate utilization on it/them?
  • 5 revolvers - Most are $0 utilization, I report 1-2 per month, indiviudal util varies 1-5% but overall util stays at 1% because of my aggregate limits
• Do you have an open installment loan?  If so, what is its utilization... basically the current balance divided by it's original balance.
  • Yes, 1 Auto Loan, 31% Util right now

Answering the above bullet points will give us a really clear picture surrounding your file and what exactly is going into that 801 score.

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[Anonymous]

Thanks for the info.  I'm quite surprised by your score considering the stats you provided.  You've got probably 10-15 points coming your way when the auto loan reports at < 8.9% and 15-20 points when your AoYA reaches 12 months.  That being said, if you were to add 25-35 points to your score, you'd be at 826-836, which at an AoOA of 31 months seems next to impossible.  With your recent app though, of course your AoYA will drop to 0 months making it another 12 months after that before those AoYA-related points could be had again... of course assuming you opened no other new accounts during that year.

[alvon123]

congrats!!! Keep up the good work!

[Anonymous]

Uh_oh_Wells it is a good feeling to see the 800s. In truth, it has been said that most doors are open in the mid 700s but, with the 800s it is a matter of feeling some form of accomplishment (or for me it was after all the years I spent bottom feeding). A big Congratulations!