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The day has finally come! Thank you all!

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Regular Contributor

The day has finally come! Thank you all!

Fellow MyFicoers....

 

The day has finally come. Some of you may consider this post incredibly selfish,or an attempt to brag (somewhat is), however, today is a great day for me. I was just alerted that I've now joined the 800 club! With only 3 credit cards summing $66,000 in total credit, and an AAoA of 2.7 years. My scores have gone up and down over the years, some getting to 799, only to drop down because I reported a 0 balance (happend recently). I want to thank everyone on this forum for all the advice that's been given to me to help achieve this milestone. I'm hoping that soon I'll be at 800+ across the board. I don't plan on applying for anything new anytime soon, so hopefully I will see a huge rise in score when my AAoA becomes higher. I realize that most people don't really need a 800+ score (myself included... I've already got everything I want/need financed), but it sure is nice to be able to say I have it anyway.  Thanks again everyone! And good luck to anyone else in the hunt for 800!

 

credit.JPG



EQ: 807 | TU: 823 | EX: 817
Message 1 of 14
13 REPLIES 13
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Super Contributor

Re: The day has finally come! Thank you all!

Fantastic work, keep it up!  Hopefully when a balance reports you'll see all 3B scores at > 800!

Message 2 of 14
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Frequent Contributor

Re: The day has finally come! Thank you all!

Congrats!  Nice work - I dont think I will be seeing the 800+ except by accident!


6/5/18 EQ-775, TU-778, EX-771
Last HP - 2/27/18 - Gardening as long as possible
Message 3 of 14
Regular Contributor

Re: The day has finally come! Thank you all!

This is great DomL, and thank you for sharing - I needed the detailed reminder. Keep up the diligence and the note-taking!

Message 4 of 14
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Established Contributor

Re: The day has finally come! Thank you all!

Looking good, congrats!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745
Message 5 of 14
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Established Contributor

Re: The day has finally come! Thank you all!

Congrats. 

 

I am also doing a slow climb in my scores after last years jump.  My scores peaked in the 770-780 range for FICO 8.  I then leased a car and got two more cards.  My scores dropped so much you would have thought I robbed a bank or at least had a few late payments.

 

I have been in the garden with no wish to app for anything except maybe to get get a mortgage.  My scores keep rising and I see no reason I can't join you and others in the 800 club.

 

I have all the cards I need.  I may ask for some CLIs for some cards.  I currently have a CL of $52,000.  It seems so paltry next to some but I will only need more if I buy a house.  I would want them high enough so I can make a large purchase and still be under 10% utilization.

 

Keep up the good work.  I hope your example shows others that they don't have to go app for more CCs crazy nor have a CL higher than our national debt.

 

Message 6 of 14
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Valued Contributor

Re: The day has finally come! Thank you all!

Congratulations,  this is a great accomplishment.  Hope to join the 800 club in a couple of years when our baddies age off. 

Message 7 of 14
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Frequent Contributor

Re: The day has finally come! Thank you all!

Nice work! Congrats OP
Message 8 of 14
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Regular Contributor

Re: The day has finally come! Thank you all!

Wow thats awesome looking, especially from someone who seems 569 on my Dashboard!!! LOL  Gives a vision for me to shoot for! Congrats!

3-10-17 EQ 584 / TU 587 / EX 566
4-13-17 EQ 663 / TU 679 / EX 669
5-10-17 EQ 664 / TU 672 / EX 657
6-10-17 EQ 660 / TU 676 / EX 670
7-10-17
Message 9 of 14
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Regular Contributor

Re: The day has finally come! Thank you all!

Well done. It's quite satisfying to rise from the 600s to over 800.
Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011

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