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!
Congrats! Nice work - I dont think I will be seeing the 800+ except by accident!
This is great DomL, and thank you for sharing - I needed the detailed reminder. Keep up the diligence and the note-taking!
Looking good, 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.
Congratulations, this is a great accomplishment. Hope to join the 800 club in a couple of years when our baddies age off.
Wow thats awesome looking, especially from someone who seems 569 on my Dashboard!!! LOL Gives a vision for me to shoot for! Congrats!