First of all, Doesn't have to be AZEO.
I always have about 3-4 accts reporting monthly balances with an aggregate hovering 2-4%.
My siggy should give you a snap shot for some other DPs.
@Jrobertson1998 wrote:
@Anonymous wrote:And you should also question WHY you want an 800+ score. It won't get you anything that say a 780 score would
I do understand that, I just want to be able to say im apart of the 800+ club among some other reasons, but mainly for the first one.
Nothing feels better than being in the 800 club my friend, its an acoplishment that not many recieve, its agoal you set for youself that you are proud of, when you get there you will see what i mean, as for advise do a small loan pay it back quickly, thats when mine went over the top, good luck guy
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@Jrobertson1998 wrote:I am on a journey to get an 800+ credit score by the end of 2023. I have been building my credit up for the past year and my credit score now is in the 740s. I have only a few accounts 4-5 accounts primary accounts, ranging aroung $4000-$9000 and I am an authorized user on about 3 CC accounts, ranging around $4000-$11000. I have an account(s) with Discover, Bank Of America, Goldman Sachs (Apple Card), and Synchrony Bank (PayPal 2% Cashback Card)(Verizon Visa), have about 3 years and 6 months of average age, and I am an authorized user on Citi, Capital One, and Chase cards. My Data Points is this 100 on time payment history, about 8-9 accounts, under 10 percent utilization, 0 inquries, 0 auto loans, personal loans, or mortgage. To everyone who has acheived an 800+ credit score, tell me what led you to an 800 and also what were some of your data points as well to acheive this.
@Jrobertson1998: It took me 27 months to hit 800 on my EQ FICO 8 score. However, since you already have a sufficient number of primary credit account bankcards (minimum of 3) with a credit history of 12 months, if you're willing and able to:
1. open a share secured loan this month to use the SSL Technique (or open any installment loan this month that reports a balance under 9.5% in November and December 2023),
2. garden for the next 12 months,
3. have a perfect payment history, and
4. use the AZEO method in November and December 2023,
then you can hit 807 in 24 months of credit history without any AU accounts. A forum member, Subexistence, did it at 20 years old.
You can get very close to 800 in 2 years, even if you don't garden. I had only been gardening for 4 months, so I was on a new account score card, and I still had a 797 EQ FICO 8 Score at 24 months of credit history.
FWIW, you don't need 800 credit scores. You only need a FICO 8 score of 781 or higher to qualify for the best interest rates. For most mortgages, to qualify for the best interest rates, you need a median mortgage FICO score of 740 or higher if you have a 20% down payment or 760 or higher with no down payment. My median mortgage score at 24 months was 741, even with a new CC account. No AU accounts.
