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I Did It - Crossed into FICO 8 "Good" Score Range

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Frequent Contributor

I Did It - Crossed into FICO 8 "Good" Score Range

I woke up this morning to see my Experian FICO score jumped 5 points.  I am now at 672.  I have officially crossed over the line into the FICO "good" score category.  When I began rebuilding in the summer of 2018, I was in the "poor" category.    My mortgage and other FICO scores are already higher, but I've been waiting for the FICO 8.  I won't pull my 3-bureau report until later in the month.  Equifax should do the same and cross the threshold.  TU will still be lagging.   

 

Mentally, this was so important to me.  Once, I get all three over 670, then the next mental goal is to hit 700 on all three.  

 

It's reflecting in prequal offers.  Only a few weeks ago Amex's Blue Cash Everyday card popped up for the first time.  Today, when checking what I prequalified for, it added another credit card:  The Cash Magnet card.     I've prequalified for the Gold card before.  I'm in the garden, but, still, to now have two Amex credit card offers when checking lets me know my rebuild is finally showing results.

 

Thanks for the help, everyone.

 

 

XXXXX XXXXXX, check out this pre-qualified offer!

Even better, the Card you've matched with has exceptional perks so don't wait.

  • Blue Cash Everyday® Card
  • Cash Magnet® Card
  • American Express® Gold Card

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $700 CL
Capital One QuicksilverOne (3/19) - $1650 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $1000 CL
Amazon Prime Store Card (4/20) - $4800 CL
NFCU cashRewards (4/20) - $500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL

Experian FICO Score - 8/2018: 528

Experian FICO Score - 8/2020 - 672
Equifax FICO score 7/2020 - 668
TransUnion FICO score 7/2020 - 655
Message 1 of 11
10 REPLIES 10
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Established Contributor

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Congrats on your credit rebuild and hard work!




Message 2 of 11
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Valued Member

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Congrats on your hard work paying off!





NFCU SSL Builder Loan $3,010 @ 2.25% on 60 months. Immediately paid down to 8% loan utilization. I'm letting it ride until the last payment on 7/26/2025!
Message 3 of 11
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Moderator

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Sweet, a big congrats to all your success Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 11
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Super Contributor

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Congratulations on your success!
Message 5 of 11
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Super Contributor

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Nice. Cant wait. Three more months. Hello......AMEX? Submit!!!!!!!!!!!!! Smiley Very Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 6 of 11
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Member

Re: I Did It - Crossed into FICO 8 "Good" Score Range

My FICO 8 Experian just moved into Good this morning as well! This is the highest I've seen my score since I started tracking and it feels good to see this since becoming so disciplined financially.

gardening now too! 

Starting 4/2020:


Current 8/2020:


North Star: Buy our first house in mid 2021!

Message 7 of 11
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Frequent Contributor

Re: I Did It - Crossed into FICO 8 "Good" Score Range


@Lulah wrote:

My FICO 8 Experian just moved into Good this morning as well! This is the highest I've seen my score since I started tracking and it feels good to see this since becoming so disciplined financially.

gardening now too! 


That's fantastic.  Congratulations.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $700 CL
Capital One QuicksilverOne (3/19) - $1650 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $1000 CL
Amazon Prime Store Card (4/20) - $4800 CL
NFCU cashRewards (4/20) - $500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL

Experian FICO Score - 8/2018: 528

Experian FICO Score - 8/2020 - 672
Equifax FICO score 7/2020 - 668
TransUnion FICO score 7/2020 - 655
Message 8 of 11
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Senior Contributor

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Congrats!

Currently rebuilding as of 04/11/2019.

Starting Scores:
EX 518
EQ 518
TU 521

Current FICO scores:
EX 622
EQ 569
TU 613
Message 9 of 11
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Established Member

Re: I Did It - Crossed into FICO 8 "Good" Score Range

Congratulations to you! 

Message 10 of 11
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