I finally did it! I'm in the 760 club now. OMG I am so happy. I started my credit journey in March 2020 wth nothing but 4 collections on my CRs. No positive accounts, all bad. Here I am today with absolutely clean CRs and the highest credit scores I've had in my lifetime. Seriously, I cannot get over the fact that my scores are this high. Watch out 800 club! Here I come!
Now, could someone please tell me the minimum DP's to reach 800 Fico8 please? I know that 760+ is super good. I just want to reach 800 so that my parents cannot hold their scores over my head every time we talk credit. it would be nice to simply be on even ground with them. They claim to have an 800 credit score but they only have one open credit card for some 24 years. They have no other open accounts currently. Although they do have closed mortgages and auto loans. I just don't understand how they could have a score over 800 with only one current open account.
now I'm off to smoke a celebratory cigarette!
Grats to all your success!
Congratulations on your excellent feat! Getting from where you were to where you are now, in such a short time, is truly commendable.
Keep working at it.... The 800 club is calling!!! Come on in.... it's really nice over here... 
I don't know that I can give you any specifics; you're clearly already doing a great job. FWIW, I have no loans and haven't for many years, so the only type of credit on my reports is CC. I keep my utilization low, both overall and on a per-card basis, never ever pay only the minimum payment, pay in full most of the time, take advantage of 0% offers as they come up, use balance transfers responsibly, always pay on time, request credit limit increases when the mood hits--but only if I'm SURE there won't be a hard pull, and that's about it!
@sixstringcliff You'll be there, keep it up. I was wondering your question about how people have high scores with only having 2-3 cards; I understand now that getting new accounts every 6-12mo was holding me back. It took me almost 5yrs to reach 800 only to drop again 35points when I added 2new cards and a personal loan. I have a nice foundation though, considered a thick file.
Again congratulations I currently have 760 on Ex
@cashorcharge wrote:Congrats on your success @sixstringcliff
My initial response was going to be related to credit mix and age. I read @SoCalGardener reply about not having any loans in years so perhaps they are closed and still reporting. I was under the guise that for me to get there, mix was important and an unsecured loan...in others, not a car would be key...also a mortgage helped..
Nope. 
As noted, "...the only type of credit on my reports is CC..." Any loans, including car and mortgage, fell off my reports LONG ago.
I always try to point out that the conventional wisdom we're all so familiar with, i.e., you MUST have a mix of credit types in order to achieve great credit, is simply not true. At least not in my case. My scores are currently a bit lower than usual, in the 810-ish range, but are normally in the high 820s. (Temporary dip, nothing I'm concerned about.)