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Finally got my 800 cake...

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Dalmus
Valued Contributor

Finally got my 800 cake...

 It's been a long 10 years since my BK discharge in July of 2011.

 I had done what I thought was a good job slowly rebuilding for the first few years, until I found the MyFico Forums.  I joined in April of 2015 with scores ranging from 653 to 673.   It took me about 18 months to get to low 720's as I undid some of my bad choices such as too many SCT cards.  I spent the next few years languishing in the 750's until the CRA's started early dropping my BK7.   By March of this year, all three CRA's had dropped the BK7, and my scores have been steadily increasing until today, I finally got the alert from MyFico that *ALL* my scores are now above 800... Transunion was the last holdout.

 

Now, I imagine I'll be stuck in this zone for a while as I have a mortgage, and auto loan and an RV loan, and while this is a great plateau to be at, I can't wait until my scores are all 820+. 

 

Thanks for all the questions asked and answered on these forums.  I definitely would not have the available credit that I have today, nor the scores that I have without this place.  I like to try to help our where I can as well, but there are some definitely rock stars here with a hefty knowledge of how to go about rebuilding.  Huge respect!

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K


Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814


Message 1 of 5
4 REPLIES 4
gdale6
Moderator Emeritus

Re: Finally got my 800 cake...

Congrats to all your success in the past and moving forward Smiley Happy

Message 2 of 5
Anonymous
Not applicable

Re: Finally got my 800 cake...

Congrats! It feels great when you hit that milestone!

Message 3 of 5
sixstringcliff
Valued Member

Re: Finally got my 800 cake...

Good job! You're doing great. I can't wait to join you in that club too.

Fico8 as of Aug 4, ‘23

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Message 4 of 5
SoCalGardener
Valued Contributor

Re: Finally got my 800 cake...

This is such excellent news. Congratulations on your HUGE milestone! Crossing that 800 threshold is a big, big deal. Good for you for getting there.

 

Keep doing what you're doing and before you know it, your scores will be in the 820s.

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