Finally got to 850. Did I win something?

[rserla]

This was quite a nice surprise. I have been close; 844, 842, 845, but never 850. 

When I started out, this board has contributed so much to me and my credit score health that I cannot thank each and everyone of you enough. 

From the backdoor numbers, to the Amex 3X increase and Discover CLs, every single one of these factors contributed to me having a score I can be proud of when applying for credit. 

To all of you that are just starting your journey - hang in there, learn from the wealth of information the myFICO forums is, make payments on-time and let time do its thing. 

Thank you again for all of the contributions. 

[Reviewers]

Congratulations on your success! I agree with the second part as well, I was able to go into the 750s with the help of this forum!

[rserla]

Thank you! I honestly did not know whether it was a possibility, or some elusive number that no-one can attain, or should really care about. 700s plus income are all you really need, but it was truly a nice surprise to see, and across all three bureaus. Now let's hope my next application manager doesn't think it is some error and deny me 

[Borealis]

Congrats on achieving the Holy Grail of credit scores!!! 

[rserla]

Thank you! Appreciate it. I feel like FICO should send me a balloon or a cake 

Your scores are moving there slowly but surely. I'll see you soon in this ... club? I don't know, maybe we will make tshirts 

[disdreamin]

Congrats, OP!

I'm wondering whether the VantageScore 3.0 AmEx provides hit 850 a long while before your FICO 8's did. Mine is 20+ points higher and I'm curious if that will be a good indicator of when my scores will rebound from my "credit-seeking behavior" displayed the last year or so.

[tortoise_credit]

Congrats! This gives lots of inspiration for everyone here to achieve the same!

[Navaster]

Congrats! I think you just won at life. Hopefully I'll be there in day. A decade down the road probably.

[rserla]

Thank you! 

Funny thing about the Vantage Score 3.0: it has gotten to 811 when I was in the 840s and then slowly began going down. It is currently at 801 whereas FICO 8 is at 850 

So at some points, a while ago when I was intensly tracking them both, I did see some correlation between the two (where Vantage going up reflected real FICO going up - some time in the future), but then they just decided to go their separate ways and became contracdictory. I was in a good enough place (with my score) that I stopped tracking them and trying to find the correlations.

So yes and no. I think the disassociation began in the 800s, so until then it can be something that reflects the path you are on. 

[rserla]

Thank you! This board gave me a wealth of knowledge so I just wanted to share something unique, and I am humbled if it gives someone inspiration (because I just did what I learned here, and the computer algorithms did the rest). 

But I did start with a $300 Capital One Secured card prior to coming here, so the sky is the limit with the knowledge this board provides (whether it is CLIs or FICO score increases).