Finally hit 800

[joeyv1985]

What a good day this is. Finally hit 800 on one of my Fico 8's(Transunion). I'll enjoy it while I can because I bought a car on Friday and I'm sure it will ding my score sometime in the next month or 2. 

[SouthJamaica]

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@joeyv1985 wrote:

What a good day this is. Finally hit 800 on one of my Fico 8's(Transunion). I'll enjoy it while I can because I bought a car on Friday and I'm sure it will ding my score sometime in the next month or 2. 

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Congratulations Enjoy the car and the reduced interest rate on the loan.

[joeyv1985]

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@SouthJamaica wrote:

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@joeyv1985 wrote:

What a good day this is. Finally hit 800 on one of my Fico 8's(Transunion). I'll enjoy it while I can because I bought a car on Friday and I'm sure it will ding my score sometime in the next month or 2. 

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Congratulations Enjoy the car and the reduced interest rate on the loan.

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Thanks Jamaica. Scores were doing well as is. Got 1.9%, no income verification(I'm self employed), and I don't think they even asked how much I made. FICO Auto's were well in the 800's, I own a home and my last 2 car loans were PIF with no lates. In fact they were paid early. Which I will probably do with this 5 year car loan as well. Strong FICO's count for just about everything. 

[pizzadude]

Agree, congrats on the rebuilding success and hitting 800! 

1.9% is a great rate, did you go with a 5 year loan?  

[joeyv1985]

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@pizzadude wrote:

Agree, congrats on the rebuilding success and hitting 800! 

1.9% is a great rate, did you go with a 5 year loan?  

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Hello @pizzadude


Yes, I went with the 5 year loan. I believe 1st payment is the EOM in Jan 2022. I'll probably pay this off early. Say in the neighborhood of 3 years or so. 

[SleeplessinMA]

Congratulations on hitting 800 and on your new car.  I just traded out of one lease into another, it was nice not to have to verify anything. Wishing you the best! 

[joeyv1985]

Thanks!

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@SleeplessinMA wrote:

Congratulations on hitting 800 and on your new car.  I just traded out of one lease into another, it was nice not to have to verify anything. Wishing you the best! 

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[joeyv1985]

My FICO 8 scores finally hit 800+. All 3 of them. It took a while, but my scores took a hit during the last financial crisis nearly 15 years ago. Once the dust settled, made the conscious effort to never go back to that again. A big thanks to the board for the guidance and support. Cheers. 
Equifax: 804
Transunion: 805
Experian: 801

[Anonymous]

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@SleeplessinMA wrote:

Congratulations on hitting 800 and on your new car.  I just traded out of one lease into another, it was nice not to have to verify anything. Wishing you the best! 

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How many Citi cards do you have, do we have a winner here