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SmorgasBoard Coffee and ?

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Meanmchine
Super Contributor

Re: SmorgasBoard Coffee and ?

True story

 

I was on the phone with PNC AI customer service when I was asked to enter the last digits of my ss# "one digit at a time"

Belated Happy Cinco de Mayo to all

 

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2025 All 3 reports 845 - 850(F8) F9s = all 850 but my app finger is still twitching
Message 691 of 695
IsFiveCardsEnough
New Contributor

Re: SmorgasBoard Coffee and ?


@IsFiveCardsEnough wrote:

I made it!  At least on two bureaus.  I might have to splurge to get my EQ score and make it 3 bureaus next...

 

IMG_2209.jpeg

IMG_2208.jpeg


My EQ score is 850 as well.  Guess I won the FICO game. Smiley Happy

 

What now...

 

Formerly CreditMarathoner. Cards: BoA CCR MC $8,000 / Chase Amazon Prime VS $3,000 / Chase Freedom Unlimited VS $5,000 / Chase Sapphire Preferred VS $12,000 / Elan Sharonview FCU Max Cash Preferred VS $23,500 / TCL $51,500
Message 692 of 695
Thomas_Thumb
Senior Contributor

Re: SmorgasBoard Coffee and ?


@IsFiveCardsEnough wrote:

@IsFiveCardsEnough wrote:

I made it!  At least on two bureaus.  I might have to splurge to get my EQ score and make it 3 bureaus next...

 

IMG_2209.jpeg

IMG_2208.jpeg


My EQ score is 850 as well.  Guess I won the FICO game. Smiley Happy

 

What now...

 


@IsFiveCardsEnough 

Industry enhanced 900s. Then focus on Fico 10/10T.

 

P.S. Five cards is enough ... Unless you are talking VantageScore.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 693 of 695
IsFiveCardsEnough
New Contributor

Re: SmorgasBoard Coffee and ?


P.S. Five cards is enough ... Unless you are talking VantageScore.


Just for grins, I logged into CreditKarma.  My Vantage 3.0 scores are TU 827 and EQ 824.

 

Guess I have worse credit in Vantage's eyes... but I don't really care at this point.  I hit FICO8 850 x3 so, if that was on my bucket list, I can cross that off.

 

Now what.  I don't want or need more cards or credit, I don't want or need a CLI on anything.  I reached the summit, enjoyed the view... guess it's time to climb back down, as the air is a bit thin up here. Smiley Very Happy

 

 

Formerly CreditMarathoner. Cards: BoA CCR MC $8,000 / Chase Amazon Prime VS $3,000 / Chase Freedom Unlimited VS $5,000 / Chase Sapphire Preferred VS $12,000 / Elan Sharonview FCU Max Cash Preferred VS $23,500 / TCL $51,500
Message 694 of 695
Thomas_Thumb
Senior Contributor

Re: SmorgasBoard Coffee and ?

If you like excitement, consider a no derog free fall.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 695 of 695
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