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800 Club for Fico 8

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Aeon
Valued Member

800 Club for Fico 8

Got over 800 on all Fico 8 scores with my very thin file. 2 revolvers, no loans, utililzation 1-2% (No AZEO), 5 years AAoA, 9 years AoOA. 

 

On the first of this month, my AoYA reached one year and raised my EX8 from 793 > 798, EQ8 from 808 > 810, and no change on my TU8 (798). On the ninth, my lone inquiry on EX and TU became unscorable and my scores both rose to over 800. EX8 798 > 805 and TU8 798 > 808. 

 

transunion.pngequifax.pngexperian.png

Wells Fargo Autograph (PC'd multiple times) - June 2014 | American Express Blue Cash Everyday - September 2022 | American Express Blue Business Cash - March 2023

Message 1 of 6
5 REPLIES 5
Priory_Man
Valued Contributor

Re: 800 Club for Fico 8

a fantastic achievement, welcome to the club






"Total revolving credit $286,000 Current UTIL >1%"
Message 2 of 6
JoeRockhead
Senior Contributor

Re: 800 Club for Fico 8

Congratulations on reaching this milestone!

Message 3 of 6
BigBS
Senior Contributor

Re: 800 Club for Fico 8

Great work!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 6
SouthJamaica
Mega Contributor

Re: 800 Club for Fico 8


@Aeon wrote:

Got over 800 on all Fico 8 scores with my very thin file. 2 revolvers, no loans, utililzation 1-2% (No AZEO), 5 years AAoA, 9 years AoOA. 

 

On the first of this month, my AoYA reached one year and raised my EX8 from 793 > 798, EQ8 from 808 > 810, and no change on my TU8 (798). On the ninth, my lone inquiry on EX and TU became unscorable and my scores both rose to over 800. EX8 798 > 805 and TU8 798 > 808. 

 

transunion.pngequifax.pngexperian.png


Congratulations. And thanks for the details on the increments. Helpful to know that stuff.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 5 of 6
Aeon
Valued Member

Re: 800 Club for Fico 8

Thanks everyone!

 

I was surprised how many points I got back from the inquiry becoming unscorable; I was expecting to get more points when my youngest card aged 1 year and was a bit disappointed that I only got a few. When my second revolver reported on my reports, my scores plummeted about 18-26 pts, but I steadily got most of those points back at 3, 6, and 9 months after I opened the account. AZEO does nothing at my utilization and I don't spend enough to test higher thresholds, especially now that my TCL is above $25k. The biggest factors for my rising scores are not applying for anyting and letting my cards age.

Wells Fargo Autograph (PC'd multiple times) - June 2014 | American Express Blue Cash Everyday - September 2022 | American Express Blue Business Cash - March 2023

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