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850 Club on EX F8

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Junejer
Moderator Emeritus

850 Club on EX F8

Woke up this morning to an 850 EX F8 score. I wasn't expecting this as I have been stuck on 849 since November. I allowed one of my Chase cards to report a balance of 29% and my score dropped to 840. I paid it in full a few days later expecting it to rebound back to 849. I pulled it up this morning and saw 850 pop up. I was both shocked and delighted to see it.

 

It would be nice to see all three hit at the same time, but I'm not holding my breath on EQ. I have a business card offer from my bank through Elan that I'm going to take a run at before the offer expires on 3/15, so all 850s will be gone. It was nice to visit 850 on TU and EX though.Screenshot (204).png







Starting Score: 469
Current Score: 846
Goal Score: 850

Take the myFICO Fitness Challenge
Message 1 of 5
4 REPLIES 4
citymunky
Established Contributor

Re: 850 Club on EX F8

Congrats on a perfect profile in the eyes of the Credit Gods. Do you mind sharing any DPs summaries of your FICO score components (i.e. AAoA?, Credit Mix, etc, etc)? 

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1 CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 2 of 5
CorpCrMgr1
Valued Contributor

Re: 850 Club on EX F8

Congratulations on your 850 CS!!

Message 3 of 5
Junejer
Moderator Emeritus

Re: 850 Club on EX F8


@citymunky wrote:

Congrats on a perfect profile in the eyes of the Credit Gods. Do you mind sharing any DPs summaries of your FICO score components (i.e. AAoA?, Credit Mix, etc, etc)? 


Hey @citymunky, I am currently AZEO with $16 reporting on my FNBO Evergreen card and $6 on an AU card.

 

EX DPs: AAoA-7yrs6mos, AoOA-16yrs4mos. Credit mix, including closed accounts-13 revolving, 8 installment, including mortgages. One open car loan with $101 principal balance that I've kept open since last May.

 

TU DPs: AAoA-6yrs10mos, AoOA-16yrs4mos. Credit mix, including closed accounts-11 revolving, 8 installment, including mortgages. One open car loan with $101 principal balance that I've kept open since last May. 

 

EQ DPs: AAoA-8yrs4mos, AoOA-16yrs4mos. Credit mix, including closed accounts-15 revolving, 8 installment, including mortgages. One open car loan with $101 principal balance that I've kept open since last May.

 

Update: I somehow gained a point on EQ, likely for the same mysterious reason that I gained one in EX. I'm now at 849 on EQ.







Starting Score: 469
Current Score: 846
Goal Score: 850

Take the myFICO Fitness Challenge
Message 4 of 5
citymunky
Established Contributor

Re: 850 Club on EX F8

Thanks for the insight @Junejer .

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1 CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 5 of 5
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