Achieved Perfect FICO 8 Score at TransUnion

[s_haliz]

850/850 

If I recall correctly, my scores were in 760s even back in 2002 when I had bought my second house. Since then it never felt below 780. It had flirt to 830s for months before it had reached to 850 today. 

[s_haliz]

Based on research done in 2010, only 0.5% consumer had ever reached 850 score. So technically I am ahead of 99.5% consumers. Though per another research, once your score is above 760-780, you would enjoy same great interest rates etc. on loan/mortgage. And so getting perfect 850 would not by itself lend you anything preferential (than someone had 770 score for example). Just a self satisfaction of having perfect score. Also this score may not stay static from this point forward. It could change.

[AzaleaB]

Congrats on the perfect score! Yeah, you don't need it, 760+ is fine but 850 looks so pretty!☺

[ddemari]

Congrats! That is an amazing accomplishment!

[NRB525]

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@s_haliz wrote:

Based on research done in 2010, only 0.5% consumer had ever reached 850 score. So technically I am ahead of 99.5% consumers. Though per another research, once your score is above 760-780, you would enjoy same great interest rates etc. on loan/mortgage. And so getting perfect 850 would not by itself lend you anything preferential (than someone had 770 score for example). Just a self satisfaction of having perfect score. Also this score may not stay static from this point forward. It could change.

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Congratulations!

1) What is your total outstanding balance, and overall utilization percentage?

2) How many cards report balances?

3) Have you called or SM AMEX about getting your APR reduced on the BCP?

4) Have you closed other cards? 3 cards are new as of 2014?

[gdale6]

Nice, grats to you OP 

[s_haliz]

NRB525...

Here are my answers:

1) What is your total outstanding balance, and overall utilization percentage?
2) How many cards report balances?
Answer 1 & 2: I had just one card that had reported balance......$1; Overall utilization comes of 1% (much lesser than 1% but they do round up to nearest full %) I had utilized about 2.5% during the month (of my $180K available limit) but paid them off before statement got cut.

3) Have you called or SM AMEX about getting your APR reduced on the BCP?
Answer 3: I am planning to call around December since I am still under 0% promotional scheme.  

4) Have you closed other cards? 3 cards are new as of 2014?
Answer 4: I had not closed any cards during last 4 years. During 2014, I had actually 4 new cards (AMEX is also new but since I used to have AMEX around mid 1980s, I was able to have MSD) 

[Anonymous]

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@s_haliz wrote:

Based on research done in 2010, only 0.5% consumer had ever reached 850 score. So technically I am ahead of 99.5% consumers. Though per another research, once your score is above 760-780, you would enjoy same great interest rates etc. on loan/mortgage. And so getting perfect 850 would not by itself lend you anything preferential (than someone had 770 score for example). Just a self satisfaction of having perfect score. Also this score may not stay static from this point forward. It could change.

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Yeah, once you hit 780, its pretty much just bragging rights from there on out.

Gratz.

[Thomas_Thumb]

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@s_haliz wrote:

Based on research done in 2010, only 0.5% consumer had ever reached 850 score. So technically I am ahead of 99.5% consumers. Though per another research, once your score is above 760-780, you would enjoy same great interest rates etc. on loan/mortgage. And so getting perfect 850 would not by itself lend you anything preferential (than someone had 770 score for example). Just a self satisfaction of having perfect score. Also this score may not stay static from this point forward. It could change.

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Congratulations on your TU 850.

Here is a new TU milestone challenge for you - Fico 8 Bankcard 900.

[Anonymous]

Congratulations. I have a question; answer only if you are comfortable. Do you have any installment loans? If you do, what is the % left? Technically two questions. Thanks.