Am I really in 800 club ?

waiter · ‎02-13-2016

One is from FNBO and another is from Penfed. But my walmart is @ 789. Its kind of confusing.

Bankrupt2019 · ‎02-13-2016

Just different versions of your FICO score. I think that makes you part of the 800 Club

elim · ‎02-13-2016

That FICO 8 EX makes it official... congrats for sure.

SouthJamaica · ‎02-13-2016

@elim wrote:
That FICO 8 EX makes it official... congrats for sure.

I didn't see a FICO 8, saw a FICO Bankcard 8 which is on the 300-900 scale.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

CreditMagic7 · ‎02-13-2016

Well whatever even if you're not (looks like you are) you might just as well be because your really high on that scale now

Nice work!

bdhu2001 · ‎02-13-2016

You're in the 800 club. You're scores are simply different versions of FICO scores. The rules of the 800 club doesn't say which version you must use to be in the 800 club. I'm frugal, use the free FICO scores provided by your banks.

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850

Take the myFICO Fitness Challenge

jamie123 · ‎02-15-2016

Yes, I would say you are in the 800 club!

Just so you know...

You have 3 scores from different credit bureaus that you posted.

The 789 from Walmart is a real FICO score from Trans Union.

The 815 from Penfed is a real FICO score from Equifax.

The 818 from FNBO is a real FICO score from Experian.

Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20

NRB525 · ‎02-15-2016

@SouthJamaica wrote:
@elim wrote:
That FICO 8 EX makes it official... congrats for sure.
I didn't see a FICO 8, saw a FICO Bankcard 8 which is on the 300-900 scale.

Congratulations on the higher score, OP, it is definitely up there. However I have to agree, it's Bank Card 8, 900 point scale, so not quite the same thing.

You don't have a Discover card? Or a Slate? Something that gets you a real FICO 8 score for free?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎02-15-2016

Fantastic! Congratulations!