Re: Broke 800 Fico for first time

Agent86 · ‎02-02-2015

As recently as three years ago, I had a FICO score of 609, due mainly to high utilization, lots of inquiries, and one late payment on a store card because of a change in address (took longer than 30 days to get the bill). I didn't know my score was so poor until I needed a loan to buy a used car, and ended up with a 10.9% interest rate. I've followed this site closely (although I haven't posted much), and thanks to following the advice on this site, today checked my TransUnion FICO score, and it was 803--the first time it's ever been above 800. Just wanted to say thanks.

Thanks,

Agent86

Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards

scorewatcher7 · ‎02-02-2015

excellent job! congrats!!!!

Anonymous · ‎02-02-2015

@Agent86 wrote:
As recently as three years ago, I had a FICO score of 609, due mainly to high utilization, lots of inquiries, and one late payment on a store card because of a change in address (took longer than 30 days to get the bill). I didn't know my score was so poor until I needed a loan to buy a used car, and ended up with a 10.9% interest rate. I've followed this site closely (although I haven't posted much), and thanks to following the advice on this site, today checked my TransUnion FICO score, and it was 803--the first time it's ever been above 800. Just wanted to say thanks.

Thanks,

Agent86

@Agent86,

That is an impressive accomplishment. Congrats... If you don't mind me asking, what is your AAoA?

Agent86 · ‎02-02-2015

Average age is about 7 years. Oldest is 12 years.

Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards

Anonymous · ‎02-02-2015

Congrats!

Anonymous · ‎02-02-2015

Awesome!

HiLine · ‎02-02-2015

Way to go! Congratulations!!!

---> HiLine's personal finance blog - Follow my journey!

bdhu2001 · ‎02-02-2015

Congrats!!! Great job on turning your credit around. TU is always my lowest score.

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

AzaleaB · ‎02-02-2015

Congratulations, it must a good feeling.

Starting Score: EX:570, 8/2011
Current
Scores(8/30/18): EX08:850; EQ08:850,
TU08:847 Inqs(12 mo): EX/0, EQ/0, TU/0
Goal Scores: 800+
My Cards: BoA Rewards: 30K, Discover IT: 50K, Arrival : 13.3K, CDP: 30.1K, Amex PRG, Amex ED: 22.5K, Amex BCP: 20K, FU: 21K, CSR: 35K, Amazon Store: 20K, Macys:10K, Diners Club:40K

gdale6 · ‎02-02-2015

@Agent86 wrote:
As recently as three years ago, I had a FICO score of 609, due mainly to high utilization, lots of inquiries, and one late payment on a store card because of a change in address (took longer than 30 days to get the bill). I didn't know my score was so poor until I needed a loan to buy a used car, and ended up with a 10.9% interest rate. I've followed this site closely (although I haven't posted much), and thanks to following the advice on this site, today checked my TransUnion FICO score, and it was 803--the first time it's ever been above 800. Just wanted to say thanks.

Thanks,

Agent86

Excellent, welcome to the 800 club

Broke 800 Fico for first time

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Broke 800 Fico for first time