Credit Bureau Score

[TrapLine]

In the past I sat at Fico 08 and 850 for five years.

Stepped out of the safe haven and took on debt, added cards and sold real estate. Scores have been as low as Fico 08 784 and as of today I finally returned to Fico 08 837.

After several years of being treated like a dog, banned to the cellar, now see day light.

Awesome feeling.

[Vinjints]

Some people would be thrilled to live life in the dark as a cellar dwelling canine with a 780 score. But good job on getting the scores back up to where you want them. I'd be very surprised if you got any sort of less than optimal credit terms even with the temporary drops.

[Thomas_Thumb]

I prefer being a debt free dog. The 850 club kicked me to the curb when my last installment loan was paid off. However, I still am able to bask in Fico 830s/840s sunlight.

Trying to avoid the damp, dark cellar so no new credit for me.

[TrapLine]

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@Thomas_Thumb wrote:

I prefer being a debt free dog. The 850 club kicked me to the curb when my last installment loan was paid off. However, I still am able to bask in Fico 830s/840s sunlight.

Trying to avoid the damp, dark cellar so no new credit for me.

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Glad you posted as I am debt free and have kept a small vehicle loan ($6K) but could pay it off. Now that you have set out your findings my score fits in the range you mentioned. Do not want more debt to establish Fico 08 850 again. No real need. Interesting and I suspect not surprising.