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Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

tonyjones
Valued Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

In two years I will join this "FICO High Achievers" club Smiley Happy

"I am become death, the destroyer of worlds"
Message 461 of 474
HiLine
Blogger

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

My FICO 08 on Equifax has been 767 for about a month. My overall utilization is just under 10% percent. Length of credit history is 2 years and 7 months, and AAoA about 1 year and 6 months. 13 open credit cards, 1 closed credit card, 1 auto loan. Several inquiries from looking for auto loans in February. Once these inquiries drop off, I'm hoping to crack the 780's.

This is the FICO 08 though. On FICO 04, I'd be lucky to be in the 740's. My score watch score went up about 50 points when the scoring model changed.
Message 462 of 474
mxs1649
Valued Member

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

 

I am getting so close to the 800 club but keep falling short.  Hopefully by next month, I might finally crack the barrier.  I'll have my UTIL down to 1% which is way better than 47% about a year ago.  I paid almost $20K to get to where I am today.  I still have one late payment showing up on my CR from 02/2009.  Next year, this will fall off and should definitely put me over the top for sure.  





Current Score: EQ:829 (9/8/17) TU:819 (9/8/17) EX:821 (9/18/17)
Goal Score: 825 across the board
Message 463 of 474
bca
Member

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

I lokked at my credit scores at Karma.com and I know that they use something different , but similiar to Fico. They have the same credit information on me that Fico has. I have low 600 scores with Fico and very high scores with Kredit Karma. It is not a small difference. What is going on? I hope that I am posting this message in the right place.

Message 464 of 474
LilyBee
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

bca:

 

You're in the right category if you have FICO scores of 760 or higher.  If not, . . . there are other categories to select from.

 

When contemplating a loan for an auto, mortgage, or other major purchase, most of the lenders consider FICO scores to qualify for a loan.  I don't know why you would have such a diverse score from CreditKarma, if both have the same information.  Perhaps they use different criteria in scoring.

 

 

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842;
SCORES as of April 19, 2018: EQ - 834; TU - 841; EX - 832.
New numbers will be posted in 2021
Message 465 of 474
sfoboy85
Established Member

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Hi Guys,

 

Just wanted to share my joy, my scores just got updated and my 
EQ FICO: 811
TU FICO: 819

Credit history: 6 years
Average account age: 3 years

Obviously the thing that's hurting my score the most is the credit history length (fair) and the average account age.

Couldn't be happier Smiley Happy ... well I could be, but I am working on it... I just can't beat time Smiley Happy

EQ FICO 827
TU FICO 836
EX FICO 824
Credit history of 6 years only!!!
Message 466 of 474
LilyBee
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Good show, sfoboy.  What were your starting scores back in 2009?

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842;
SCORES as of April 19, 2018: EQ - 834; TU - 841; EX - 832.
New numbers will be posted in 2021
Message 467 of 474
sfoboy85
Established Member

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Well, starting was 0 Smiley Happy

I was new in the country at the end of 2008. So I started building credit with an installment (secured) loan and about 6 months later (as far as I remember) my starting FICO scores were around:
EQ FICO: 610

TU FICO: 620

EQ FICO 827
TU FICO 836
EX FICO 824
Credit history of 6 years only!!!
Message 468 of 474
sutehk
Frequent Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

My TU 767, EX 773 and EQ 744.

I have been in the USA less than a year. TU and EQ scores don't include any of the cards in my signature as they aren't reporting. EQ includes my Discover reporting.
Starting (3/23/15) FICO 8 Scores : EQ: 741 / EX: 773 / TU: ???
Current FICO Scores : EQ: 755 (5/13/15) / EX 4: 707 (8/8/15) / EX 8: 759 (8/5/15) / TU: 715 (8/3/15) | Util: 17% | Inqs: EQ: 2 / EX: 5 / TU: 3
Message 469 of 474
LilyBee
Regular Contributor

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

Finally checked my scores today and they are something shout about.  Takes due dilligence.  (sp?)

 

EQ - 850;  EX - 850;  TU - 850.   FICO 8 is 850.

 

I couldn't copy that neat display page with the scores, so there it is.  Been anticipating this since I found Myfico.

 

Smiley HappySmiley Very Happy

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842;
SCORES as of April 19, 2018: EQ - 834; TU - 841; EX - 832.
New numbers will be posted in 2021
Message 470 of 474
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