FICO SCORE Shock ... hit 850

[Anonymous]

Decided to take a look at all three credit bureaus and check my scores. No change I figured as I seem to have plateaued. Was sitting around 818 to 835 for a couple of years. Age of Accounts 18 years and AAOA 8 years. Shocked me to find the 300 to 850 bell ring! Well what new excitement shall I pursue?

Will add, learning on this MYFICO Board is what helped me find a new credit life after "bottom feeding" for a long time!

[Anonymous]

Sweet.  If you AAoA is 8 years (and your AoOA 18 years) in theory you could have been at 850 as much as 6 months ago, but if you weren't checking your scores frequently you wouldn't have known.

[Anonymous]

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@Anonymous wrote:

Sweet.  If you AAoA is 8 years (and your AoOA 18 years) in theory you could have been at 850 as much as 6 months ago, but if you weren't checking your scores frequently you wouldn't have known.

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Good point ... confess I missed that. As you state it, I think somewhere on this board is a write up explaining that. Interesting.

[EW800]

Congratulations on hitting the 850!  Great accomplishment!  

I just thought I would share that after a long 7 year or so rebuild, I found yesterday that I hit 850 as well, however it is on the Fico 9 model!  I think it will be a few months before Fico 8 will allow me to get there, but after such a long rebuild it felt great to see the 850!  

[pamon]

Congrats on the 850

[Anonymous]

I got you beat at 851, but it's bankcard8 hehe.

[Anonymous]

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@Anonymous wrote:
I got you beat at 851, but it's bankcard8 hehe.

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oldman87 as I hear my bones creak moving about it is nice to have one last victory before spending my time looking at "roots" ... hey you are not to far behind

Also, nice job at a FICO Score of 851!

[Anonymous]

I'm 5 days away from my last scoreable inquiry on EQ going away, which will allow me to hit 850 there to complete my 850 FICO 8 trifecta.  I'm curious what will happen to my BCE score, which sits at 875.  I wonder what the difference is in terms of scoring impact of an inquiry on Classic 8 vs Bankcard Enhanced 8... anyone know having compared the two in the past?  I'm guessing I'll land at 880+, but not sure exactly what to expect.

[19eighty5]

Congratulations!

[Thomas_Thumb]

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@Anonymous wrote:

I'm 5 days away from my last scoreable inquiry on EQ going away, which will allow me to hit 850 there to complete my 850 FICO 8 trifecta.  I'm curious what will happen to my BCE score, which sits at 875.  I wonder what the difference is in terms of scoring impact of an inquiry on Classic 8 vs Bankcard Enhanced 8... anyone know having compared the two in the past?  I'm guessing I'll land at 880+, but not sure exactly what to expect.

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Looking at my EQ BCE scores, an inquiry costs 7 to 11 points nominally on BCE. Generally an inquiry is half that amount on the Classic Fico counterpart (say 5 points). In your case my guess would be a score in the 882 to 886. See below pastes. For the top one data points in blue are months with zero inquiries and those in red are one inquiry. [within group score fluctuations primarily due to changes in # cards reporting balances]

Time Frame	# INQ	AVG EQ Fico BCE 8
3/2015 - 6/2015	1	875.0
7/2015 - 11/2015	0	883.6
12/2015 - 2/2016	1	873.0
3/2016 - 10/2017	0	883.4
11/2017 - 10/2018	1	876.1