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FICO SCORE Shock ... hit 850

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Moderator Emeritus

FICO SCORE Shock ... hit 850

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? Smiley Very Happy

 

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

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Super Contributor

Re: FICO SCORE Shock ... hit 850

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.

Message 2 of 19
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Moderator Emeritus

Re: FICO SCORE Shock ... hit 850


@BrutalBodyShots 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.


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

Message 3 of 19
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Valued Contributor

Re: FICO SCORE Shock ... hit 850

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!  

 

FICO.jpg

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Dec 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $273K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 4 of 19
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Regular Contributor

Re: FICO SCORE Shock ... hit 850

Congrats on the 850

Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Fico 8 Exp 698 Transunion 716 Equifax 690 (1/8/19)
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Valued Contributor

Re: FICO SCORE Shock ... hit 850

I got you beat at 851, but it's bankcard8 hehe.
Message 6 of 19
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Moderator Emeritus

Re: FICO SCORE Shock ... hit 850


@oldman87 wrote:
I got you beat at 851, but it's bankcard8 hehe.

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 Smiley Very Happy

 

Also, nice job at a FICO Score of 851! Smiley Wink

Message 7 of 19
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Super Contributor

Re: FICO SCORE Shock ... hit 850

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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Senior Contributor

Re: FICO SCORE Shock ... hit 850

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 9 of 19
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Senior Contributor

Re: FICO SCORE Shock ... hit 850


@BrutalBodyShots 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.


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# INQAVG EQ Fico BCE 8
3/2015 - 6/20151875.0
7/2015 - 11/20150883.6
12/2015 - 2/20161873.0
3/2016 - 10/20170883.4
11/2017 - 10/20181876.1

 

BCE EQ Fico 8 graph 10-2018.jpg

 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 897
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
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