Finally... 850 FICO score!

[JagerBombs89]

It's been a long journey (still got one more year on Experian), but I've finally reached the peak. I just had to share it with someone - 850 on Equifax and it's my first 850 ever! For those who'd like to see my credit profile, it's been documented here: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/From-800-to-Foreclosur-e-How-Negatives-A...

[AllZero]

Congratulations on your success! That is an amazing journey. Thank you for sharing your story.

[M_Smart007]

Rockin the scores .. Congratulations!

[1GaDawg85]

love seeing those awesome scores!

[Curious_George2]

Epic journey. Congratulations!

[Anonymous]

What's holding that 3rd score back 100+ points?  I'm assuming you've got a major negative item on that report that wasn't reported or came off the other 2 already?

[805orbust]

Sick. I have read your thread and this is a fine end result. What a great journey! 

[JagerBombs89]

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Thanks everyone! 

@Anonymous wrote:

What's holding that 3rd score back 100+ points?  I'm assuming you've got a major negative item on that report that wasn't reported or came off the other 2 already?

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Foreclosure, which is scheduled to be removed from EX in 11 months. I submitted a request to TU and EQ, and both removed the foreclosure just over a year ago (2 years early). 

[Anonymous]

I'm assuming you sent the request to EX as well and just had no luck?

[JagerBombs89]

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@Anonymous wrote:

I'm assuming you sent the request to EX as well and just had no luck?

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Precisely. And IIRC, I used "creditor agreed to delete account" on TU and "account too old to report" on EQ & EX. Experian was the only one who didn't delete.

So, if you want to add my data point to your 850 thread from 2019: my AoOA is 13 years, 1 month and AAoA is 8 years (rounded down).