Time and patience is the name of the game, although reaching an 850 is not something I've specifically worked toward, I was pleasantly surprised to see my EX8 just bumped to 850. This is at least a brief moment of satisfaction, since my EQ8 is a point shy and has been totally bugging me (OCD!). My first time reaching an 850, although it will be fleeting as I'm anticipating a couple card apps in June.
For what it's worth, here are some DP's for this score:
AoOA: 27 years, 10 months
AAoA: 11 years, 8 months
UT: 2%
Revolving Accounts: 29
Accounts w/Balances: 27
Installment Loans (student loans in my case): 14
Bank-Issued Credit Card Accounts: 26 (18 open, 8 closed)
Total Balance of Revolving Accts: $4804
Total CL: $286,400
Inq's/12: 1
New Accounts: 0/6, 1/12, 15/24
Great seeing no negative reasons being listed for once:
@PullingMeSoftly wrote:Time and patience is the name of the game, although reaching an 850 is not something I've specifically worked toward, I was pleasantly surprised to see my EX8 just bumped to 850. This is at least a brief moment of satisfaction, since my EQ8 is a point shy and has been totally bugging me (OCD!). My first time reaching an 850, although it will be fleeting as I'm anticipating a couple card apps in June.
For what it's worth, here are some DP's for this score:
AoOA: 27 years, 10 months
AAoA: 11 years, 8 months
UT: 2%
Revolving Accounts: 29
Accounts w/Balances: 27
Installment Loans (student loans in my case): 14
Bank-Issued Credit Card Accounts: 26 (18 open, 8 closed)
Total Balance of Revolving Accts: $4804
Total CL: $286,400
Inq's/12: 1
New Accounts: 0/6, 1/12, 15/24
Great seeing no negative reasons being listed for once:
1. Congratulations!!!
2. Thanks for the very interesting data points. If I'm not mistaken several of them challenge some of the "conventional wisdom".
E.g.,
(a) 14 open student loans
(b) 27 of 29 accounts reporting balances
(c) a new account in past 12 months
(d) 15 new accounts in past 24 months.
Congratulations on your perfect score! Thank you for sharing the data points.
Congratulations! That massive AoOA and AAoA are seemingly countering some other things. 
@SouthJamaica wrote:
@PullingMeSoftly wrote:Time and patience is the name of the game, although reaching an 850 is not something I've specifically worked toward, I was pleasantly surprised to see my EX8 just bumped to 850. This is at least a brief moment of satisfaction, since my EQ8 is a point shy and has been totally bugging me (OCD!). My first time reaching an 850, although it will be fleeting as I'm anticipating a couple card apps in June.
For what it's worth, here are some DP's for this score:
AoOA: 27 years, 10 months
AAoA: 11 years, 8 months
UT: 2%
Revolving Accounts: 29
Accounts w/Balances: 27
Installment Loans (student loans in my case): 14
Bank-Issued Credit Card Accounts: 26 (18 open, 8 closed)
Total Balance of Revolving Accts: $4804
Total CL: $286,400
Inq's/12: 1
New Accounts: 0/6, 1/12, 15/24
Great seeing no negative reasons being listed for once:
1. Congratulations!!!
2. Thanks for the very interesting data points. If I'm not mistaken several of them challenge some of the "conventional wisdom".
E.g.,
(a) 14 open student loans
(b) 27 of 29 accounts reporting balances
(c) a new account in past 12 months
(d) 15 new accounts in past 24 months.
Yeah, I think his 1/12 got counted as 0/12.
