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Finally in the 800s!

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IcyCool7227
Frequent Contributor

Finally in the 800s!

Couldn't really find a spot for FICO milestones reached but two days ago on Credit Karma, my Equifax Vantage score jumped 5 points to 801! TU Vantage jumped 5 points also to 793. I've never seen the 800s ever in my life so this is an achievement! The huge payoff from Amazon Synchrony hasn't even reported yet so it's only up from here.

IMG_1534.png

 

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 1 of 14
13 REPLIES 13
Patient957
Frequent Contributor

Re: Finally in the 800s!

Nicely done!  Congrats!


Now you just need to work on that net worth.   Smiley Surprised Smiley LOL  (Just messing, obviously.)

 

Message 2 of 14
Varsity_Lu
Frequent Contributor

Re: Finally in the 800s!

Nice! 

Blue Cash PreferredBlue Cash EverydayHilton HonorsSavorQuicksilverVoice Rewards + Perks Checking
Mechanics Savings BankHuntington National BankCapital One, N.A.Fidelity Investments
FICO® 8: 797 (Eq) · 777 (Ex) · 741 (TU)

Message 3 of 14
MsSecondChance
Contributor

Re: Finally in the 800s!

Congratulations! 🥳
Looking forward to one day seeing the same!

Ch 13 filed 6/2018
Ch 13 discharged 7/2024
TU 781
EX 706
EQ 677
Message 4 of 14
xenon3030
Valued Contributor

Re: Finally in the 800s!

Congrats Smiley Happy

 

Since CK gives Vantage score, it might be wisely to look into Fico8 scores. Some insititutes like Discover, BOA provide it for free. Fico8 typically gets used for CC and loan qualifications and it can be way off from Vantage score.

 

PS: When I was new to the credit scoring, I was mainly counting on the scores that I was getting from CK (+780). Strangely, I got denited for two CCs. After digging into the reasons, I realized that I need to use Fico8 score (690), which was a bit marginal for CC applications Smiley Happy


Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.
Message 5 of 14
FicoMike0
Valued Contributor

Re: Finally in the 800s!

Congratulations!

Message 6 of 14
Realist
Regular Contributor

Re: Finally in the 800s!

Nice job.  Somehow it feels like after 800, you've arrived.

$XXX,XXX in credit lines. First digit isn't a one or two.
4-5 weeks in free credit reward vacations, booked through 2028.
$X,XXX in bank rewards in only 12 months.
I like FREE...

800+ FICO.

Making all numbers dance on a financial ledger.
Abuse that score responsibility for maximum gain.
Message 7 of 14
IcyCool7227
Frequent Contributor

Re: Finally in the 800s!

That was only the vantage score. I now just got a notification that my Equifax score jumped 5 points to 803! But once my 2 new credit cards report I am sure it will go down again. Smiley Sad

IMG_2105.png

 

 

IMG_1817.png


I had forgotten to update the above from Jan. 9th of CK. Still stands today.

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 8 of 14
IcyCool7227
Frequent Contributor

Re: Finally in the 800s!


@xenon3030 wrote:

Congrats Smiley Happy

 

Since CK gives Vantage score, it might be wisely to look into Fico8 scores. Some insititutes like Discover, BOA provide it for free. Fico8 typically gets used for CC and loan qualifications and it can be way off from Vantage score.

 

PS: When I was new to the credit scoring, I was mainly counting on the scores that I was getting from CK (+780). Strangely, I got denited for two CCs. After digging into the reasons, I realized that I need to use Fico8 score (690), which was a bit marginal for CC applications Smiley Happy


Oh I already do that across all 3 for free. It was just the Vantage Scores showing back then when that was happening but it was progress!

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 9 of 14
DebbsSeattle
Valued Member

Re: Finally in the 800s!

Ragardless of Vantage score vs. Fico...congrats. Use this momentum to keep up the battle to achieve that which you strive for! Congrats!

Message 10 of 14
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