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Got my first 850....but....

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Anonymous
Not applicable

Got my first 850....but....

it's a bankcard enhanced  Smiley Sad

 

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The highest 08 though w/o enhancements has been TU at 844 before I started hammering it with new accounts for SUBs.  Still over 800 there though.

 

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HP's / new accounts don't mean much when you look at the slopes and valleys for the past year.

Message 1 of 11
10 REPLIES 10
tcbofade
Super Contributor

Re: Got my first 850....but....

...it's still pretty...

 

Congrats!

Fico 8 01/01/26: EX 788, EQ 802, TU 785.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 11
Anonymous
Not applicable

Re: Got my first 850....but....

I don't know about pretty but, it's amusing.

Message 3 of 11
Anonymous
Not applicable

Re: Got my first 850....but....

Yes, only 850 out of 900, practically a deadbeat!

Message 4 of 11
TheBoondocks
Established Contributor

Re: Got my first 850....but....

Just curious, what's the difference between fico 8 bankcard, classic, 9, etc? What's the actual fico 8 score site that is official from the bureau? I guess, its best to check CCT right? 

Message 5 of 11
Anonymous
Not applicable

Re: Got my first 850....but....

For TU I use Disco

For EX I use Amex

For EQ ..... there isn't really a free one that comes with a card that isn't enhanced.  According to Citi though it's 835 for the April posting. 

 

CCT should be across the board of a single version though and though I don't use it someone else can chime in to the version.

Message 6 of 11
Anonymous
Not applicable

Re: Got my first 850....but....


@Anonymous wrote:

Yes, only 850 out of 900, practically a deadbeat!


*sigh*

Message 7 of 11
Anonymous
Not applicable

Re: Got my first 850....but....

Not sure if it's enhanced or not, but Citizen's Bank has 2 CCs, and they provide an EQ score.

Haven't looked too much into that aspect of their cards, though. Might be worth checking out, if you haven't. It is a regional bank, so may not be available to you, though.
Message 8 of 11
Anonymous
Not applicable

Re: Got my first 850....but....

I've looked at them but, they're not enticing enough to pick anything up with them.

Message 9 of 11
EW800
Valued Contributor

Re: Got my first 850....but....

Still a beautiful score and sight!  Smiley Happy 

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 10 of 11
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