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How close to 850 with no balances?

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Thomas_Thumb
Senior Contributor

Re: How close to 850 with no balances?


@sarge12 wrote:

TT...some company called credit solution program keeps sending me e-mails promising a 116 point boost...guaranteed. In the body it even promises 160 points. Considering my Fico 08 scores range from 806-816 this would be quite a trick...966-976. I suppose yours would all be over 1000...hahahaSmiley Very Happy


I have been looking for a higher Fico score but, can't justify the HP to join PenFed to get a Fico NG2 score. Thought I might be able to set-up a checking account and get a score with a SP but, no go. So I backed out before completing the membership application. PenFed did a HP anyway but, they agreed to remove it (took 3 months before EQ re-classified it to a SP - not removed completely).

 

Closest I got to 1000 was 990 on VantageScore 2.0. Maybe that's what credit solutions would be giving you as a credit score.Smiley Wink

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 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 11 of 13
grillandwinemaster
Valued Contributor

Re: How close to 850 with no balances?

 

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 12 of 13
sarge12
Senior Contributor

Re: How close to 850 with no balances?


@grillandwinemaster wrote:

@sarge12 wrote:

TT...some company called credit solution program keeps sending me e-mails promising a 116 point boost...guaranteed. In the body it even promises 160 points. Considering my Fico 08 scores range from 806-816 this would be quite a trick...966-976. I suppose yours would all be over 1000...hahahaSmiley Very Happy


Hey Sarge, haven't seen you in a while! Welcome back!


I have been lurking all along...just kind of running out of things to contribute. I have been gardening, and there is only so many times I can explain such things as the effect of utilization without becoming extremely redundant. If someone asks a question or has a situation I think my input will be helpful in, I will post. Just because my posts have been less frequent is probably due mainly to the fact my scores and such have become completely static...they hardly change at all. I guess I just run out of things to say, but I hope you and yours were well, and enjoyed the holidays. As a Clemson Tiger fan, I would have something to say on that, but this being a financial forum it may not be allowed.

TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 13 of 13
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