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How low will it go?????

sarge12
Senior Contributor

Re: How low will it go?????

My takeaway from all this...earlier versions of fico, which were already lower, hardly noticed the changes. Fico 09 was a bit concerned, and Fico 08 took me to the woodshed. The question of how low it will go, has now been answered. Was it all worth it? Yes, to me, without a doubt. I will be interested in what the members here think.

TU fico08=844 09/16/21
EX fico08=833 09/16/21
EQ fico09=829 09/16/21
EX fico09=823 09/16/21
EQ fico bankcard08=864 09/16/21
TU Fico Bankcard 08=879 09/16/21
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 31 of 33
jamie123
Valued Contributor

Re: How low will it go?????

It all depends on your definition of "taken to the woodshed".

 

I think you did great!

You used your high scores to get a much needed auto loan with low interest rates and paid off your mortgage which is a super great lifetime achievement!

 

Your scores are still in the high 700s and will climb higher with time.

I say good job! Well done!


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 32 of 33
sarge12
Senior Contributor

Re: How low will it go?????


@jamie123 wrote:

It all depends on your definition of "taken to the woodshed".

 

I think you did great!

You used your high scores to get a much needed auto loan with low interest rates and paid off your mortgage which is a super great lifetime achievement!

 

Your scores are still in the high 700s and will climb higher with time.

I say good job! Well done!


Thanks, and the only thing I did that I have some buyers remorse about is the Synchrony Paypal card. At the time, my attraction was the convenience of paypal as many online shops use paypal as the online payment method. Upon further reflection, I could have set the Citi double  cash as the default credit card for paypal, so I really do not see that anything was gained by the Synchrony exposure. I feel I could have used the pull for a more advantageous offer, but ti really is not a big deal. It also added another wrinkle that undoubtedly caused a little of the score drop, which prevents me from clearly defining the loss solely from the mortgage and auto loan. Based on past card apps it was likely only a small factor though.

TU fico08=844 09/16/21
EX fico08=833 09/16/21
EQ fico09=829 09/16/21
EX fico09=823 09/16/21
EQ fico bankcard08=864 09/16/21
TU Fico Bankcard 08=879 09/16/21
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 33 of 33
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