@EW800 wrote:Following some very ugly times, I was able to get 850's across the board for FICO 8 by having an open auto loan and doing the AZEO on credit cards. I was able to maintain that for a couple/few years, however got whacked 10-12 points or so when paying off the auto loan and entering into a mortgage. I am trying now to get them back to 850. I know it really does not make much difference, but just kind of a fun goal I have to get back to the 850's.
If I was to have left things alone I would have most likely gotten up to, or very near 850 by some time later this year, however, in the immortal words of the late great Red Skelton, "If I dood it, I gits a whoopin'. I dood it." Yeah, applied for a mortgage this week, they pulled my credit earlier today; no change in scores yet, but I expect that will come. 
@Horseshoez wrote:
@EW800 wrote:Following some very ugly times, I was able to get 850's across the board for FICO 8 by having an open auto loan and doing the AZEO on credit cards. I was able to maintain that for a couple/few years, however got whacked 10-12 points or so when paying off the auto loan and entering into a mortgage. I am trying now to get them back to 850. I know it really does not make much difference, but just kind of a fun goal I have to get back to the 850's.
If I was to have left things along I would have most likely gotten up to, or very near 850 by some time later this year, however, in the immortal words of the late great Red Skelton, "If I dood it, I gits a whoopin'. I dood it." Yeah, applied for a mortgage this week, they pulled my credit earlier today; no change in scores yet, but I expect that will come.
I just got my EX FICO8 score back up to 850 this month after my newest account aged past 1 year. EQ and TU are still several points behind. My portfolio is different from yours in that I no longer have an open loan. So, I'm not sure if I will ever be able to get back to 850s across the board no matter how long I wait. I'm also planning to apply for a new credit card (SUB chasing) in less than 2 weeks, so my single 850 will soon be gone.
@NoHardLimits wrote:
@Horseshoez wrote:
@EW800 wrote:Following some very ugly times, I was able to get 850's across the board for FICO 8 by having an open auto loan and doing the AZEO on credit cards. I was able to maintain that for a couple/few years, however got whacked 10-12 points or so when paying off the auto loan and entering into a mortgage. I am trying now to get them back to 850. I know it really does not make much difference, but just kind of a fun goal I have to get back to the 850's.
If I was to have left things along I would have most likely gotten up to, or very near 850 by some time later this year, however, in the immortal words of the late great Red Skelton, "If I dood it, I gits a whoopin'. I dood it." Yeah, applied for a mortgage this week, they pulled my credit earlier today; no change in scores yet, but I expect that will come.
I just got my EX FICO8 score back up to 850 this month after my newest account aged past 1 year. EQ and TU are still several points behind. My portfolio is different from yours in that I no longer have an open loan. So, I'm not sure if I will ever be able to get back to 850s across the board no matter how long I wait. I'm also planning to apply for a new credit card (SUB chasing) in less than 2 weeks, so my single 850 will soon be gone.
As I understand it, if you let things age long enough, even in the absence of a loan one can still hit 850. That said, and as you already know, SUB chasing will make 850 an elusive goal.
@Horseshoez wrote:
@NoHardLimits wrote:
@Horseshoez wrote:
@EW800 wrote:Following some very ugly times, I was able to get 850's across the board for FICO 8 by having an open auto loan and doing the AZEO on credit cards. I was able to maintain that for a couple/few years, however got whacked 10-12 points or so when paying off the auto loan and entering into a mortgage. I am trying now to get them back to 850. I know it really does not make much difference, but just kind of a fun goal I have to get back to the 850's.
If I was to have left things along I would have most likely gotten up to, or very near 850 by some time later this year, however, in the immortal words of the late great Red Skelton, "If I dood it, I gits a whoopin'. I dood it." Yeah, applied for a mortgage this week, they pulled my credit earlier today; no change in scores yet, but I expect that will come.
I just got my EX FICO8 score back up to 850 this month after my newest account aged past 1 year. EQ and TU are still several points behind. My portfolio is different from yours in that I no longer have an open loan. So, I'm not sure if I will ever be able to get back to 850s across the board no matter how long I wait. I'm also planning to apply for a new credit card (SUB chasing) in less than 2 weeks, so my single 850 will soon be gone.
As I understand it, if you let things age long enough, even in the absence of a loan one can still hit 850. That said, and as you already know, SUB chasing will make 850 an elusive goal.
Well, I can definitely confirm that an FICO8 EX 850 is possible without an open loan. But, I'm not so sure about TU or EQ.
