Hey everyone i am just soooooo happy that i just got my score to 760 on transunion today that i can cry.i started reading this forums since july 2007 and i have learn so much from everybody and i wanna say thanks a million to all of you reading this post.my starting fico back on 07 was 592.this a glimpse of my report today.if you guys can give advise on how to get it to 800 i would be thankful for ever!!! MY FICO YOU ROCK!!!
FICO® Score Summary
Your TransUnion FICO® score: 760
On March 5, 2010
Your TransUnion FICO® score is great
Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
- FICO® Scores range between 300 and 850
- Higher scores are better scores
- The higher your score, the more favorably lenders look upon you as a credit risk
Your TransUnion FICO® score is based on the information in your TransUnion credit report. Below are factors in your credit report that are hurting or helping your score:
FICO® score ingredients How you rate
Payment historyYour history of paying bills on time.
Amount of debtYour total amount of outstanding debt.
Length of credit historyHow long you've had credit.
Amount of new creditAmount of credit you've recently obtained or applied for.
- TransUnion
- Your FICO® Reports from March 5, 2010:
760A FICO® score of 760 is above average. Most lenders would consider scores in this range as excellent, and an indication that you are a very dependable borrower. Based on your score alone, you might expect the following:
- It is very unlikely your application for credit cards or for a mortgage or auto loan would be turned down, based on your score alone.
- You should be able to obtain relatively high credit limits on your credit card.
- Most lenders will consider offering you their most attractive and most competitive rates.
- Many lenders will also offer you special incentives and rewards targeted to their "best" customers.
How FICO® scores relate to rates and monthly payments
AccountsCompany Account number Date opened Balance Status Paid Late? 
Applied Bank XXXXXXXXXXXX 10/2001 $1,656 Charged off as bad debt No Details Target National Bank XXXXXXXXXXXX 9/2001 $691 Paid or paying as agreed No Details Chase Bank Usa Na XXXXXXXXXXXX 9/2007 $20 Paid or paying as agreed No Details Sst/Columbus Bank & Trus XXXXXXXXXXXX 7/2001 $8 Paid or paying as agreed No Details Sst/Columbus Bank & Trus XXXXXXXXXXXX 4/2001 $8 Paid or paying as agreed No Details Capital One Bank Usa Na XXXXXXXXXXXX 10/2007 $8 Paid or paying as agreed No Details Hooters Card/Merrick Ban XXXXXXXXXXXX 10/2007 $4 Paid or paying as agreed No Details Citi Cards/Cbsd Na XXXXXXXXXXXX 10/2007 $0 Paid or paying as agreed No Details 
Hsbc Taxmasters XXXXXXXX0909 1/2007 $0 Paid or paying as agreed No Details 
Citifinancial Auto XXXXXX0501 8/2007 $18,968 Paid or paying as agreed No Details Westlake Financial Servi XX5827 3/2005 $0 Paid or paying as agreed No Details Wfs/Wachovia Dealer Serv XXXXXXXX0004 10/2006 $0 Paid or paying as agreed No Details
Mortgage rates as of March 5, 2010
FICO® score APR [?] Monthly payment * 760-850 4.652% $1,289 700-759 4.875% $1,323 680-699 5.054% $1,350 660-679 5.269% $1,383 640-659 5.703% $1,451 620-639 6.253% $1,540
AccountsCompany Account number Date opened Balance Status Paid Late? Applied Bank XXXXXXXXXXXX 10/2001 $1,656 Charged off as bad debt No Details Target National Bank XXXXXXXXXXXX 9/2001 $691 Paid or paying as agreed No Details Chase Bank Usa Na XXXXXXXXXXXX 9/2007 $20 Paid or paying as agreed No Details Sst/Columbus Bank & Trus XXXXXXXXXXXX 7/2001 $8 Paid or paying as agreed No Details Sst/Columbus Bank & Trus XXXXXXXXXXXX 4/2001 $8 Paid or paying as agreed No Details Capital One Bank Usa Na XXXXXXXXXXXX 10/2007 $8 Paid or paying as agreed No Details Hooters Card/Merrick Ban XXXXXXXXXXXX 10/2007 $4 Paid or paying as agreed No Details Citi Cards/Cbsd Na XXXXXXXXXXXX 10/2007 $0 Paid or paying as agreed No Details Hsbc Taxmasters XXXXXXXX0909 1/2007 $0 Paid or paying as agreed No Details Citifinancial Auto XXXXXX0501 8/2007 $18,968 Paid or paying as agreed No Details Westlake Financial Servi XX5827 3/2005 $0 Paid or paying as agreed No Details Wfs/Wachovia Dealer Serv XXXXXXXX0004 10/2006 $0 Paid or paying as agreed No DetailsInquiries
You have no inquiries affecting your FICO® score.
An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times in the 12 months prior to the date of this report that a lender has checked your credit at TransUnion. Most likely, these inquiries appear because you applied for credit with that lender. Inquiries associated with applying for new credit are typically the only kind of inquiry that will impact your FICO® score.
Having multiple inquiries can hurt your FICO® score because research has shown that multiple inquiries can represent greater risk to a lender. A single inquiry, however, will have little or no impact on your score. In general, inquiries contribute to less than 10% of your FICO® score.
You have no inquiries affecting your FICO® score
