I Made It! 800 FICO 8 With Only Credit Cards!

Varsity_Lu · ‎03-10-2025

Officially made it to 800 today with Equifax! I have a total of 5 personal credit cards, no mortgage, no car loans, no student loans, and none of those fake SSL loans, either. (That was just a joke...don't get offended if you have one.) A long time closed but still reporting Lowe's card is helping, I'm sure.

I actually hit 812 with TransUnion late last summer based on the letter Huntington sent me when I applied for a Voice card. But 4 new cards in less than a year caused a major score dip. Last new account was in November, so I'm still being hit with the new account penalty. Can't wait to see what happens when that falls off.

FICO® 8: 806 (Eq) · 794 (Ex) · 812 (TU)

BallBounces · ‎03-10-2025

Exceptional.

FICO 8 Scores for April 2025:

Do you know your SuperFICO?

Patient957 · ‎03-10-2025

Huge congrats!

Rebuild2019 · ‎03-10-2025

Congratulations @Varsity_Lu

FlaDude · ‎03-10-2025

Congrats on the accomplishment!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k

Creditwiser · ‎03-10-2025

Congrats and welcome to the 800 club !

JoeRockhead · ‎03-10-2025

Nicely done, congratulations!

FicoMike0 · ‎03-10-2025

Congratulation!

800 is my goal too. I checked today, my fico8s are,

Eq 809, tu 800, ex 797. Last month ex was 800, tu was 794. There's always a holdout.

nytokyobred79 · ‎03-10-2025

Congratulations.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

boxmover · ‎03-12-2025

Congratulations on your amazing accomplishment!

Working towards decent Fico 5,4,2 scores and reducing DTI.
Goals: Mortgage in Summer 2025. No CC or unsecured loans by Winter 2025.