Re: I finally broke 800!!!

masscredit · ‎02-10-2019

I remember my low score of 525 after life took a nose dive and now I've exited the end the tunnel. The pastures are green, the sun is shining and my TU score is 801! That came after a 9 point gain. I added another card to my profile and a $28K auto loan. 1HP for the two accounts. The auto loan is in addition to another one that has a $2200 balance. I expected to lose a few points when those accounts started reporting. Total credit card utilization is at 10% with 3 cards reporting. One is for monthly expenses that is always PIF and the other two are taking advantage of 0% offers. The highest single card utilization is 42%.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500

SouthJamaica · ‎02-10-2019

@masscredit wrote:
I remember my low score of 525 after life took a nose dive and now I've exited the end the tunnel. The pastures are green, the sun is shining and my TU score is 801! That came after a 9 point gain. I added another card to my profile and a $28K auto loan. 1HP for the two accounts. The auto loan is in addition to another one that has a $2200 balance. I expected to lose a few points when those accounts started reporting. Total credit card utilization is at 10% with 3 cards reporting. One is for monthly expenses that is always PIF and the other two are taking advantage of 0% offers. The highest single card utilization is 42%.

Congratulations

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

EW800 · ‎02-10-2019

Congratulations on the major score improvements and breaking into the 800’s. Isn’t it a great feeling! You almost certainly gain even more points as you get the 42% Util down.

Congrats!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Revelate · ‎02-10-2019

Congrats dude! I know you've been working on that for a long time.

Now just don't have a booboo like I did and lose it heh.

Nayola · ‎02-10-2019

Woohoo!!! Congrats. I know that feels so nice :-)

NRB525 · ‎02-10-2019

Congrats! That is an excellent result from all the effort to rebuild!

The 42% utilization shows you can still have an excellent score with some borrowing. And that is one purpose of getting to an excellent score.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Remedios · ‎02-10-2019

Congrats!

Trudy · ‎02-10-2019

Awesome.....Congratulations!

FICO - 8: 05/05/23

Anonymous · ‎02-10-2019

MC, congrats on hitting that eight-hundo milestone!

Prior to your AoYA drop to 0 months here, what was your AoYA prior? I'm thinking it must have been < 12 months, as if not your scores would likely have taken a 15-20 points penalty?

Fico82 · ‎02-10-2019

Congrats !

I finally broke 800!!!

Get your FICO® Score for free

I finally broke 800!!!