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I finally broke 800!!!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

I finally broke 800!!!

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%. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $7300 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $154,300

EQ - 760 / TU - 801 / EX - 748
Message 1 of 16
15 REPLIES 15
Super Contributor

Re: I finally broke 800!!!


@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 Smiley Happy



FICO8 EQ 749 TU 779 EX 744 Total revolving limits 671300 (560300 reporting)
Message 2 of 16
Valued Contributor

Re: I finally broke 800!!!

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...
March 2019: EX8: 850; EQ8: 850; TU8: 850 -- Thank you very much to this community!!
In My Wallet: Discover $73.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $18K; Citi Costco $13.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $18K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $263K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 3 of 16
Moderator Emeritus

Re: I finally broke 800!!!

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.




        
Message 4 of 16
New Contributor

Re: I finally broke 800!!!

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

Message 5 of 16
Super Contributor

Re: I finally broke 800!!!

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
Message 6 of 16
Community Leader
Super Contributor

Re: I finally broke 800!!!

Congrats!
Message 7 of 16
Regular Contributor

Re: I finally broke 800!!!

Awesome.....Congratulations!  




FICO 8 as of 04/09/19 :




FICO 9 as of 04/09/19 :


Message 8 of 16
Super Contributor

Re: I finally broke 800!!!

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?

Message 9 of 16
Established Member

Re: I finally broke 800!!!

Congrats ! 

3/2019
Ex Fico 8 = 633
Eq Fico 8 = 626
T Fico 8 = 784
Mortgage Middle Score = 692
Message 10 of 16