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I just hit 828

New Member

I just hit 828

Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

 

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

 

8 REPLIES
Valued Contributor

Re: I just hit 828


@ArthurMorgan wrote:

Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

 

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

 


Welcome @ArthurMorgan!! WIth those scores, amy be you could stick around and help give others like me pointers! Smiley Wink  Great job with your scores.  I agree, there is valuable info on this site that is very helpful. 

 

I don't know what I can tell you about how to stay at the level you are at, as I have never had my scores that high yet.  I can't speak from experience.  So, I would only say keep doing whatever got you there and try not to do too much that can cause any negative impact if you want to maintain those scores. 

                                 

Total Credit: $218,900Credit Utilization: 1%AAoA: 5 years, 5 monthsInstallments: Car Lease, Marcus LoanNegatives: 0


                                                                                              
                      DSC-27.1K | NFC-25K | ALI-25k | WAL-10k | BoA-22k | BB-12k | NFL-15k | LOW-35k | AMX-19.3k | CHA-10k | PF-8.8k | C-DC-9.7k
Message 2 of 9
Valued Contributor

Re: I just hit 828

Congratulations on achieving your current score and welcome to the MyFICO forums!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 9
Regular Contributor

Re: I just hit 828

Welcome to myFico Forums.





RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel
Message 4 of 9
New Member

Re: I just hit 828

RonM21 Pay them on time and not carry any balance. I will try to keep the hard pull 1 or less annually thanks! 

Message 5 of 9
Valued Contributor

Re: I just hit 828


@ArthurMorgan wrote:

RonM21 Pay them on time and not carry any balance. I will try to keep the hard pull 1 or less annually thanks! 


LOL I was just about to post the same answers to you for keeping the scores in 800s. Never pay late and app minimally is the key, carrying balance if needed or for 0% offers leading to higher UTI is ok as long it's temporary, as UTI has no memory
Message 6 of 9
Valued Contributor

Re: I just hit 828

Fantastic scores, just keep doing what you are doing and they will climb higher.

FICO 08
TU 842 12/8/18
EX 840 12/8/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 7 of 9
Frequent Contributor

Re: I just hit 828


@ArthurMorgan wrote:

Long term reader and never a created login. This site has some great information. I have 828-830 FICO and other three bureaus. around 800-820. https://i.imgur.com/zVB5GZy.png

 

What are things I should look to make sure I stay in this levels? I monitor my expenses and cash flow very closely.

 


Lol, don't catch tuberculosis, congrats on those amazing scores!

FICOs: EQ - 714 / TU - 721 / EX - 717
Garden: 11/1/18 / 19%
Profile: Aaoa - 4.6y / Aooa - 13y / Aoya - 1m
Wallet:
"An investment in knowledge pays the best interest." - BF
Message 8 of 9
Valued Contributor

Re: I just hit 828

Overall utilization under 8.9% and no new accounts will keep you at that score range.

 

WElcome to the fourms




FICO 8 scores 10/2018
EX-776
TU-708
EQ-706
Message 9 of 9