@MudkipsRKooL wrote:Hi guys,
Been here quite awhile now and been reading those 800 score goals. I started only seriously to look at my credit score 3 years ago. I didn't take it serious until 2 years ago when I applied for Chase Freedom with CK and found this whole hobby of credit card collecting and FICO scores. Anyways read a bunch of threads and topic on "how to get to 800 FICO score" and how some 19 year olds do it. Anyways I doubt my profile can achieve it, since I'm still trying to get 2 more cards (delay another year?) Anyways credit card estimators are pretty accurate so far, 2 of them predicted I would be 771 by this time and I am, coming from a score of 760, which AAoA hitting 2+ year and AoYA hitting 12+ months and dropping off 1 inquiry. Anyways In 18+ months I would be 795 if I don't apply for any more cards. I know most people say anything over 760 is useless, but yea I really want to be in the 800 club since me and a friend we both started our credit journey 10 years ago. Unfortunately for me I left my credit union inactive and they closed it about 6 years ago, meanwhile my friend whom we both started at the same time he's sitting at 815-820. Anyways, jeaslous aside do you guys think it's possible for me to achieve 800 score in less or about 2 years? I've been hovering around 740-760s for awhile now and it's fustrating. Considering I was 710-735 about 2-3 years ago, progress have been slow because of my credit seeking.
Here's my current datapoints:
Oldest Account: 4 years 6 months
AAoA: 2 years 3 months
# of credit revolvers: 5
Car loan: 1
Finally I was able to hit 780s awhile back with 3 credit cards only on Transunion score with AAoA of 3+ years, but since haven't had such luck. Any advice/encouragement would be great.
I think you can hit the 800's within a year or two if you keep your utilization very low, pay your car loan down to 9% of the original loan amount, and make no credit applications or applications for anything that could cause a hard pull.
@MudkipsRKooL wrote:Hi guys,
Been here quite awhile now and been reading those 800 score goals. I started only seriously to look at my credit score 3 years ago. I didn't take it serious until 2 years ago when I applied for Chase Freedom with CK and found this whole hobby of credit card collecting and FICO scores. Anyways read a bunch of threads and topic on "how to get to 800 FICO score" and how some 19 year olds do it. Anyways I doubt my profile can achieve it, since I'm still trying to get 2 more cards (delay another year?) Anyways credit card estimators are pretty accurate so far, 2 of them predicted I would be 771 by this time and I am, coming from a score of 760, which AAoA hitting 2+ year and AoYA hitting 12+ months and dropping off 1 inquiry. Anyways In 18+ months I would be 795 if I don't apply for any more cards. I know most people say anything over 760 is useless, but yea I really want to be in the 800 club since me and a friend we both started our credit journey 10 years ago. Unfortunately for me I left my credit union inactive and they closed it about 6 years ago, meanwhile my friend whom we both started at the same time he's sitting at 815-820. Anyways, jeaslous aside do you guys think it's possible for me to achieve 800 score in less or about 2 years? I've been hovering around 740-760s for awhile now and it's fustrating. Considering I was 710-735 about 2-3 years ago, progress have been slow because of my credit seeking.
Here's my current datapoints:
Oldest Account: 4 years 6 months
AAoA: 2 years 3 months
# of credit revolvers: 5
Car loan: 1
Finally I was able to hit 780s awhile back with 3 credit cards only on Transunion score with AAoA of 3+ years, but since haven't had such luck. Any advice/encouragement would be great.
It all depends on what your goals are. Waiting for 800 scores can take some patience. That means no HP inquiries and new accounts. You are in a position to achieve it.
You will have to determine what is more useful for you, high scores, available credit lines, SUB Sign Up Bonus, cash back categories, points, etc?
A compromise is apply for the cards you want that would be useful for your spend. Then, you can sit in the garden to let your scores grow.
A year ago and some months my cedit score was 681, had debt and lots of cards with balances. My only card was Cap1 and was 5 years old. Did a credit spree for 7 new cards and a personal loan....Its taking me about a year to hit 800. It can be done with some planning....You can do it!!!
