Just hit 850 on TU8

Anonymous · ‎01-16-2020

Just hit 850 on transunion fico 8

Screenshot shows 12 months of history to see the climb

Oldest account happens to be Discover opened Dec 2006, which 13 years

Funny thing is, the disco scorecard for the last 11 months all showed 13 years as oldest acct, not sure why

EDIT: found this walmart card on my report that has been closed but is still reporting

Date Opened Jan 24, 2006
Date Reported May 21, 2014

So Age should be 14 year, 0 months (perhaps 13yr,11mo)

5 accts opened July 2018, and a 6th in March of 2018

other DPs ...

roughly 39% left on mortgage from 2011

paid off 2 car loans sept/oct of 2019

no other loans

3% current utilization

4 sp CLI in the past couple weeks

big drop in score a year ago was 88% util on my NFCU card which last report was at 8.4%

other scores in sig below

thornback · ‎01-16-2020

Big Congratulations!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.