Re: My Experian Fico8 is now 775!!!

Flex1 · ‎01-08-2019

This is awesome because Experian is my lowest Fico8.

calyx · ‎01-08-2019

That's awesome, huge congrats!

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO

19eighty5 · ‎01-09-2019

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Nayola · ‎01-09-2019

Congratulations. It feels good when you see your scores getting higher and higher!

Priory_Man · ‎01-09-2019

One day I will post this type of pic. Congratulations, very well done.

"Total revolving credit $286,000 Current UTIL >1%"

Anonymous · ‎01-09-2019

What was your score previously and what changed causing the increase?

Flex1 · ‎01-09-2019

@Anonymous wrote:
What was your score previously and what changed causing the increase?

It was 751. I believe AZEO caused the increase.

EW800 · ‎01-09-2019

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. .

Anonymous · ‎01-09-2019

@Flex1 wrote:
@Anonymous wrote:
What was your score previously and what changed causing the increase?
It was 751. I believe AZEO caused the increase.

What did your accounts with balances and utilization percentages look like before you moved to AZEO?

Flex1 · ‎01-09-2019

I had no balances reporting at all. I've always paid everything off in full, usually within days of using cc. Sometimes I'd pay on the same day, if allowed. Not all cards let me do this. I started AZEO recently.

My Experian Fico8 is now 775!!!

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My Experian Fico8 is now 775!!!