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My Very First 800 FICO!! \ (•◡•) /

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thornback
Senior Contributor

Re: My Very First 800 FICO!! \ (•◡•) /


@Anonymous wrote:

Congrats!

 

800 is wonderful. 

Hard work....and patience (saw your siggy lol) def pays off!


It really is lovely to see (even if it is on the "out of 900" scale Smiley Happy )   Thank you!! 

And yes, as difficult as it can be, patience absolutely pays off -- & that's exactly why I keep that quote in my siggy, as a reminder. 

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.
Message 21 of 61
Anonymous
Not applicable

Re: My Very First 800 FICO!! \ (•◡•) /


@thornback wrote:

@Anonymous wrote:

Congrats! Super jealous of that EX2!


haha really?  That's not even a score I think about much... 

Thank you!


A lot of CUs use it. It's one of my worst. 694 2 mortgage, 644 2 auto, 679 2 bankcard. 

Message 22 of 61
thornback
Senior Contributor

Re: My Very First 800 FICO!! \ (•◡•) /


@Anonymous wrote:

@thornback wrote:

@Anonymous wrote:

Congrats! Super jealous of that EX2!


haha really?  That's not even a score I think about much... 

Thank you!


A lot of CUs use it. It's one of my worst. 694 2 mortgage, 644 2 auto, 679 2 bankcard. 


Ah... gotcha.  That's how I feel about EX 3.  It's the only one that is consistently low and it's the one USAA chooses to use.   But I plan to expand my CU portfolio so I'm glad you mentioned EX2s being a fave... I'll have to tend to them a bit more I guess... 

 

 

 

 

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.
Message 23 of 61
Anonymous
Not applicable

Re: My Very First 800 FICO!! \ (•◡•) /

You deserve to get excited over that! I would be happy with your FICO 8 scores alone!

Message 24 of 61
thornback
Senior Contributor

Re: My Very First 800 FICO!! \ (•◡•) /


@Anonymous wrote:

You deserve to get excited over that! I would be happy with your FICO 8 scores alone!


Awww thanks Cassie!  And you'll get there -- as a FICO Pro to boot - you have more insight into your scores than just about anyone else here so I have no doubt you'll reach FICO perfection in short order.   

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.
Message 25 of 61
Anonymous
Not applicable

Re: My Very First 800 FICO!! \ (•◡•) /


@thornback wrote:

@Anonymous wrote:

You deserve to get excited over that! I would be happy with your FICO 8 scores alone!


Awww thanks Cassie!  And you'll get there -- as a FICO Pro to boot - you have more insight into your scores than just about anyone else here so I have no doubt you'll reach FICO perfection in short order.   


That's such a nice thing to say. Thank you! You're an inspiration to rebuilders everywhere!

Message 26 of 61
thornback
Senior Contributor

Re: My Very First 800 FICO!! \ (•◡•) /


@Anonymous wrote: 

That's such a nice thing to say. Thank you! You're an inspiration to rebuilders everywhere!


Thank you again -- & Okay... enough with the sappiness... lol,  this thread is suddenly getting way too emotional!!  

 

Related image

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.
Message 27 of 61
Drwaz99
Established Contributor

Re: My Very First 800 FICO!! \ (•◡•) /

Niiiiice! Congrats! 

Message 28 of 61
Anonymous
Not applicable

Re: My Very First 800 FICO!! \ (•◡•) /

I'm SUPER late to this thread, but, CONGRATS thornback!!! Smiley Happy 

Message 29 of 61
Trudy
Valued Contributor

Re: My Very First 800 FICO!! \ (•◡•) /


@thornback wrote:

Hi All!! 

 

I finally hit 800 on FICO --  Experian FICO Bankcard Score 9 to be exact.   My very first time ever hitting 800 on any credit score so I'm very happy - and it's exactly 800, lol, no wiggle room at all so it won't last as I have a high balance that will report in a couple of days so... whatever, I'm going to enjoy & celebrate it while it lasts

As you should!  Congrats!

FICO - 8: 05/05/23
Message 30 of 61
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