My Very First 800 FICO!! \ (•◡•) /

thornback · ‎02-11-2020

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.

Gardening works folks... though my EQ is still struggling overall due to inquiries (that's the only thing I can point to as to why classic version 8 so much lower than the others) but I have several becoming unscoreable within the next couple of months so we'll see what happens.

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.

Remedios · ‎02-11-2020

Looking pretty over there!

Congrats

thornback · ‎02-11-2020

@Remedios wrote:
Looking pretty over there!

Congrats

Thank you!!

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.

seattletravels · ‎02-11-2020

Congratulations! What are your other scores?

BECU Visa : $40,000 Date Opened: 02/2020

Delta Reserve : $20,000 Date Opened: 01/2020

Amex Blue Cash Preferred : $19,900 Date Opened : 07/2013

Chase Freedom Unlimited : $19,300 Date Opened : 02/2020

Citi Double Cash : $19,000 Date Opened : 06/2015

B of A Cash Rewards : $16,000 Date Opened : 12/2013

Barclaycard Ring : $10,000 Date Opened : 06/2017

Citi Simplicity : $9,000 Date Opened : 10/2011

Commerce Special Connections : $8,000 Date Opened 04/2015

Discover It : $7,100 Date Opened : 04/2013

Marriott Bonvoy Boundless : $5,500 Date Opened 07/2013

Delta Platinum : $2,000 Date Opened : 08/2018

Last App: BECU 02-26-2020
Pronouns: He/Him/His

thornback · ‎02-11-2020

@seattletravels wrote:
Congratulations! What are your other scores?

Thanks!

Other scores as of today...

FICO 8

EX: 780 EQ: 758 TU: 775

FICO 9

EX: 793 EQ: 780 TU: 778

Mortgage

FICO 5: 729

FICO 4: 708

FICO 2: 731

Auto

EX Auto Score 2: 735

EQ Auto Score 5: 729

TU Auto Score 4: 712

EX Auto Score 8: 770

EQ Auto Score 8: 760

TU Auto Score 8: 778

EX Auto Score 9: 796

EQ Auto Score 9: 786

TU Auto Score 9: 781

Bankcard

EX Bankcard Score 2: 727

EQ Bankcard Score 5: 741

TU Bankcard Score 4: 717

EX Bankcard Score 8: 789

EQ Bankcard Score 8: 768

TU Bankcard Score 8: 792

EX Bankcard Score 9: 800

EQ Bankcard Score 9: 788

TU Bankcard Score 9: 786

EX Score 3: 715

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.

seattletravels · ‎02-11-2020

Getting close on all of them! I wonder what the difference is on the earlier versions.

Last App: BECU 02-26-2020
Pronouns: He/Him/His

AllZero · ‎02-11-2020

Congratulations on your success!

newfossil · ‎02-11-2020

congratulations!!!

Starting score - May 2018

April 2021

AAoA - 1 year 6 months

donkort · ‎02-11-2020

Congratulations.

FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022

Anonymous · ‎02-11-2020

That's awesome! Congratulations on your 800 👍