One 850 down, two to go.

[Anonymous]

With my AoYA reaching 1 year today, I reached my first FICO 08 score of 850 on TU.

Relevant data:

AoOA = 17.2 years

AAoA = 7.5 years

AoYA = 1 year

Aggregate utilization = 2%, AZEO card (1 of 7 cards) is at 28% utilization

1 scoreable inquiry still present until tomorrow when it reaches 1 year.

I guess I'll have a little bit of a buffer there once the inquiry comes off.  Also I know on some profiles having an AZEO card between 9%-28.9% can result in a score ding, where on other profiles it doesn't.  I haven't tested this enough on my profile to know, but there's a chance that a little bit more of a buffer may be possible if I take my AZEO card down below 8.9%. 

Looking forward to seeing inquiries become unscoreable tomorrow on EX and EQ.  I'll post a nice data point thread in the next couple of days, as I've had a good number of changes happening over the course of the last week or so.

[Anonymous]

WoW... CONGRATULATIONS on your hard work.

Very inspiring. Thanks for all you do to help us aspire to 850.

[Anonymous]

My first (and only) 850 was a few months ago with TU.  I may have an 850 with EQ but I don't know since I just use Citi to see EQ.

[sarge12]

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@Anonymous wrote:

My first (and only) 850 was a few months ago with TU.  I may have an 850 with EQ but I don't know since I just use Citi to see EQ.

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I have yet to see 850....and this entire thread is causing the green eyed monster to rear it's ugly head. CGID...congrats to you and BBS on that achievment.

[Anonymous]

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@Anonymous

My first (and only) 850 was a few months ago with TU.  I may have an 850 with EQ but I don't know since I just use Citi to see EQ.

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What's your Citi (EQ BE) score?  I'm curious to see what mine is when it updates next week. 

[Anonymous]

881

[Anonymous]

How about a CCT $1 trial to see where your EX/EQ 08's stand?  Actually, I'm sure you have your EX from creditscorecard already.

[EW800]

Congrats, BBS!  Way to go!

[Anonymous]

Nifty   Great

[Thomas_Thumb]

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@Anonymous wrote:

How about a CCT $1 trial to see where your EX/EQ 08's stand?  Actually, I'm sure you have your EX from creditscorecard already.

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@Anonymous wrote:

How about a CCT $1 trial to see where your EX/EQ 08's stand?  Actually, I'm sure you have your EX from creditscorecard already.

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BBS - Nice work on getting to 850. What were/are your EQ and EX Fico 8 scores? What are the scores on all 3 CRAs now?

Another good data point on the influence of reaching 12 months for AoYA. Can you summarize before/after 1 year AoYA Fico 8 scores for each CRA?

I know you asked for predictions on this in another thread. My prediction was two 850s and one 845. Curious how the prediction compares to actual results. http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-will-my-FICO-8-s-be-in-3-months/m-p/5163071#M135118