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Only 24 points away

Imhotrodcrazy
Valued Contributor

Only 24 points away

From a perfect score of 850 on EQ.  I wonder if I will ever see it.  I got a 5 point bump today.  No more cards or inquiries as I am on a mission now.  MVV is my hero with 850 scores across the board.  If I can get just one 850 score I will be doing back flips,  even at my age.  Smiley Very Happy

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 1 of 6
5 REPLIES 5
NRB525
Super Contributor

Re: Only 24 points away

Congratulations!

What is your total amount outstanding on your CC, and then your utilization percentage across all those cards?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
Message 2 of 6
MarineVietVet
Moderator Emeritus

Re: Only 24 points away


@Imhotrodcrazy wrote:

From a perfect score of 850 on EQ.  I wonder if I will ever see it.  I got a 5 point bump today.  No more cards or inquiries as I am on a mission now.  MVV is my hero with 850 scores across the board.  If I can get just one 850 score I will be doing back flips,  even at my age.  Smiley Very Happy


Hey HR!!

 

It seems to definitely be easier to get to 850 under FICO 8.

 

I'm confident you'll make it.

Message 3 of 6
Imhotrodcrazy
Valued Contributor

Re: Only 24 points away


@NRB525 wrote:

Congratulations!

What is your total amount outstanding on your CC, and then your utilization percentage across all those cards?


Total CL's  are $123K  and I owe only about $400.  So,  util is basically  0%.

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 4 of 6
Imhotrodcrazy
Valued Contributor

Re: Only 24 points away


@MarineVietVet wrote:

@Imhotrodcrazy wrote:

From a perfect score of 850 on EQ.  I wonder if I will ever see it.  I got a 5 point bump today.  No more cards or inquiries as I am on a mission now.  MVV is my hero with 850 scores across the board.  If I can get just one 850 score I will be doing back flips,  even at my age.  Smiley Very Happy


Hey HR!!

 

It seems to definitely be easier to get to 850 under FICO 8.

 

I'm confident you'll make it.


Hi there MVV,

 

I hope you are right.  It has been a long road so far trying to get there. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 5 of 6
NRB525
Super Contributor

Re: Only 24 points away


@Imhotrodcrazy wrote:

@NRB525 wrote:

Congratulations!

What is your total amount outstanding on your CC, and then your utilization percentage across all those cards?


Total CL's  are $123K  and I owe only about $400.  So,  util is basically  0%.


Wow, really, $400?

Ok, then I'm going to hazard a guess that this is going to take a while. My theory on getting to 850 is that it must include reducing borrowing to near zero, so that your risk of default is, literally, zero. If you are already there with utilization, then only time and payment history remains to complete this. Then the question becomes, how much time?

 

How long have you been at your current scores? What were they 12 months ago, for comparison?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
Message 6 of 6
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