I've been working on my rebuild since 2008. It got so bad I was ashamed to let anyone check my credit. What was once 820 plus was now probably 400 range. When I did get courage 7 years had taken nickel and dime collections off. The bank loaned me the amount off my savings like a secured loan to pay all the rest like 6000. Helped me in 2 ways loan and now all negatives would be gone.
At that time or pull it was 533 as we pulled to see what we had to work with. In a year I went back it was 667 and even lady at bank surprised to see it move that good that quick. Onward up I went paying bills perfect where since 2008 not a single late. Use all credit cards every month pay all off except 1 but still can't get it to crack 800. 776 is highest so far but I stay Dead ahead. Lender told me wasted points I told him it was more about me at this point. Any suggestions to get it to crack past 800 ? After 720 banker told me they care less with meltdown of Financials years ago it's all about income.
Thanks
At that time or pull it was 533 as we pulled to see what we had to work with. In a year I went back it was 667 and even lady at bank surprised to see it move that good that quick. Onward up I went paying bills perfect where since 2008 not a single late. Use all credit cards every month pay all off except 1 but still can't get it to crack 800. 776 is highest so far but I stay Dead ahead. Lender told me wasted points I told him it was more about me at this point. Any suggestions to get it to crack past 800 ? After 720 banker told me they care less with meltdown of Financials years ago it's all about income.
Thanks
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !! 
When I joined MyFICO, scores as shown in October. Then through various apps and BT that were moving around since last summer, the scores hit a low point in the March time frame at around 700 each. Since then I've stopped apping, last app was AMEX Hilton and then Best Western flyer in late April, have been paying down balances consistently, and finally at the end of May, the true balances started to line up after some other BT changes settled. I also started a PLOC last year with my local CU, borrowed and have been paying that down, so that TL is helping now also.
Since May 23, my scores have taken off:
EQ TU EX
May 23: 714 720 724
June 21: 750 760 764
Change: +36 +40 +40
And that is with 16 open and 2 closed CC reporting balances. The main thing is the reduction in utilization, and some aging of INQ.
You should be excited, you have every right to be!!! Congrats! Keep up the good work!
@gh17 wrote:ahhhh broke 800!
my citi equifax says 801 as of 5/26 (for some reason the free citi score has a pretty delayed update).
i have no inquiries on equifax, so that makes sense. and makes me think my transunion score would be up there too if my inquiries fell off.
very excited
it says on the Citi page where my score is
"Congratulations – You have an exceptional FICO Score." pretty sure that phrasing might be new but i can't remember
Just yesterday I broke the 760 mark for the first time in my life. My scores were in good shape as a 20 year old (mid 700's, I think I peaked right around 750) - learned responsible credit from my father. Then disaster stuck while in college and I went without a job for several months. Scores tanked, UTL went up over 95% for years, and I added a couple collection accounts.
Now as a 28 year old, I started this year, in January, with scores around 650 - fast forward to today and my scores are EQ: 758, TU: 782, EX: 768. I was able to clean up the collection accounts and get my UTL down to 16% after being extremely frugal for several tough months. After a couple more months, I should be credit card debt free (remaining CC debt all on 0% promos). 
Smart going, Uek and Kitt. Keep up the good work by monitoring your own spending.
When you start looking around for a house, Kitt, be aware that shopping around for lenders will lower your scores. Check out lender reviews before making a decision on which one to choose.
@Anonymous wrote:I've noticed that some Forum members have improved their scores, and now have at least one FICO score of 760 or above. Others, have had 760+ scores longer. This is not a contest or competition to see who has the highest FICO scores. Rather, I'd like to see which Forum members are FICO High Achievers. Who has at least one FICO Score of 760 or above?
Message Edited by psychic on 04-02-2008 02:59 AM
EX: 832; TU: 799, EQ: 818 as of today, 21 years oldest, 11 AAoA, 4% UT. good mix 1 Mort, 1 Auto, 7 Major, 5 Retail, Countable INQs (in order of FICOS to the left): 1/4/3; Total INQs: 3/7/2.
TU is and will likely always be lower due to the CU not reporting to TU (EXP/EFX only). I've requested them to do it countless times but it seems "local" CUs, at least around here, do not report to TU. Now if they DID, I would speculate TU would align with the others.
As you said 7 years ago OP, it's not about a contest . If anything, it's something to be VERY proud of to see that needle on the "Exceptional" side. Achievement: ABSOLUTELY! Bragging - Nah... All that matters is if & when I need something, I KNOW I can get it.