Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

[Imperfectfuture]

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@Anonymous wrote:

Just received an alert from MYFICO and checked the alert only stated there was a change to my Equifax report but not what the change was and my Experian FICO Score had gone up two day earlier. The difference on the Experian alerts said there was a change to an installment loan paid off (had been at 31% utilization) and a new account was reported also a installment (8% utilization a secured share loan at Alliant CU) The new score where Equifax up 25 points an Experian up 15.

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Those shared secured loans (ssl) are worth their weight in gold, heh?  Wonder if with new scoring algorithms, should be changed to 780 and over?

[Anonymous]

I hit 770-790's in February of this year, and finally made it over the 800 hump in May.

Currently -

TU: 821

EX: 808

EQ: 820

This is after apping for a couple new travel cards. I hope to see 840-850 by the end of the year when a few inquiries age out.

[Grafton88]

I can't recall if I had done one of these.

As of July my FICO 8 scores are EQ=770, EX=777, TU=767.

My reports are finally clean.  I got an EE from EQ.

I am going to take advantage of these scores and get a new car next month and then join PenFed in October.  Then I will go back to the garden until next year.

[disdreamin]

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@Anonymous wrote:

I hit 770-790's in February of this year, and finally made it over the 800 hump in May.

Currently -

TU: 821

EX: 808

EQ: 820

This is after apping for a couple new travel cards. I hope to see 840-850 by the end of the year when a few inquiries age out.

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Great work, and nice scores! However, I'm doubting you'll get to 850's with any inquiries or new accounts within 12 months, and even getting over 840 is tough with inquiries less than a year old on your report, at least in my experience.

[mborgens]

Finally got a travel credit card, Alaska through BoA. Their pull was 850. I have pulled 850 here before, but it's nice to see it in the real world.

[Ubuntu]

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@Anonymous wrote:

I hit 770-790's in February of this year, and finally made it over the 800 hump in May.

Currently -

TU: 821

EX: 808

EQ: 820

This is after apping for a couple new travel cards. I hope to see 840-850 by the end of the year when a few inquiries age out.

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It sounds like you're scores are moving up very nicely but if you just added two tradelines you likely won't see 840+ for quite a while. Others may have different experiences but new tradelines generally prevent you from getting into the 840s until they've aged to the point where they're no longer considered "new" which is generally around two years old. Plus they lower your AAoA which makes reaching the highest scores a bit more difficult. The inquires that will drop soon should get you a bump but the're usually only worth a point or two depending on how thick your file is.

At my peak in April 2015 I was at 850 EQ / 848 TU / 849 EX and then two new revolving tradelines hit my file which dropped me to 820 / 814 / 793. The big drops were because my file is relatively thin. About 8 months after that I was around 820 on all three. Then I added an auto loan (1 INQ and 1 new installment TL) which didn't drop me at all with EQ or EX and only 10 points at TU. It's been about 6 months since then and I'm at 825 / 832 / 836. I've been hoping to see the 840s again when those two revolvers hit 2 years in April 2017 but I may be buying a house soon so who knows what will happen then.

Anyway, best of luck on the hunt for 840+.

[disdreamin]

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@Ubuntu wrote:

It sounds like you're scores are moving up very nicely but if you just added two tradelines you likely won't see 840+ for quite a while. Others may have different experiences but new tradelines generally prevent you from getting into the 840s until they've aged to the point where they're no longer considered "new" which is generally around two years old. Plus they lower your AAoA which makes reaching the highest scores a bit more difficult. The inquires that will drop soon should get you a bump but the're usually only worth a point or two depending on how thick your file is.

At my peak in April 2015 I was at 850 EQ / 848 TU / 849 EX and then two new revolving tradelines hit my file which dropped me to 820 / 814 / 793. The big drops were because my file is relatively thin. About 8 months after that I was around 820 on all three. Then I added an auto loan (1 INQ and 1 new installment TL) which didn't drop me at all with EQ or EX and only 10 points at TU. It's been about 6 months since then and I'm at 825 / 832 / 836. I've been hoping to see the 840s again when those two revolvers hit 2 years in April 2017 but I may be buying a house soon so who knows what will happen then.

Anyway, best of luck on the hunt for 840+.

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I can guarantee that 840's are possible, and even 850, with trade lines less than two years old - it all depends on the file and, likely, AAoA. I have three new credit cards from last year and a car loan from 12/14 and none of them kept me out of the 840's (or 830's depending on the number of inquiries with a particular CRA). As soon as the inquiries aged to one year the FICO8 scores all maxed out, still showing three credit cards and one auto loan less than 24 months old.

[JLK93]

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@disdreamin wrote:

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@Ubuntu wrote:

It sounds like you're scores are moving up very nicely but if you just added two tradelines you likely won't see 840+ for quite a while. Others may have different experiences but new tradelines generally prevent you from getting into the 840s until they've aged to the point where they're no longer considered "new" which is generally around two years old. Plus they lower your AAoA which makes reaching the highest scores a bit more difficult. The inquires that will drop soon should get you a bump but the're usually only worth a point or two depending on how thick your file is.

At my peak in April 2015 I was at 850 EQ / 848 TU / 849 EX and then two new revolving tradelines hit my file which dropped me to 820 / 814 / 793. The big drops were because my file is relatively thin. About 8 months after that I was around 820 on all three. Then I added an auto loan (1 INQ and 1 new installment TL) which didn't drop me at all with EQ or EX and only 10 points at TU. It's been about 6 months since then and I'm at 825 / 832 / 836. I've been hoping to see the 840s again when those two revolvers hit 2 years in April 2017 but I may be buying a house soon so who knows what will happen then.

Anyway, best of luck on the hunt for 840+.

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I can guarantee that 840's are possible, and even 850, with trade lines less than two years old - it all depends on the file and, likely, AAoA. I have three new credit cards from last year and a car loan from 12/14 and none of them kept me out of the 840's (or 830's depending on the number of inquiries with a particular CRA). As soon as the inquiries aged to one year the FICO8 scores all maxed out, still showing three credit cards and one auto loan less than 24 months old.

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That is completely correct. I had an 850 on Equifax with 5 accounts less than 6 months old. I haven't, however, been able to get past 849 on Transunion. So, I am guessing, that for my profile, it is not possible to get to 850 on Transunion with accounts less than 1 year old. I will find out in a couple of months.

[JLK93]

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@Ubuntu wrote:

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@Anonymous wrote:

I hit 770-790's in February of this year, and finally made it over the 800 hump in May.

Currently -

TU: 821

EX: 808

EQ: 820

This is after apping for a couple new travel cards. I hope to see 840-850 by the end of the year when a few inquiries age out.

---

It sounds like you're scores are moving up very nicely but if you just added two tradelines you likely won't see 840+ for quite a while. Others may have different experiences but new tradelines generally prevent you from getting into the 840s until they've aged to the point where they're no longer considered "new" which is generally around two years old. Plus they lower your AAoA which makes reaching the highest scores a bit more difficult. The inquires that will drop soon should get you a bump but the're usually only worth a point or two depending on how thick your file is.

At my peak in April 2015 I was at 850 EQ / 848 TU / 849 EX and then two new revolving tradelines hit my file which dropped me to 820 / 814 / 793. The big drops were because my file is relatively thin. About 8 months after that I was around 820 on all three. Then I added an auto loan (1 INQ and 1 new installment TL) which didn't drop me at all with EQ or EX and only 10 points at TU. It's been about 6 months since then and I'm at 825 / 832 / 836. I've been hoping to see the 840s again when those two revolvers hit 2 years in April 2017 but I may be buying a house soon so who knows what will happen then.

Anyway, best of luck on the hunt for 840+.

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Ubuntu,

When you had the 850, 848 and 849 scores what was your AAoA and age of oldest account?

Are these FICO scores?

Thanks.

[Thomas_Thumb]

Oilcan12,

The scores are Fico 08. See below link to post from earlier in this thred for additional background info.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Our-Forums-FICO-High-Achievers-Who-has-at...