cancel
Showing results for 
Search instead for 
Did you mean: 

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

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Member

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

Finally Hit the Numbers. Consolidated my CC debt in a personal loan and it is finally paying off.

EQ - 770

TU - 767

EX - 788

Message 1591 of 1,638
Frequent Contributor

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

TU 834, Equifax 859

 

Just wanted to say that "gardening" works. I took the approach of applying to credit cards with several of the major banks during/shortly after I graduated college (so by 2013-2014) and then have just not gotten any new cards since, so my average credit age grows. Occassionally I do a "product change" when a rewards program dies and better rewards programs pop up.  I don't always have the absolute best rewards available but generally have pretty good cash back cards, which is what I value.  I could play the "apply for new airline cards, get points, go on a trip, cancel" game but I don't travel enough for it to be worth it and for now have decided to grow my credit instead, and it's worked.

 

I could probably get it higher if I let all balances except one report 0. Because that has no long term impact, I haven't bothered, so most of my cards report balances each month.

 

I've got one hard inquiry right now that I know of, for a corporate credit card application 23 months ago (so should be falling off). The card isn't on my report but the inquiry is.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 22,500 (2013) | Discover It 31,000 (2014) | Chase Freedom 6000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 834 Discover/Barclays/BofA TU, 862 Citi Equifax
Message 1592 of 1,638
New Member

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

EQ: 824

TU: 803

EX: 800

Message 1593 of 1,638
Regular Contributor

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

Fico 8: 787

https://imgur.com/a/2oTTa1y

Fico 9: 790

https://imgur.com/a/CfpW3nN

 

Update:Fico8 800

As of 1/02/19

Message 1594 of 1,638
Regular Contributor

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

 


@gh17 wrote:

TU 834, Equifax 859

 

Just wanted to say that "gardening" works. I took the approach of applying to credit cards with several of the major banks during/shortly after I graduated college (so by 2013-2014) and then have just not gotten any new cards since, so my average credit age grows. Occassionally I do a "product change" when a rewards program dies and better rewards programs pop up.  I don't always have the absolute best rewards available but generally have pretty good cash back cards, which is what I value.  I could play the "apply for new airline cards, get points, go on a trip, cancel" game but I don't travel enough for it to be worth it and for now have decided to grow my credit instead, and it's worked.

 

I could probably get it higher if I let all balances except one report 0. Because that has no long term impact, I haven't bothered, so most of my cards report balances each month.

 

I've got one hard inquiry right now that I know of, for a corporate credit card application 23 months ago (so should be falling off). The card isn't on my report but the inquiry is.

 

gh17,

 

 Good strategy... :-)


 

Message 1595 of 1,638
Regular Contributor

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

My score has gone up since i last replied here. See my sig
Message 1596 of 1,638
Highlighted
Valued Contributor

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

I've made it into the group! My TU score gained 42 points after my BK fell off (early exclusion). It went from 746-788. I checked it again last night and found that it gained another 4 points to 792. I'll request an EE from EX in 6 weeks and try EQ two months after that. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $7300 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $154,300

EQ - 765 / TU - 761 / EX - 755
Message 1597 of 1,638
New Contributor

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

I've sat tight on my credit since purchasing a home and knew this would be the year to get even higher than 760ish...I'm all 8's across the board and I hope that's a good thing. : )

FICO Scores (01/19): Exp 819 Eq 825 TU 818
FICO Scores post Citi AA Pull/Approval (1/28/19): Exp 816 Eq 825 TU 818
FICO Scores post HH Ascend AMEX Pull/Approval (1/30/19): Exp 813 Eq 825 TU 818
FICO Scores post Chase Sapphire Preferred Pull/Approval (3/4/19): Exp 804 Eq 819 TU 828
FICO Scores Unchanged AMEX Platinum Approval (3/11/19)
FICO Scores Unchanged AMEX Gold Approval (4/5/19)

Message 1598 of 1,638
Valued Contributor

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

I just received an alert that my EQ08 score has changed.  Found that it's now at 760. That's two! Smiley Happy

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $7300 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $154,300

EQ - 765 / TU - 761 / EX - 755
Message 1599 of 1,638
New Member

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

I'm one. 846/850/850 as of today, 2/14/2019. In 2015 I started with a 720 average. My scores went up dramatically when I paid off all credit cards and then increased the amount of available credit by applying for/getting several more cards with high limits....then, Not Using Them, other than a couple times a year to keep them open. Not saying this is the secret formula but it did work in my case. I'll post a screen shot when I get 850 across the board which is my goal.
Message 1600 of 1,638