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

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ChessChik47
Frequent Contributor

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

Happy to say that my scores are EX 824, EQ 822, and TU 819 and I've been over 800 for about a year now.  I was originally an all cash kinda person because I had messed up my credit when I was younger.  I started monitoring my credit in 2016 and didn't realize I wasn't "playing the game" correctly until I came to this forum.  Since finding this forum I have learned sooo much and was able to get 5 credit cards and use them responsibly and to my benefit (never pay interest and rack up points/cashback).  Even though I still have debt (mortgage and student loans), I feel GREAT about where my finances are and knowing how to manage my credit and use it to my benefit is so liberating.  

Message 1681 of 2,020
Medic981
Valued Contributor

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

FICO 08152019.JPG

I just wanted to thank the myFICO forum members for all of their help and advice to achieving these FICO scores. Ignorance and bad credit habits were holding me back in my financial goals before finding and participating in the myFICO forums. 

 

I started out with a C1 CC with a $300 CL three years ago. I joined myFICO two years ago and have since increased my FICO scores 70 - 90 points and now have a revolving line of credit of $72,850. After I am finished gardening this coming January, I hope to increase this $100,000 plus.

 

I know with a FICO score greater than 760 I can always get the most favorable terms when I am applying for most financial products. 

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 







Your FICO credit scores are not just numbers, it’s a skill.
Message 1682 of 2,020
SleeplessinMA
Regular Contributor

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

@ Medic981

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 

 

Congratulations!!!  It's a skill you've mastered very well!  I agree with you about how much help and great advice there is on these forums!

 

I wish you the very best moving forwardSmiley Happy

My Wallet

Installment Loans

Current Scores 5/05/23


Current Mortgage Scores 5/05/23


Message 1683 of 2,020
Lucifer
Frequent Contributor

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

All three of my F8 scores are very close and all over 780.   This is the first time for this since I have been paying attention to scoring.

 

Now the goal is all three over 800....  i think i can i think i can.....

Stay Liquid My Friends...


Starting Score: F8 3xx
Current Score: F8 800+
Goal Score: F8 800


Take the myFICO Fitness Challenge



Message 1684 of 2,020
sarge12
Senior Contributor

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


@Medic981 wrote:

FICO 08152019.JPG

I just wanted to thank the myFICO forum members for all of their help and advice to achieving these FICO scores. Ignorance and bad credit habits were holding me back in my financial goals before finding and participating in the myFICO forums. 

 

I started out with a C1 CC with a $300 CL three years ago. I joined myFICO two years ago and have since increased my FICO scores 70 - 90 points and now have a revolving line of credit of $72,850. After I am finished gardening this coming January, I hope to increase this $100,000 plus.

 

I know with a FICO score greater than 760 I can always get the most favorable terms when I am applying for most financial products. 

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 


100% agree...almost nobody just gets high scores by accident. The best results are obtained by having the knowledge of what affects scores, planning based on that knowledge, and the discipline to apply that plan. There may be deviations in each users plans, and there is for sure more than one way to arrive at the same results, but either can be valid. There is in fact likely over 100 different ways to acheive the same results, and quite a few here have changed their plans accordingly. At one time my plans included only 3 credit cards, and for sure, my credit score could be equal to what it is now with only 3 cards. Once I learned that I could actually profit from obtaining more cards and still recover the lost points, and even make it easier to keep my scores consistant, I made a new plan. It was still a plan though. It involved gradual increase in the number of cards over time, slowly enough to have less impact on scores. I am now considering a new plan that might involve the gradual decrease in the number of credit cards I will have, but if I do, it will be very gradual and measured. Any plan involves keeping my Fico 08 scores at 800+, so last year when one of them dropped below 800 to 796, I went slightly beyond my planned scores.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 1685 of 2,020
sarge12
Senior Contributor

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


@Lucifer wrote:

All three of my F8 scores are very close and all over 780.   This is the first time for this since I have been paying attention to scoring.

 

Now the goal is all three over 800....  i think i can i think i can.....


I applaud the way you moved the goal post once previous goals were met, that is what you are suppose to do.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 1686 of 2,020
SleeplessinMA
Regular Contributor

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

@Lucifer wrote:

 

Now the goal is all three over 800....  i think i can i think i can.....

 

Congratulations on a mission well done so far!

 

I know you can, I know you can, you WILL get over 800! Smiley Happy

My Wallet

Installment Loans

Current Scores 5/05/23


Current Mortgage Scores 5/05/23


Message 1687 of 2,020
Anonymous
Not applicable

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

I have been lurking on this forum on and off for years.  I do appreciate all the hints on how to build my credit.  Thank you!

 

My Experian FICO Score 8

Message 1688 of 2,020
SleeplessinMA
Regular Contributor

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

@Rampeltin wrote: 

 

I have been lurking on this forum on and off for years.  I do appreciate all the hints on how to build my credit.  Thank you!

 

 

Well done, Rampeltin, well done! Smiley Happy

My Wallet

Installment Loans

Current Scores 5/05/23


Current Mortgage Scores 5/05/23


Message 1689 of 2,020
SleeplessinMA
Regular Contributor

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

Happy to say that my EQ Fico 8 is 766 and my EQ Fico 5 is 776.

My TU Fico 8 is 761 and my Fico 4 is 765.

 

EX is the only one late to the party, gives me something to work on Smiley Happy

 

My Wallet

Installment Loans

Current Scores 5/05/23


Current Mortgage Scores 5/05/23


Message 1690 of 2,020
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