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

[joeyv1985]

I just saw this. Started using these websites(Experian, myFico and Credit Karma) in June of last year. My scores started at about 620 across the board, dipped to high 500's low 600's in November 2019. A baddy fell off then my score jumped to 690-705 by the beginning of 2020. Fast forward to September, all 3 of my Fico 8 scores are 750 or better. In fact, I've bagged a couple of 800's as well. It takes time that's for sure. 

FICO 8 EQ: 757

FICO 8 TU: 788

FICO 8 EX: 773

[polscigeek]

I am over 760! 

[Anonymous]

" ... I'd like to see which Forum members are FICO High Achievers.  Who has at least one FICO Score of 760 or above?"

I always had scores above 760 - that is, until I had a run-in with Verizon in 2014 that resulted in a paid collection of $92. That is my only ever derogatory, but thanks to my very thin credit profile at the time, that one derogatory sank my FICO scores to the 640's.

I learned so much from this forum. Applying those lessons, along with the passage of time, gradually brought my scores up to the low 700's.

Now I am within 6 months of the derogatory's 7-year life. TU and EX have already granted EE (early exclusion) and that brought my FICO scores with them up to 833 and 829, respectively. EQ is stuck at 717 for now, and I have been warned many times not to attempt EE with EQ. But after a few more months, when the bad boy finally drops off, I imagine that my EQ score will rise to the 800's as well.

Can't thank these forums enough for sharing their knowledge with me.

[M_Smart007]

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@AllZero wrote:

EQ and TU was sitting above 800 for a couple months. I was waiting for EX to catch up. Checked my reports tonight and finally hit it across the board.

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Congrats there @AllZero , High Roller for sure

[AllZero]

@M_Smart007  Thank you kindly.

[Anonymous]

was around 670 for a while. Worked on it for about a year. 

[Sax2610]

Congratulations 👏 what did you do 

[Anonymous]

Thank you. It's been a mix of everything. 

I opened a couple of credit cards, asked to Cli them as well. Started doing the AZEO method too. That got me to around the 740 range.  So I have 5 cc totaling around 90k in credit limits. But I literally only put a few hundred on a couple at a time, rotating them to keep them active. Leave a small balance on one every month. 

I disputed items on my credit reports and did goodwill letters to remove some older items (student loans). Some were scheduled to fall off but the last one fell off a month ago. 

im not doing a bunch of hard inquiries right now because I want to refinance my homes. 

not really a credit score thing but I have credit freezes on all my credit bureaus too. 

[Apple507]

My Transunion 8 is currently at 803. I have had scores as high as 830, but we recently refinanced our mortgage and I bought a new car this year also so took a few hits.

I don't have access to Experian or Equifax scores.

[CAS2019]

Congratulations!