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

[Anonymous]

CONGRATS!!!!!!!!!!!!!!!!

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@SPChaser wrote:

I'm so very very humbled right now. I just happened to check my Jet Blue Barclay app and looked at my score to see if it updated. The perivous score was 797 so I know I was close, but it wasn't budging, at least I'm my inpatient mind lol, l yet I really didn't think I would ever get here. As I've posted before, wifey and I were so very fortunate to be able to pay off a massive debt, and we're seeing the results of that. We were able to refinance our mortgage in less than 2 weeks and purchased her a new car all on our without the assistance of family because our credit scores have so vastly improved. We never want to be in that debt hole again!!! I just felt sharing this achievement is important because l've learned so much invaluable information on these forums that I want people who are also in rebuild, paying off debt, or working to improve their credit scores  that it's definitely worth the sacrifices to get there. TU is my only clean credit report, and I'm working still to remove that one 30 day late from EX and EQ. Thanks again!!! 

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[SPChaser]

Thanks @dumaine @barca @M_Smart007 @Anonymous !!!

[sarge12]

This is my highest Fico 08 score ever at any of the major CRA's. So close....

[Anonymous]

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@sarge12 wrote:

This is my highest Fico 08 score ever at any of the major CRA's. So close....

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Congrats @sarge12 . 840 does not happen by itself. It takes work and dedication. Nice job

[sarge12]

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@Anonymous wrote:

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@sarge12 wrote:

This is my highest Fico 08 score ever at any of the major CRA's. So close....

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Congrats @sarge12 . 840 does not happen by itself. It takes work and dedication. Nice job

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Well looking closer, apparently Langley changed to fico 09...unsure when. I now have no free equifax 08 score monthly.

[Anonymous]

Congrats on reaching 800 milestone, it feels even greater than hitting 750! For some reason even though we just found out that 760 is almost just s good as 800+. It still feels great to achieve it!  Been sitting on 808 for the past month and it's making me eager to app something. lol

[SPChaser]

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@Anonymous wrote:

Congrats on reaching 800 milestone, it feels even greater than hitting 750! For some reason even though we just found out that 760 is almost just s good as 800+. It still feels great to achieve it!  Been sitting on 808 for the past month and it's making me eager to app something. lol

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Thanks @Anonymous ! I feel the same way. I've itching to apply for my third Navy card  but been holding off for a couple months till remaining SP CLIs and closed accounts post to CRs. 

[Anonymous]

I started this credit journey in 2015 after a divorce. I did the usual and started with "builder" cards...Credit One and Merrick. I had another CC from a credit union and a car note, too. I built up my credit using the builder cards for a year then went car shopping. I got that approval--that was my goal. 

For the past 5 years, I got various credit cards and added to my portfolio...even bought a house. I was always "anxious" when creditors pulled my credit. My scores were stuck at the 660-680 level for years, partially due to my utilization on those credit cards. 

Well, I finally got the nerve to apply for a debt consolidation loan from the credit union I financed a car through and was approved. I used that loan to pay off my credit cards. That was at the end of March. I then decided to re-up my MyFico monitoring to see where scores improved.  I also finally closed my "starter" cards (2 CreditOne accounts and the Merrick account)

I started seeing score fluctuations at the beginning of April. A little drop when the loan was reported. Scores were EQ 704, TU 696 EX 693 (so not bad)

Today, after all CC's reported as paid off (except for 2 with total of $200 balance) my scores are:

EQ: 767

TU: 766

EX: 767

I was hoping for 780, but I'll take this. For once I know if I apply for credit, there should be no anxiety. 

This is a huge milestone for me and I'm pretty giddy, but now the goal is to continue to improve. BY the end of this year, some 30 day late payments from back in 2014 should fall off (I think) which may get me close to my goal. 

Anyway, thanks for reading. 

[Anonymous]

That's how it's done! Gotta love seeing numbers like that. Congrats on an enormous increase/rebuild and enjoy the fruits of your hard work - you've earned it

[Anonymous]

I've lurked for a very long time and always thought that good credit was never going to happen for me. Thanks to Covid and insane riots where we lived, we decided enough was enough and made the decision to move, though we didn't think there was any way we'd easily get a mortgage.

We ended up selling our home, moved across the country and really focused on raising our credit scores as much as possible. We paid a whole lot of attention to the boards here and am happy to say that last fall I was hovering around 610. After a whole lot of paying things off and other small tidbits, I woke up this morning to an all-time high of 793. 

So thank you to everyone who provides such amazing advise here! It CAN be done and doesn't have to take years