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

[Anonymous]

FICO® Score Summary Your Equifax FICO® score: 805 On March 18, 2010 Your Equifax FICO® score is great Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower. * FICO® Scores range between 300 and 850 * Higher scores are better scores * The higher your score, the more favorably lenders look upon you as a credit risk Your Equifax FICO® score is based on the information in your Equifax credit report. Below are factors in your credit report that are hurting or helping your score: FICO® score ingredients How you rate Payment history Your history of paying bills on time. Great Amount of debt Your total amount of outstanding debt. Very Good Length of credit history How long you've had credit. Great Amount of new credit Amount of credit you've recently obtained or applied for. Great

[Anonymous]

FICO® Score Summary Your TransUnion FICO® score: 790 On March 18, 2010 Your TransUnion FICO® score is great Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower. * FICO® Scores range between 300 and 850 * Higher scores are better scores * The higher your score, the more favorably lenders look upon you as a credit risk Your TransUnion FICO® score is based on the information in your TransUnion credit report. Below are factors in your credit report that are hurting or helping your score: FICO® score ingredients How you rate Payment history Your history of paying bills on time. Great Amount of debt Your total amount of outstanding debt. Very Good Length of credit history How long you've had credit. Great Amount of new credit Amount of credit you've recently obtained or applied for. Great Fair Credit Reporting Act: Summary of your rights

[smallfry]

Congrats Plastic Guy. So how old is your newest account?

[Anonymous]

Last account opened is Citi Diamond Jan 2008. Oldest account is Amex opened Blue. Started has green ( retrograded back) 1987

[crivas21]

as of yesterday i now have to ficos over 760 and its time to start working on my experian fico which is lagging behind with a 733. what a feeling my friends!!!

[Anonymous]

Yay, I can add myself to the list!  I have a 777 and a 798 (TU) pulled yesterday.  Not bad for a 26 year old with a new mortgage, 2 USAA cards, 1 store card and student loans!  If only I knew the third one I could throw a full party...alas all I can do is pretend they are all over 760 =)

[smallfry]

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@Anonymous wrote:

Yay, I can add myself to the list!  I have a 777 and a 798 (TU) pulled yesterday.  Not bad for a 26 year old with a new mortgage, 2 USAA cards, 1 store card and student loans!  If only I knew the third one I could throw a full party...alas all I can do is pretend they are all over 760 =)

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Congrats. I would bet you are over 760 EX assuming the reports are really close. Keep this up and by the time you're my age you'll be well over 850.

[BungalowMo]

Awww jeez......my TU is 7 points away!!!!!  Close, but no cigar....yet.....  I'll be back very soon! 

[Anonymous]

Hi.  I'm new here and can't figure out why my score isn't higher.  My Equipfax score is 807. But my use of new credit is only Good. I really don't have any new credit.  In fact. I want to close some accounts that I never use.  Am I being selfish?  Should I just be happy at 807?  Does anyone know if closed unused accounts will help me or hurt me?

Thanks. 

[Jazzzy]

Hello...and welcome to the forums.

I don't know why it says only "Good" for new credit. How new is your newest account?

Closing unused accounts doesn't hurt you unless you have balances on your credit card statements. Part of your FICO score is based on how much of your available credit you use. So, if someone has balances, then by closing cards they are lowering the amount of their available credit and their score could go down.

If you don't have balances on your credit cards, closing accounts shouldn't matter. Also, the history of a closed account stays on your credit reports for about 10 years, so those accounts still figure into your history and your average of accounts. You might not want to close your oldest account.