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

[LilyBee]

Congrats, TSU:

Good to see that you're staying in the 800s, temporarily anyway.  Sometimes slips like late payments or charges can 'sneak' up on our scores.  Your new 850 says otherwise. 

Stay the course.

[Anonymous]

Just found this site and joined today.  Historically, I've only monitored my score when making major purchases in the past; home car etc.  It got a little more "in my face" when Discover began including it with the card. It seems to move 10-20 points for what seems no apparent reason. I’m sure I’ll learn more about that reading these forums.  Anyway, after looking around, I took the trial at CCT and pulled the numbers.  Perhaps I'll try MF when it's time for the next home or car to get all of the score variants.  In the meanwhile, I guess I'm on the hunt for the elusive 3x850.

[sarge12]

Be forewarned....once you get all scores above 800, you do not recieve a gold watch, certificate, or anything else...nada...nothing....zilch!!!!!

[Anonymous]

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@sarge12 wrote:

Be forewarned....once you get all scores above 800, you do not recieve a gold watch, certificate, or anything else...nada...nothing....zilch!!!!!

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Only a well deserved sense of accomplishment!

[Anonymous]

Five years ago, I had baddies. Paid them all off because it's the right thing to do. I racked up the charges, I need to pay them. 

Just last year was the first time I applied for a credit card. My first ones were Chase Feedom, Chase Disney and American Express Blue Preferred. I racked up a bunch of charges by paying my bills and some regular monthly expenses. Came up to about 5,000.00, I paid them all off in one swoop. Score went up to 720. I did it again recently. We needed new furnitures for the house, purchase that through my credit card. Then use them to pay my bills, paid it all off in one swoop and score is at 768 as of today. 

Just a few years ago my scores were around 630. Barely moving because I had some baddies. Those fell off,  I applied for credit cards and here I am. This is the highest score I've ever reached. I've made horrible decisions in the past 15 years and now I don't carry any balance on my cards whatsoever and I don't go on spending sprees. I save. I invest and I give. I feel happy and very responsible.  

Just a word of encouragement to many, it's never too late to start again. As long as you do what is right (pay bills, pay off your debts, etc) and learn from your mistakes.

[driftless]

If you don't mind, I am going hang out here and in the Garden Club. I don't have any foreseeable credit needs in the next couple of years, we just closed on a mortgage. I also don't have a particular FICO score goal, although I want my three scores all to be above 780. It is great to read some stories of folks who are now High Achievers.

[Anonymous]

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@sarge12 wrote:

Be forewarned....once you get all scores above 800, you do not recieve a gold watch, certificate, or anything else...nada...nothing....zilch!!!!!

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If you post in the Garden Club that you hit all 800s, you'll get kudos. Granted, you don't get anything material, but it's something, right? Not to mention the real-world benefit of getting the best rates and terms on most things, and that's something too!

[Anonymous]

Only 793 from EX.    Still trying to get at least 840.  Give me a little more time. 

[paramed3]

I bought 3 rental houses. Hit my credit but now that settled on reports HI And new installment non mortgage would not allow it to be mortgage my experience hit back up to 797. Exquifax has not reported and updated can't wait to see it. I hope with now truck installment and this wells Fargo it will go over 800 after 3- 6 months payment history on new loan. Truck has 31 out of 48 payments made so that helps.

OK Well Fargo told me you can have an 800 FICO ALL 3 and your income not there they would not loan you 50 cents. They have strick rules on loaning now. Said FICO Is important shows you pay your bills bit income stable long term income more important to them.

Went into this loam with
797 EQ
815 TU
800 EX
FICOS

[sarge12]