cancel
Showing results for 
Search instead for 
Did you mean: 

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

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Super Contributor

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


@sarge12 wrote:

Some people go for many years without using credit at all, paying cash for everything. Their credit score might be on the lower side, or may not even return a score at all, but you cannot really argue that they are irresponsible with credit, they are in fact, being very responsible. 


Hi Sarge.  I agree in what you say above that someone is being very responsible if they don't use credit at all and pay cash for everything, but that doesn't mean they're being responsible with credit.  If one doesn't use credit, they can't be responsible with it and therefore can't obtain/possess/maintain a credit score over a length of time.

Message 1621 of 1,690
Senior Contributor

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

My scores started to Crest above 760 last summer. With the final baddie dropping this past December, I'm at 812, 814 & 829 (EQ, EX &TU).

Now I just have to stay responsible and keep the INQs at bay.
Cards: Ample. Income: Adequate. Credit: Abundant.
INQs: Excessive. Last INQ: Infant.
AoOA: Adult. AoYA: Infant.
AAoA: Almost optimal.
0/6 | 3/12 | 9/24
All scores above 825.

On the wagon.


Message 1622 of 1,690
Valued Contributor

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


@BrutalBodyShots wrote:

@sarge12 wrote:

Some people go for many years without using credit at all, paying cash for everything. Their credit score might be on the lower side, or may not even return a score at all, but you cannot really argue that they are irresponsible with credit, they are in fact, being very responsible. 


Hi Sarge.  I agree in what you say above that someone is being very responsible if they don't use credit at all and pay cash for everything, but that doesn't mean they're being responsible with credit.  If one doesn't use credit, they can't be responsible with it and therefore can't obtain/possess/maintain a credit score over a length of time.


True...But if the credit score is suppose to be a measure of how credit worthy an individual is, the lack of credit history prevents the credit score from doing so. The credit score was created to assign a numerical score to predict the liklihood of the individual to default or become seriously delinquent. It is a fairly good indicator of that risk, if the individual has a good bit of credit history. It cannot however be a very good predictor if the individual has gone an extensive length of time without seeking credit. That is the point I was attempting to make, having a high score is definate indicator of responsible credit behavior, as nobody can get 800+ scores being irresponsible with their credit. Having a low score however could be the result of irresposible credit behavior. It could also mean the individual just has not sought any credit for an extensive length of time. If you do not use any credit at all for 10 years, your credit report will be pretty much blank. That is a very good position to be in, but if you ever need to borrow money they have very little data to base a lending decision on.

TU fico08=823 08/29/19
EX fico08=813 09/12/19
EQ fico08=826 09/04/19
EX fico09=815 09/04/19
EQ fico bankcard08=852 08/27/19
Message 1623 of 1,690
Senior Contributor

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

In order to have a low credit score (say under 660) a profile must have some issues with credit management. Even those new to credit should have Fico 8 scores starting around 700 if accounts have been maintained in good standing with moderate to low utilization

 

When my DD got her 1st two credit cards she had no credit history except 100% on time rent and utility payments. She had no Fico scores - only an L2C score.

 

After 6 months she got her 1st Fico 8 scores through her Discover card and Wells Fargo card accounts. She only pays statement balances and uses both cards almost every month. Aggregate utilization was typically in the 10% to 25% range. Her starting scores were in the 710 to 720 range. Now two years later (still just the 2 accounts) her scores are 760 to 780.

 

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 1624 of 1,690
Frequent Contributor

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

Just hit 838 today. The prefect score is coming soon. 5 years ago I was at 580ish. 

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.
Message 1625 of 1,690
Established Contributor

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

I'm at 850 for Transunion and Experian on multiple sites, but my only Equifax ficos are on a different scoring of 895 and 893. Evidently I don't own a credit card that reports Equifax on Fico 8? 

Message 1626 of 1,690
Super Contributor

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


@Turbobuick wrote:

Evidently I don't own a credit card that reports Equifax on Fico 8? 


That's pretty common actually, as EQ FICO 8 is the toughest of the 3 to come by for free and/or through a CCC.  I too can't get my EQ FICO 8, although Citi does give FICO BCE 8, which it sounds like you may be getting since that's on a scale up to 900.  Your best bet is to go with a $1 trial at CCT if you don't have another source for your Classic 8 from EQ if it's a score you really want to know. 

Message 1627 of 1,690
Valued Contributor

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


@BrutalBodyShots wrote:

@Turbobuick wrote:

Evidently I don't own a credit card that reports Equifax on Fico 8? 


That's pretty common actually, as EQ FICO 8 is the toughest of the 3 to come by for free and/or through a CCC.  I too can't get my EQ FICO 8, although Citi does give FICO BCE 8, which it sounds like you may be getting since that's on a scale up to 900.  Your best bet is to go with a $1 trial at CCT if you don't have another source for your Classic 8 from EQ if it's a score you really want to know. 


BBS...You can get a free monthly equifax fico 08 by opening a checking or savings account at Langley FCU. If you do not have military service you will have to make a 5 dollar donation to an approved charity to qualify for membership. It will take a couple of months to start reporting the equifax, but it comes like clockwork afterward. I actually deposted 50 in savings and 50 in checking, but I think much less was required. It will result in a hard pull to become a member. I only joined for the free Equifax fico 08...so now I get all 3 somewhere for free.

TU fico08=823 08/29/19
EX fico08=813 09/12/19
EQ fico08=826 09/04/19
EX fico09=815 09/04/19
EQ fico bankcard08=852 08/27/19
Message 1628 of 1,690
Valued Contributor

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

equifax.JPG

TU fico08=823 08/29/19
EX fico08=813 09/12/19
EQ fico08=826 09/04/19
EX fico09=815 09/04/19
EQ fico bankcard08=852 08/27/19
Message 1629 of 1,690
Senior Contributor

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


@Turbobuick wrote:

I'm at 850 for Transunion and Experian on multiple sites, but my only Equifax ficos are on a different scoring of 895 and 893. Evidently I don't own a credit card that reports Equifax on Fico 8? 


@Turbobuick 

895 is the highest EQ industry option score I have seen reported (likely Bankcard Fico 8 version). It would be interesting to get details on your profile: AoYA, AAoA, AoOA, total # cards open & closed, total # installment accounts open & closed, aggregate loan B/L, aggregate revolving UT%, highest individual card UT% and # cards with balances.

 

Do you practice AZEO for revolving credit cards?

 

The only free EQ Fico 8 score I get is the BCE version through Citi. My monthly BCE has varied between 874 and 892 due to changes in # cards reporting balances. In all cases my Classic EQ Fico 8 (purchased) remained at 850. Given enhanced scores in the 890s, your Classic EQ Fico 8 is almost certainly at 850.

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 1630 of 1,690
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.