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Thanks everyone!
I don't want to sound bratty but I didn't go out of my way to try. I mean sure, I try to get SP CLI, app-spree when there are nice SUBs, get my debt down but I'm using a bunch of my cards and am definitely not AZEO so considering my recent history (819-836), I would never Imagine why it would actually get to 850. To be honest, I am quite surprised and I'm not sure why it happened. The only thing I've tried to do is wait til I'm down past 5/24 so I can get another Chase card but I'm not even fully in the garden because of the Apple Card lol.
So yeah, I'm super caught off guard but I'm also very thankful. Achievement Unlocked! And to think, back in 8/30/04, I had 514 on EX, 482 on EQ, and 513 on TU and had a lien on the house that didn't fall off until 2011-12 somewhere? I had a bunch of credit cards then too but was very irresponsible and eventually started getting subprime cards too.
I think that's the thing I'm the most proud of. You can turn it around, hard work does pay off.
Massive congratulations on the achievement mate
I bit the bullet and pulled myfico 3 reports. Glad to know the TU Fico 8 is consistent and the other 2 reports are close!
I posted mine in the other thread but this place seems fitting. Just pulled this.
I've been 800+ almost constantly for past few years.
It's a good feeling.
I don't pay for my scores.
My lender's provide FICO Bankcard Score 8's.
Bank of America and Discover = TU
CITI = EQ
USAA = EX
CITI's scoring model just changed their FICO Bankcard Score 8:
Previously Minimum 300 to 850 Maximum
New Minimum 250 to 900 Maximum
TU = 840; *Was a perfect 850 when pulled by Goldman Sachs for Apple card.
EX = 824; Even after numerous HPs from Chase in past two years.
EQ = 872/900 on new scoring model.
*My HP hits for 3 new card apps havent' hit my scores yet. Recently App'd for a new Discover; Navy FCU; and double PenFed for membership and card.
Congratulations! This is a great example to everyone and gives a huge boost to those just starting out on the journey!