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

[Anonymous]

I Finally broke 800.  My EQ score is 805!!!  While I kow htere's no guarentees, since my EX scores was the same as my EQ score a couple of months ago, I'm hoping that means I broke 800 for EX.  Now, if I could just get TU to be have, it's at 775!

[Anonymous]

For EQ:
What’s hurting your FICO® score

Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.

I can't copy the image, but my scale has nothing on the bad side!

[Anonymous]

I have 3 inquires on TU versus 1 on EQ, the 1 on EQ and 1 on TU are for a mortgage lender, I was trying to see from a mortgage lender what I could get prequalified for.  The other 2 on TU are for a CLI request from Chase in June, and 1 in November where I joined a CU, but I also opened a new CC, because I didn't want to just have a hard and only the membership at the CU to show. 

I also have 2 CC's reporting a blance on TU, versus only 1 on EQ, though my Util is well below 1%.

[haulingthescoreup]

Congrats, woopah! You gotta love that "nothing worth fussing at you about" comment!

[Anonymous]

That's great news!   Congratulations woopah!

[Anonymous]

It's amazing what a smooth 3 1/2 years can do to a credit score!  In July 2005, my mid score was 530!

Now I'm dipping my toe in to test out the 800-club waters!

I think I can now finally refinance my 18% interest car loan & my 10% mortgage!

[Anonymous]

Finally made it!  Long, strange trip.....

\

Ryan

[Anonymous]

I got mine yesterday and today from loan companies I applied to for a HELOC.  I got all different scores which confuse me.

Beacon 807

Classic 820

Fair Isaac 828

I did't see FICO on there? What is Classic?  What is the difference of these?  Confusing!

That was todays from one bank.  Here's the ones from yesterday:

Hubby Equifax 807

Me Equifax 813

I guess they didn't pull the other bureaus. 

[Anonymous]

My TU is 764.  I got it that way by getting a collection off by PFD I disputed an account that was being reported past the 7yr limit and paid my CC bal to zero except one.  Now I have 4 or 5 accounts with balances.  Before that it was 727.

Still working on the EQ & EX. 

[haulingthescoreup]

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dahoov2 wrote:

I got mine yesterday and today from loan companies I applied to for a HELOC.  I got all different scores which confuse me.

Beacon 807 = Equifax

Classic 820 = TransUnion

Fair Isaac 828 = Experian

I did't see FICO on there? What is Classic?  What is the difference of these?  Confusing! These are all the bureau names for their FICO scoring formulas.

Full versions:

EQ - Beacon 5.0
TU - FICO Risk Score Classic TU98 (to change to TU04)
EX - Experian/Fair Isaac Risk Model V2

These are the FICO "classic" scores.

That was todays from one bank.  Here's the ones from yesterday:

Hubby Equifax 807

Me Equifax 813

I guess they didn't pull the other bureaus. 

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Hope that helps!