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

[Anonymous]

Wow, very close. You will get it there within this month or next month as long as they update your report. I am unlucky since they reluctant to update my report (except TU). I am hoping I will hit 60 in few days time or close to it

[Thomas_Thumb]

It's been over a year since I looked at a Fico 3B report. MyFico has updated their high achiever text boxes. Now more is better - more accounts and more loans compared to a couple years ago. 

[sarge12]

After a year gadening I acheived my highest scores ever...coming for you Thomas_Thumb.

[Anonymous]

TT, the text in those boxes that you pasted above, are they assuming that a "high achiever" is a 760+ score?  If so, some of their data points don't really make sense to me.

For example, I highly doubt that the average AAoA is 9 years and the average AoOA is 25 years for a "high achiever."  If someone wants to say for an 850 score, sure, but not for a 760+ score. 

Do they just get this information and provide this data based on members accounts?

[Thomas_Thumb]

I have not seen an official definition for "high achiever" from MyFico. However, you can get to 760 with a dirty file, so I think their high achiever definition is a bit higher.

My assumption is 800 or higher. That is typically the lower end of the top tier on distribution graphs.

[Thomas_Thumb]

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@sarge12 wrote:

After a year gardening I acheived my highest scores ever...coming for you Thomas_Thumb.

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Sarge, good to hear from you. Nice work on the scores.

My TU Fico 8 dropped to 849 for 3 months (new HP - IMO) but has rebounded thanks to aging.

For the best benchmark profile, I'd suggest looking at CGID's. His EQ mortgage score (817) is beyond my reach. 

[Anonymous]

I would say 800 is a more reasonable number than 760 for the points pasted above.

A score "drop" to 849.  One day I hope to be able to say that. 

[unc0mm0n1]

Never thought I'd see nothing on the left hand side. 

[iv]

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@Thomas_Thumb wrote:

I have not seen an official definition for "high achiever" from MyFico. However, you can get to 760 with a dirty file, so I think their high achiever definition is a bit higher.

My assumption is 800 or higher. That is typically the lower end of the top tier on distribution graphs.

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Seems to be 785: http://www.fico.com/en/blogs/risk-compliance/whats-the-profile-of-high-credit-scorers/

We just released revealing new research on the habits of US consumers with the highest credit scores, specifically those with FICO® Scores greater than 785. These FICO Score “high achievers” account for roughly 25% of scorable consumers, or more than 50 million individuals. Our research highlights a common thread within their credit behavior. Overall, these high achievers consistently make payments on time, keep low revolving balances relative to their available credit and only apply for credit that they need.

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[sarge12]

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@Anonymous wrote:

I would say 800 is a more reasonable number than 760 for the points pasted above.

A score "drop" to 849.  One day I hope to be able to say that. 

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I too long to someday cry about a drop to 849...I think on that day I'll have a tantrum!!!