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

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Regular Contributor

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

Happy to say that my scores are EX 824, EQ 822, and TU 819 and I've been over 800 for about a year now.  I was originally an all cash kinda person because I had messed up my credit when I was younger.  I started monitoring my credit in 2016 and didn't realize I wasn't "playing the game" correctly until I came to this forum.  Since finding this forum I have learned sooo much and was able to get 5 credit cards and use them responsibly and to my benefit (never pay interest and rack up points/cashback).  Even though I still have debt (mortgage and student loans), I feel GREAT about where my finances are and knowing how to manage my credit and use it to my benefit is so liberating.  

Message 1681 of 1,687
Valued Contributor

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

FICO 08152019.JPG

I just wanted to thank the myFICO forum members for all of their help and advice to achieving these FICO scores. Ignorance and bad credit habits were holding me back in my financial goals before finding and participating in the myFICO forums. 

 

I started out with a C1 CC with a $300 CL three years ago. I joined myFICO two years ago and have since increased my FICO scores 70 - 90 points and now have a revolving line of credit of $72,850. After I am finished gardening this coming January, I hope to increase this $100,000 plus.

 

I know with a FICO score greater than 760 I can always get the most favorable terms when I am applying for most financial products. 

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 















Your FICO credit scores are not just numbers, it’s a skill.

Message 1682 of 1,687
Contributor

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

@ Medic981

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 

 

Congratulations!!!  It's a skill you've mastered very well!  I agree with you about how much help and great advice there is on these forums!

 

I wish you the very best moving forwardSmiley Happy







Starting FICO 8 Scores 5-5-19

Current Scores

Starting Mortgage Scores 5-5-19

Current Mortgage Scores






Message 1683 of 1,687
Regular Contributor

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

All three of my F8 scores are very close and all over 780.   This is the first time for this since I have been paying attention to scoring.

 

Now the goal is all three over 800....  i think i can i think i can.....

Starting Score: F8 720
Current Score: F8 784
Goal Score: F8 800


Take the myFICO Fitness Challenge

Message 1684 of 1,687
Valued Contributor

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


@Medic981 wrote:

FICO 08152019.JPG

I just wanted to thank the myFICO forum members for all of their help and advice to achieving these FICO scores. Ignorance and bad credit habits were holding me back in my financial goals before finding and participating in the myFICO forums. 

 

I started out with a C1 CC with a $300 CL three years ago. I joined myFICO two years ago and have since increased my FICO scores 70 - 90 points and now have a revolving line of credit of $72,850. After I am finished gardening this coming January, I hope to increase this $100,000 plus.

 

I know with a FICO score greater than 760 I can always get the most favorable terms when I am applying for most financial products. 

 

In my signature line, I have "Your FICO credit scores are not just numbers, it’s a skill." I firmly believe this and the myFICO members are the people who helped me to where I am today financially. 


100% agree...almost nobody just gets high scores by accident. The best results are obtained by having the knowledge of what affects scores, planning based on that knowledge, and the discipline to apply that plan. There may be deviations in each users plans, and there is for sure more than one way to arrive at the same results, but either can be valid. There is in fact likely over 100 different ways to acheive the same results, and quite a few here have changed their plans accordingly. At one time my plans included only 3 credit cards, and for sure, my credit score could be equal to what it is now with only 3 cards. Once I learned that I could actually profit from obtaining more cards and still recover the lost points, and even make it easier to keep my scores consistant, I made a new plan. It was still a plan though. It involved gradual increase in the number of cards over time, slowly enough to have less impact on scores. I am now considering a new plan that might involve the gradual decrease in the number of credit cards I will have, but if I do, it will be very gradual and measured. Any plan involves keeping my Fico 08 scores at 800+, so last year when one of them dropped below 800 to 796, I went slightly beyond my planned scores.

TU fico08=823 08/12/19
EX fico08=813 08/10/19
EQ fico08=826 08/04/19
EX fico09=818 08/03/19
EQ fico bankcard08=849 07/23/19
Message 1685 of 1,687
Valued Contributor

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


@Lucifer wrote:

All three of my F8 scores are very close and all over 780.   This is the first time for this since I have been paying attention to scoring.

 

Now the goal is all three over 800....  i think i can i think i can.....


I applaud the way you moved the goal post once previous goals were met, that is what you are suppose to do.

TU fico08=823 08/12/19
EX fico08=813 08/10/19
EQ fico08=826 08/04/19
EX fico09=818 08/03/19
EQ fico bankcard08=849 07/23/19
Message 1686 of 1,687
Contributor

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

@Lucifer wrote:

 

Now the goal is all three over 800....  i think i can i think i can.....

 

Congratulations on a mission well done so far!

 

I know you can, I know you can, you WILL get over 800! Smiley Happy







Starting FICO 8 Scores 5-5-19

Current Scores

Starting Mortgage Scores 5-5-19

Current Mortgage Scores






Message 1687 of 1,687
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