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

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Valued Contributor

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


@LilyBee wrote:

Ditto, I don't know what that is, Sarge.  How is it measured?  And, is it automatic with getting one's FICO score?  Or, is that another charge, Sarge. Smiley Happy

 

Since my scores have been dunned by that two-year wait for opening a since-closed account in 2019, I haven't checked my FICO scores lately.  Readers need to know.


https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-Stress-Indicators-Indexes/td-p/596...    It is now provided with a 3b pull here on Myfico. It is the Equifax version supplied, but it is a new fico score to indicate how resilient our credit is to a recession or economic downturn. Most of us with high fico 08 scores have bad scores in this Resilience Index Score. It is sensetive to having a lot of cards or high credit limits, even with low utilization.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 10/06/20
EX fico09=825 10/03/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=854 09/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 1861 of 1,891
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Valued Contributor

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

Within FICO 8, I have only one 800+ score (Equifax). 

 

One week ago, I had EQ-801, TU-800, EX-798  but the TU went down to 799 as a result of a new auto lease. 

 

Two weeks ago, I had EX-801, EQ-801, TU-800.  

 

Aside from FICO 8, almost all my scores are over 800.

 

All this from paying $40,000 in credit card debt.  I was in the 660-680 range for more than ten years previously.

FICO 8: EQ 800; EX 797; TU 793
Message 1862 of 1,891
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Valued Contributor

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


@BrutalBodyShots wrote:

@sarge12 wrote:

but what is your resiliency index score? Mine is a barely moderate 59. If I had received just 1 more point, I could have at least told people how sensetive I was, but no!

What is this?  I have never heard of it.


@BrutalBodyShots: We have a leaderboard for the EQ FICO Resilience Index here.

 

36 forum members have submitted their score/profile details since March 2020. That's the month it first started showing up on the dashboard for myFICO subscribers. There's links to more information from FICO/Washington Post/Google in the header of that leaderboard table.

 

Your profile seems pretty well matched with Thomas_Thumb, and he scored a 48 back in April.

 

The highest rating (which means lower number!) is a 37, with close to a 677 EQ 8 score (estimated from their currently posted score, 2mos later).

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 1863 of 1,891
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Regular Contributor

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

Hey Sarge: 

Thanks for the info.  I'm not going to check my scores from the 3 bureaus until after February 2021.  That's apparently when they will stop dropping my overall scores for that mortal sin of mine for opening a new credit card (which I have deleted since then); but the penalty stands for two years.

Anyway, several of my credit cards show FICO scores of 840+ across the board, which is not too shabby.  I only have about eight active credit cards with no balances, until I get an Amazon shopping fit.  I also have one mortgage account.  But my go-to card is a Debit card.  I'm allergic to the other credit cards.Smiley LOL

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842;
SCORES as of April 19, 2018: EQ - 834; TU - 841; EX - 832.
New numbers will be posted in 2021
Message 1864 of 1,891
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Valued Contributor

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


@LilyBee wrote:

Hey Sarge: 

Thanks for the info.  I'm not going to check my scores from the 3 bureaus until after February 2021.  That's apparently when they will stop dropping my overall scores for that mortal sin of mine for opening a new credit card (which I have deleted since then); but the penalty stands for two years.

Anyway, several of my credit cards show FICO scores of 840+ across the board, which is not too shabby.  I only have about eight active credit cards with no balances, until I get an Amazon shopping fit.  I also have one mortgage account.  But my go-to card is a Debit card.  I'm allergic to the other credit cards.Smiley LOL


@LilyBee, I can certainly understand what might motivate someone to use debit cards instead of Credit cards, but I would use premium credit cards instead, and just always PIF. Credit cards often provide extended warranties, purchase protections, 0 fraud liability, as well as rewards. If someone manages to make fraudulant charges on a debit card, it often costs the consumer a little, and ties up funds until fixed. A stolen debit card number can result in the thief draining your account, and even though you will likely get it back, it may result in the funds not being available until the investigation is complete. I have already used the extended warranty on a few items. Useing credit cards has always been considered the safer of the two options and costs nothing if paid in full. That is the case, everywhere I have seen expert comparisons of the 2 payment methods. If you are aware of advantages to paying by debit, could you share that, because I am more than open to using alternate methods if there is a good reason to do so. If it just to avoid having to keep up with charges to multiple cards, and the extra convenience is worth the added risk and reduced benefits to you, please let me know that too. Please don't consider this as being critical of you using a debit card, I am not, I just want to know if there is a benefit to doing so that I am not aware of. I have known some people that did so simply due to the fact that the money being withdrawn directly prevents compulsive buying for them. There is a possible psychological reluctance to spending when there is instant reduction of funds, that does not exist with credit cards. Each individual should use a method that works best for them. My Mother has used cash and checks only her whole life, and it works for her.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 10/06/20
EX fico09=825 10/03/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=854 09/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 1865 of 1,891
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Regular Contributor

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

Hey Sarge:

I understand the preference of using credit cards over debit cards, but that doesn't sway me.  If I go on an Amazon shopping spree or high end stores, I pay off the credit charges before they are due.  My debit card is usually used for groceries.  I keep a tight rein on my finances and spending, so I don't want for much.  To that end, I just bought my son a new car and paid cash.  I have had 'phantom' charges a few times on credit cards, but they are taken care of quickly by the card company.  The only short delay is getting a new credit card, which I seldom use anyway.   Psychologically though, I just like to keep my scores above 800; so no new credit cards for me.

 

By the way, how do I delete the FICO scores at the bottom of my post.  I expect to get new ones next year.

 

 

 

--------------------------------------------------------------------------------
Starting scores:2007 - TU-850; EX-850; EQ-850. JUNE 11, 2015 - TU-850; EX-850, EQ-850 - Also FICO 8.
LATEST SCORES: EQ: 850; TU: 850; EX: 850; FICO 9 - AS OF MARCH 7, 2016

LATEST SCORES AS OF Nov. 24, /2016 - TU- 850; EQ - 846; EX - 836.- Smiley Sad
Scores as of June 1, 2017: EQ - 842; TU 841; EX - 842;
SCORES as of April 19, 2018: EQ - 834; TU - 841; EX - 832.
New numbers will be posted in 2021
Message 1866 of 1,891
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Valued Contributor

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


@LilyBee wrote:

Hey Sarge:

I understand the preference of using credit cards over debit cards, but that doesn't sway me.  If I go on an Amazon shopping spree or high end stores, I pay off the credit charges before they are due.  My debit card is usually used for groceries.  I keep a tight rein on my finances and spending, so I don't want for much.  To that end, I just bought my son a new car and paid cash.  I have had 'phantom' charges a few times on credit cards, but they are taken care of quickly by the card company.  The only short delay is getting a new credit card, which I seldom use anyway.   Psychologically though, I just like to keep my scores above 800; so no new credit cards for me.

 

By the way, how do I delete the FICO scores at the bottom of my post.  I expect to get new ones next year.

 

 

 


You go into settings and edit your signature lines with <br> at the end of every new line. My Settings, Personal, Personal information, Signature.     Mine looks like this.

 

TU fico08=822 08/24/20<br>EX fico08=816 08/24/20<br>EQ fico08=831 08/24/20<br>EX fico09=827 09/05/20<br>EQ fico bankcard08=852 07/28/20<br>TU Fico Bankcard 08=856 07/23/20<br>EQ NG1 fico=786 07/18/20<br>EQ Resilience index score=59 08/24/20<br>Unknown score from EX=784 used by Cap1 07/10/20<br>

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 10/06/20
EX fico09=825 10/03/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=854 09/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 1867 of 1,891
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Valued Contributor

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

@LilyBee  By the way, to get to my settings left click on my fico forums above, then in the center left click on your user icon to get a drop down menu to choose my settings....this is for a laptop, or computer, from a smart phone, I have no idea.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 10/06/20
EX fico09=825 10/03/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=854 09/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 1868 of 1,891
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Super Contributor

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

EQ and TU was sitting above 800 for a couple months. I was waiting for EX to catch up. Checked my reports tonight and finally hit it across the board.

 

F.png

Message 1869 of 1,891
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Valued Contributor

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


@AllZero wrote:

EQ and TU was sitting above 800 for a couple months. I was waiting for EX to catch up. Checked my reports tonight and finally hit it across the board.

 

F.png


Nice going @AllZero ! Smiley Happy

 

You want this? I can't wear it until 2022, probably. lol

 

exceptional.png

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 1870 of 1,891
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