For those watching the results I've updated the second post above with current stats. I will continue to do so as we get replies. Very interesting findings so far!
@olehammer wrote:Results through 2/10 (I will continue to update this post as more scores come in)
Observations based on Data through 2/10.
- 771 is the maximum FICO so far with 1 year AAoA and a clean report.
- 675 lowest clean file impacted by Util of 37%. Data suggests potential for large score bump when brought below 9%.
- 800+ has required minimum AAoA of 4 years
AAoA FICO 8 Oldest Newest 30-60 Derogs HIs Bnkrp Notes 0.8 748 1.3 0.3 0 0 16 N 1.1 771 1.9 0.2 0 0 2 N 1.1 765 1.9 0.2 0 0 3 N 1.3 675 5.1 0.2 0 0 7 N 37% Util 1.3 748 4.1 0.3 0 0 1 N 2% Util 2.0 684 8.7 0.1 2 0 4 N 2.3 664 13.9 0.1 0 1 20 N 14% Util 2.8 775 14.8 0.5 0 0 1 N 4.0 825 6.0 0.1 0 0 4 N 1% Util 5.0 695 8.3 n/a 2 4 0 N 5.5 766 18.3 0.4 0 0 8 N 1% Util 5.8 768 17.7 0.1 0 0 5 N 10% Util 6.6 839 29.0 0.5 0 0 0 N 6.6 817 29.0 0.5 0 0 2 N 6.6 835 29.0 0.5 0 0 2 N 10+ 850 31.7 4.4 0 0 1 N 4% Util
Glad to see the data confirms my suspicions of a large score bump when my utilization gets down. It should be any day now. I'll keep you posted.
Also: I should add I have student differed student loans reporting 100% (38k). The simulator says that paying those down could give me ~20 points.
I'm posting a picture as proof just in case my results aren't beleivable. I really can't believe them myself. Started off in March 2014 when I joined the forum. Had three secured cards and two secured loans. One card graduated to non secured---that's my oldest account. The other two cards I closed and replaced with non secured cards at the end of November. Like I mentioned I paid and closed one secured installment loan and the other one I paid down to nine percent.
@Gardenhand wrote:I'm posting a picture as proof just in case my results aren't beleivable. I really can't believe them myself. Started off in March 2014 when I joined the forum. Had three secured cards and two secured loans. One card graduated to non secured---that's my oldest account. The other two cards I closed and replaced with non secured cards at the end of November. Like I mentioned I paid and closed one secured installment loan and the other one I paid down to nine percent.
Great results! Looks like you are really optimizing based on feedback from the forums. I think your case is great in demonstrating the potential of a young and clean optimized file.
Survey Blank:
FICO 08 Score: 850 all bureaus
AAoA: 11 years
Oldest Acount: 22 years
Youngest Account: 1.9 years
# 30-60 day lates <2 years: 0
# Derogs: 0
# Inquiries <1 year: 0
Bankruptcy (Y/N): N
I made it to 850 FICO8 across all bureaus first time in december.
I have a mortgage with 78% util and 5 cc with 3% util
+
850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP