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The lighter side of a fico hit

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Turbobuick
Established Contributor

The lighter side of a fico hit

Got an email this morning stating that my score changed. I knew immediately that it must of dropped since my charge to the IRS in April showed up on current bill. That, and it couldn't go up. Oh well, should be back up soon as I never carry a balance. Smiley Wink2025-05-11_083919.jpg

Message 1 of 7
6 REPLIES 6
Kforce
Senior Contributor

Re: The lighter side of a fico hit

Hope you don't have trouble sleeping with a score that low.    Smiley Wink

Message 2 of 7
Gregory1776
Valued Contributor

Re: The lighter side of a fico hit

How do you keep it at 850? 



Experian [809] TransUnion [823] Equifax [826]

Total Revolving Limits [$224,000]

PenFed Loan: $679/$8,000
Message 3 of 7
ptatohed
Senior Contributor

Re: The lighter side of a fico hit

Hadn't checked mine in a while but this thread made me check.  Surprised it is currently 850!

 

 

 

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[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 4 of 7
Turbobuick
Established Contributor

Re: The lighter side of a fico hit


@Gregory1776 wrote:

How do you keep it at 850? 


The very basics. Fifty years of credit history, but over the last 15 years, I buy everything (sans mortgage) with plastic. When the bills come due, I pay them. I never miss a payment and I never carry a balance. Good credit scores mostly take lots of time.  

Message 5 of 7
Realist
Established Contributor

Re: The lighter side of a fico hit

Knocked down from excellent to excellent.

$XXX,XXX in credit lines.
Multiple months in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...

800+ FICO.

Making all numbers dance on a financial ledger.
Abuse that score responsibility.

Take nothing I say as financial advice. DYODD.
Message 6 of 7
FICOdawg
Frequent Contributor

Re: The lighter side of a fico hit

Wow better do something about those 4 points lol.

 

By user name, you have a GN or a Regal?

FICO8 scores 7/19/25
TU: 773
EX: 767
EQ: 772
1/12 & 0/24
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