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Ummmm....Guys.......

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Anonymous
Not applicable

Ummmm....Guys.......

Guys. Fico Family. I just checked my Fico scores for the first time in a while. 

 

I did it.

 

With all of your help over the last 5 years.

 

EQ 814 TU 812 EX 813

 

I am terrified of losing it now and didn't even know I was over 800!!! 

 

I need to know something. If I refinance my house which has been the goal all this time to build to, will I lose my 800's status?

Message 1 of 7
6 REPLIES 6
Red1Blue
Super Contributor

Re: Ummmm....Guys.......

Congrats

Message 2 of 7
SouthJamaica
Mega Contributor

Re: Ummmm....Guys.......


@Anonymous wrote:

Guys. Fico Family. I just checked my Fico scores for the first time in a while. 

 

I did it.

 

With all of your help over the last 5 years.

 

EQ 814 TU 812 EX 813

 

I am terrified of losing it now and didn't even know I was over 800!!! 

 

I need to know something. If I refinance my house which has been the goal all this time to build to, will I lose my 800's status?


1. Congratulations.

2. If you refinance your house it's your mortgage scores, not your FICO 8's, that will matter.

3. If you refinance your house at a sweet rate, who cares if your FICO scores take a dip for awhile? That's what good FICO scores are for.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 7
Anonymous
Not applicable

Re: Ummmm....Guys.......

Mortgage scores are EQ 809 TU 762 EX 786. I missed azeo this turn which may have hurt me a bit. 

 

And you are right. This is what I have been working so hard for! To refinance and keep building!

Message 4 of 7
surferchris
Valued Contributor

Re: Ummmm....Guys.......

Congrats!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 5 of 7
SouthJamaica
Mega Contributor

Re: Ummmm....Guys.......


@Anonymous wrote:

Mortgage scores are EQ 809 TU 762 EX 786. I missed azeo this turn which may have hurt me a bit. 

 

And you are right. This is what I have been working so hard for! To refinance and keep building!


Well with scores like that I'm sure you're going to get the best possible rate.  Saving a lot of money.

 

Good work.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 7
Mr_Mojo_Risin
Senior Contributor

Re: Ummmm....Guys.......


@Anonymous wrote:

Guys. Fico Family. I just checked my Fico scores for the first time in a while. 

 

I did it.

 

With all of your help over the last 5 years.

 

EQ 814 TU 812 EX 813

 

I am terrified of losing it now and didn't even know I was over 800!!! 

 

I need to know something. If I refinance my house which has been the goal all this time to build to, will I lose my 800's status?


That's quite an accomplishment, good for you!

Put those FICOs to work and save some cash lol.

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 7 of 7
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