WooHoo! First Time in My Life I Broke 800

MarkintheHV · ‎06-01-2023

For the first in my life I have a score over 800!

M_Smart007 · ‎06-01-2023

Very nice and Congrats

citymunky · ‎06-01-2023

Congrats!

Rebuilding since 2021

Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:

Current FICO 8 Scores:

Creditwiser · ‎06-01-2023

Thats awesome, Congrats on your success !

SouthJamaica · ‎06-01-2023

@MarkintheHV wrote:
For the first in my life I have a score over 800!

Congratulations on achieving that milestone.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

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

SweetCreditObsession · ‎06-01-2023

Hey, that's terrific! 😀 Congratulations 🥳🥳🥳

(+102) |

(+106) |

Zoostation1 · ‎06-01-2023

Congrats on your new high score!

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Oct 2025 FICO 8:

Oct 2025 FICO 9:

Oct 2025 FICO 10:

Oct 2025 FICO 10T:

FireMedic1 · ‎06-02-2023

Congrats on joining the 800 club!

BK Free Aug25

GApeachy · ‎06-02-2023

@MarkintheHV wrote:
For the first in my life I have a score over 800!

Is this one of your F9 Auto or Bankcard scores? ~~Or is it a 10 score?~~ (scratch that one)

I still haven't been able to reach 800's on any of my scores and it's nice to see you've done it. What's the 'secret sauce' for you? I'm thinking I'll need to go 1 year app-free.

My Take Home Pay Don't Take Me Home

MarkintheHV · ‎06-02-2023

Its my F9 score. I just had some inquiries fall off of TU the end of May. I have not been app free, but, I have been keeping my apps on the business side so personal side wont be affected. I did however, just get a Charles Schwab Amex Platinum so I can get cash for my membership rewards points, so it might go down when that card hits. Looking back, my last account on my personal credit side was a year ago for my AmEx BCP. All of my credit lines are 45k-70k. I have 6 personal credit cards open. I am a less is more kind of person. I would rather have fewer cards to manage with larger credit lines. Usage on my cards is limited to what is in my signature, and my utiliation is >1% and I do AZEO