cv91915 Posted October 13, 2020 Share Posted October 13, 2020 (edited) This is an open invitation to post images of your "perfect" FICO scores here, as you encounter them. A perfect score on any FICO model is welcome (please mention the score model and bureau if not depicted in your image), but for your own good, PLEASE don't post joke skores from places like Kredit Carma. You'll look like a clown. 🤡 I'm first going to post my pinnacle of FICO 8 achievement... not because it's recent, but because I'm still chasing this dragon. 😛 My most recent Equifax FICO 9 from FenPed: Most recent Experian FICO 9 from Wells Fargo: It appears that the FICO 9 from Wells Fargo has been at 850 for 11 of the past 13 months. Edited October 13, 2020 by cv91915 Quote Link to post Share on other sites
StarkRaven$ Posted October 13, 2020 Share Posted October 13, 2020 Not perfect but current TU Fico 795. Quote Link to post Share on other sites
Zanshiro Posted October 13, 2020 Share Posted October 13, 2020 In all honesty, my "perfect" score is around 790. The reason being, I like 0% floating that's invested, using the bank's money to make me money. I have a phrase "Make your credit be your slave, not the other way around." Though it's probably getting risque and very non-PC this day and age, it relates to working for free and profiting off someone else's labor, so it's still accurate. You give me 18 months of free money, I take an 18 month CD, and let it get the 3% (Last I did it rates didn't suck as badly) then pay myself back over time with interest. Eventually, I'd love to keep just two 0% floats going, but that's the plan! hdporter and hegemony 1 1 Quote Link to post Share on other sites
cv91915 Posted October 14, 2020 Author Share Posted October 14, 2020 11 hours ago, Zanshiro said: In all honesty, my "perfect" score is around 790. The reason being, I like 0% floating that's invested, using the bank's money to make me money. I have a phrase "Make your credit be your slave, not the other way around." Though it's probably getting risque and very non-PC this day and age, it relates to working for free and profiting off someone else's labor, so it's still accurate. You give me 18 months of free money, I take an 18 month CD, and let it get the 3% (Last I did it rates didn't suck as badly) then pay myself back over time with interest. Eventually, I'd love to keep just two 0% floats going, but that's the plan! Watch your FICO 9s. You could disembowel Marla Blow and they won't flinch. Zanshiro 1 Quote Link to post Share on other sites
Toast73 Posted October 14, 2020 Share Posted October 14, 2020 I would be happy with 805's (FICO9) across the board. Preferably before my truck starts smoking like a broken oven. Quote Link to post Share on other sites
cv91915 Posted November 5, 2020 Author Share Posted November 5, 2020 (edited) I don't believe this has happened since 2017. Four cards are reporting balances: $2,914 / $21,100 (13.8%) $6,121 / $50,000 (12.2%) - ignored due to credit limit? $ 367 / $15,000 (2.4%) $ 929 / $63,400 (1.5%) - ignored due to credit limit? Overall utilization is under 1%. Edited November 5, 2020 by cv91915 Quote Link to post Share on other sites
LohaLonnie Posted November 6, 2020 Share Posted November 6, 2020 Where can you find your actual credit score. I used the Experian score model when purchasing my car but when the dealership pulled my score (Experian) it was 75 points lower. Now were in the process of buying land, but before I submit the loan application - where could I find my score that is close to my actual score? Quote Link to post Share on other sites
cv91915 Posted November 6, 2020 Author Share Posted November 6, 2020 1 hour ago, LohaLonnie said: Where can you find your actual credit score. I used the Experian score model when purchasing my car but when the dealership pulled my score (Experian) it was 75 points lower. Now were in the process of buying land, but before I submit the loan application - where could I find my score that is close to my actual score? There are multiple FICO models for each bureau that are used to measure risks for different types of credit. The risk factors for someone defaulting on an auto loan vs. a credit card are different. As such, you don't have an "Experian score," but rather several different flavors of FICO scores derived from the contents of your credit file, and the only one that matters for a given credit transaction is the one the creditor deems most relevant to the type of account they're offering. You can buy bundles of dozens of scores using various models from myFICO, but the only way to know which one is relevant for a given transaction is to know which bureau(s) and which score model the new creditor is going to use. Zanshiro 1 Quote Link to post Share on other sites
Zanshiro Posted November 6, 2020 Share Posted November 6, 2020 So for buying this land, are you using a mortgage? If so you're looking for mortgage scores, which tend to take an average of your 3 mortgage-related FICO scores. There are many places, one such is myfico.com to be able to buy scores across the board. I don't remember off-head if there are places you get free mortgage scores, but it seems like there was one or two on the list...don't remember at this point if that's still the case (or updated) however. Quote Link to post Share on other sites
hegemony Posted November 7, 2020 Share Posted November 7, 2020 penfed, FICO9 cv91915 1 Quote Link to post Share on other sites
hdporter Posted November 7, 2020 Share Posted November 7, 2020 My "Perfect FICO Score" follows ... Possibly over-sharing, you'll likely agree that it's evident that I carry too much debt to report an 850 credit score under most any circumstance. In my given circumstances, 819 is very much a perfect credit score. It tells me that, having leveraged myself modestly aggressively to meet my capital needs, and having applied for new credit with some regularity, I still have plenty of flexibility without risking impairment of my overall credit standing. In other words, credit is working for me. Zanshiro 1 Quote Link to post Share on other sites
cv91915 Posted November 7, 2020 Author Share Posted November 7, 2020 (edited) Some creative interpretations of "perfect" in this thread. 😛 Edited November 7, 2020 by cv91915 Zanshiro, hdporter and swimmingwithsharks 2 1 Quote Link to post Share on other sites
cv91915 Posted November 8, 2020 Author Share Posted November 8, 2020 Updated Experian FICO 9 from Wells Fargo. Quote Link to post Share on other sites
cv91915 Posted November 10, 2020 Author Share Posted November 10, 2020 Newer Equifax FICO 9 from PedFen. Quote Link to post Share on other sites
cv91915 Posted November 11, 2020 Author Share Posted November 11, 2020 On 11/5/2020 at 3:14 PM, cv91915 said: We have Netflix!!!!! Quote Link to post Share on other sites
Zanshiro Posted November 12, 2020 Share Posted November 12, 2020 Did you inquire with Experian as to how you can use Boost to make it higher? centex 1 Quote Link to post Share on other sites
Burgerwars Posted November 12, 2020 Share Posted November 12, 2020 On 11/8/2020 at 12:02 AM, cv91915 said: Updated Experian FICO 9 from Wells Fargo. Same here with Wells Fargo. It comes and goes. cv91915 1 Quote Link to post Share on other sites
cv91915 Posted December 6, 2020 Author Share Posted December 6, 2020 Barclays tells me three times every time they post an updated FICO. Some years ago the Aviator Red was PCd to the Silver, and on a separate occasion the Rewards Mastercard was closed and the limit was moved to whichever Aviator product I had at the time. Quote Link to post Share on other sites
IndyPoolPlayer Posted December 6, 2020 Share Posted December 6, 2020 (edited) Because of the "software glitches" with a Memberlicious Credit Union when I refi'ed my mortgage, my TU was HP twice in the same day. And with most of the automated algorithms it seems they are count the HPs separately. I'm still "recovering" so I've paid down all revolving to zero and making sure a zero balance reports. I'm also about to PIF a vehicle loan in January and I've done the card usage dance to restart any clocks, so now to get me zero revolving balance reference point and then maybe play around with the $2 trick and see what that does. Edited December 6, 2020 by IndyPoolPlayer Quote Link to post Share on other sites
cv91915 Posted December 8, 2020 Author Share Posted December 8, 2020 Quote Link to post Share on other sites
cv91915 Posted January 9 Author Share Posted January 9 (edited) My Experian FICO 8 has plunged to 840 due to single-card utilization, and the number of cards with balances. FICO 9 just sits there, grinning. Balances: 7,250 / 24,000 (33%) - Capital One QuirkSliver 5,025 / 15,500 (32%) - Bank of America Travel Rewards 3,100 / N.P.S.L (-----) - Amex Platinum 400 / 14,000 ( 3%) - Amex Blue Cash Preferred 315 / 61,400 (< 1%) - Bank of America Cash Rewards 210 / 31,200 (< 1%) - Chase United Something (AU) 210 / 21,100 ( 1%) - Citi Dubble Kash (AU) 2 / 25,000 (< 1%) - Wells Fargo Something (AU) Edited January 9 by cv91915 swimmingwithsharks 1 Quote Link to post Share on other sites
centex Posted January 13 Share Posted January 13 Not getting the image to easily save to be copied, but had a TU 850/850 show on a Barclays card...first one of those. cv91915 1 Quote Link to post Share on other sites
cv91915 Posted January 14 Author Share Posted January 14 Most recent TU FICO 8 from Discovery. Quote Link to post Share on other sites
cv91915 Posted February 9 Author Share Posted February 9 Finally, back where I belong. Quote Link to post Share on other sites
hdporter Posted February 15 Share Posted February 15 Anyone have a 900 FICO 8 Bankcard score to post (such as provided by Citi cards, EQ)?? Quote Link to post Share on other sites
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