IndyPoolPlayer Posted February 15, 2021 Share Posted February 15, 2021 13 hours ago, hdporter said: Anyone have a 900 FICO 8 Bankcard score to post (such as provided by Citi cards, EQ)?? Sure about that range? I'm looking at my BoA FICO 8 TU and it's 830/850. Quote Link to comment Share on other sites More sharing options...
hdporter Posted February 15, 2021 Share Posted February 15, 2021 4 hours ago, IndyPoolPlayer said: Sure about that range? I'm looking at my BoA FICO 8 TU and it's 830/850. Yes. The FICO 8 Bankcard and Auto versions score 250-900. BA provides a standard FICO 8 score. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted February 27, 2021 Author Share Posted February 27, 2021 (edited) TU FICO 8 Score Factors Congratulations! You have the highest FICO® Score possible. You are doing an excellent job managing your credit. Edited February 27, 2021 by cv91915 althes and MP80 2 Quote Link to comment Share on other sites More sharing options...
MP80 Posted February 27, 2021 Share Posted February 27, 2021 Bank of America does not use the 250-900 bank card FICO 8 to maintenance your account but instead provides you with a monthly free TransUnion FICO 8 credit score. (300-850) You need to apply for a credit card from First Bankcard of a subsidiary of FNBO to obtain the 250-900 bank card 8 FICO scores they provide every month. Quote Link to comment Share on other sites More sharing options...
IH8SPM Posted February 27, 2021 Share Posted February 27, 2021 This is my highest ever since I started my journey here. Sent from my SM-N986U using Tapatalk Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted February 28, 2021 Share Posted February 28, 2021 EX 796 Fico Quote Link to comment Share on other sites More sharing options...
ON-MY_way Posted February 28, 2021 Share Posted February 28, 2021 11 hours ago, MP80 said: You need to apply for a credit card from First Bankcard of a subsidiary of FNBO to obtain the 250-900 bank card 8 FICO scores they provide every month. Which good cc's they issue for? Quote Link to comment Share on other sites More sharing options...
MP80 Posted February 28, 2021 Share Posted February 28, 2021 3 hours ago, ON-MY_way said: Which good cc's they issue for? Try this link here to the FNBO website... https://www.fnbo.com/personal-banking/credit-cards/ Quote Link to comment Share on other sites More sharing options...
ON-MY_way Posted February 28, 2021 Share Posted February 28, 2021 2 hours ago, MP80 said: Try this link here to the FNBO website... https://www.fnbo.com/personal-banking/credit-cards/ awesome thanks. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 9, 2021 Author Share Posted April 9, 2021 Quote Link to comment Share on other sites More sharing options...
althes Posted April 9, 2021 Share Posted April 9, 2021 Best I ever got was 746 EQ 9 currently. But I still have 2 30 day lates. I also have a BT at 78% on a card. But FICO be damned I have better control over my finances. cv91915 1 Quote Link to comment Share on other sites More sharing options...
hdporter Posted April 9, 2021 Share Posted April 9, 2021 Well, I'm back at 850 TU FICO 8 after dropping away roughly 18 mo ago when we highly leveraged a HELOC to fund 15% of the home (w/ 80% mortgage) into which we've yet to move (looking like we'll finally pull the switch in June). Achieved a score hike from 833 when an investment was freed up for liquidation, allowing us to pay down $50k on the HELOC, pay off an $8k installment (orig bal $22k), plus $18k on a credit card ($25 CL). cv91915 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 10, 2021 Author Share Posted April 10, 2021 (edited) I've recently been bouncing between 842 and 846 on Experian FICO 8. Today I'm back at 850. Perhaps coincidentally, an installment (auto) loan that I opened in December (and which started reporting as new/open within the past couple of weeks) updated to $0 / closed today also. I have four inquiries, two of which are < 12 months old, and both of which are auto pulls for the loan referenced above (so scored as one). Other recent changes: Edited April 10, 2021 by cv91915 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 8, 2021 Author Share Posted May 8, 2021 Quote Link to comment Share on other sites More sharing options...
IndyPoolPlayer Posted May 8, 2021 Share Posted May 8, 2021 On 4/10/2021 at 1:25 PM, cv91915 said: I've recently been bouncing between 842 and 846 on Experian FICO 8. Today I'm back at 850. Perhaps coincidentally, an installment (auto) loan that I opened in December (and which started reporting as new/open within the past couple of weeks) updated to $0 / closed today also. So you had an auto loan for 4 months? Talk about your 90 days same as cash.... Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 9, 2021 Author Share Posted May 9, 2021 11 hours ago, IndyPoolPlayer said: So you had an auto loan for 4 months? Talk about your 90 days same as cash.... I would have paid cash, but there was a $500 incentive to finance with BMWFS. I had to keep the loan open for 3 months, or the incentive would have been charged back to the dealer. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 23, 2021 Author Share Posted May 23, 2021 I've been in the low- to mid-840s lately, but I guess today is just my day.* * Unless you count not getting upgraded from ORD-SAN and being seated next to Manut Bol with a glandular disorder for 4 hours. Quote Link to comment Share on other sites More sharing options...
emoticon Posted May 24, 2021 Share Posted May 24, 2021 TU FICO Score 8 via BoA. It has been bouncing around between 820 and 850 for the last few years. In January 2021 it was 849, and in April it was 828. 🙂 cv91915 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted June 18, 2021 Author Share Posted June 18, 2021 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted June 25, 2021 Author Share Posted June 25, 2021 This is with four inquiries, two of which are from December 2020 (scored as one because they're both automotive). The other two inquiries are over a year old, so they aren't even considered. This is with 9 out of 27 open cards reporting balances. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted July 7, 2021 Author Share Posted July 7, 2021 Quote Link to comment Share on other sites More sharing options...
hdporter Posted July 7, 2021 Share Posted July 7, 2021 (edited) On 6/25/2021 at 9:10 AM, cv91915 said: This is with four inquiries, two of which are from December 2020 (scored as one because they're both automotive). The other two inquiries are over a year old, so they aren't even considered. Lovin' the collection of 850's! re the 6/25 post (text quoted above), if I read this right, all 4 inquiries predate June 2021, so your score reflects no scored inquiries ... right? So when are you going to post a FICO9 Bankcard 900 ?? (I'm 31 pts shy at 869 and I don't see any appreciable improvement coming down the pike ... would love to see a "900" posted ) Edited July 7, 2021 by hdporter Quote Link to comment Share on other sites More sharing options...
cv91915 Posted July 7, 2021 Author Share Posted July 7, 2021 5 hours ago, hdporter said: if I read this right, all 4 inquiries predate June 2021 On 6/25/2021 at 9:10 AM, cv91915 said: two of which are from December 2020 👆 Scored as one (automotive inquiries, both on the same day). The other two at the time were older than a year (ignored by FICO). Since that post, one has aged off. Quote Link to comment Share on other sites More sharing options...
hdporter Posted July 7, 2021 Share Posted July 7, 2021 4 hours ago, cv91915 said: Please ignore my post ... multitasking is a problem today. (interpreted your post to say all 4 inquiries were over a year old ... I can't keep straight whether it's 2021 or 2022. I'm f*'d when senility really sets in ) Quote Link to comment Share on other sites More sharing options...
cv91915 Posted July 8, 2021 Author Share Posted July 8, 2021 21 hours ago, hdporter said: Please ignore my post ... multitasking is a problem today. (interpreted your post to say all 4 inquiries were over a year old ... I can't keep straight whether it's 2021 or 2022. I'm f*'d when senility really sets in ) It would help if you'd cut back on the sativa. Just saying. 🍀 hdporter 1 Quote Link to comment Share on other sites More sharing options...
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