Jump to content

Post Your Perfect FICO Score Here (Any FICO Model)


cv91915
 Share

Recommended Posts


  • 2 weeks later...

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.
 

Link to comment
Share on other sites

  • 1 month later...

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).

 

Pa3PomK.png

 

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).

Link to comment
Share on other sites

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).

 

 

l4wpJlw.jpg 

 

 

Other recent changes:

 

lcfNJ42.png 

 

Edited by cv91915
Link to comment
Share on other sites

  • 4 weeks later...
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....

Link to comment
Share on other sites

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.

Link to comment
Share on other sites

  • 2 weeks later...

I've been in the low- to mid-840s lately, but I guess today is just my day.*

 

V3ANSyZ.jpg 

 


 

 

 

* Unless you count not getting upgraded from ORD-SAN and being seated next to Manut Bol with a glandular disorder for 4 hours.

Link to comment
Share on other sites

  • 4 weeks later...

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.

 

Lx9CaA2.jpg 

 

Link to comment
Share on other sites

  • 2 weeks later...
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 by hdporter
Link to comment
Share on other sites

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.  

Link to comment
Share on other sites

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 :(  )

Link to comment
Share on other sites

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.

 

🍀

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

×
×
  • Create New...

Important Information

Guidelines