Busted 800

[ImBack]

Thanks @shifter. Operator error. I think it’s removed entirely until I can repost w/o PII

[MarvBear]

ImBack:  If you will send me the photos will add them to your signature if that is what you wish.  Use my email address on file.  Or if you cannot see it Just email me the pics at marvbear at gmail dot com.

[ImBack]

Thank you sir, I will ship them across later today. 

[ImBack]

Holding in the 800’s. Spouse is now in the high 700’s, her Experian is 799.

 

Very grateful for all I learned from Credit Boards. No mortgage, 740K in credit card credit, <2% utilization, paying an extra $740 a month on a car loan. 

 

Now what? Any hard to get cards I need to look at?

 

My only late is now over two-year old.
 

Cheers. 

[Goku4]

Congratulations!

[surfit]

740k in available credit limit?? Thats amazing, congratulations. I'm very much interested to see the recommendations you get on which 'hard to get' cards you should look into next.

Edited August 24, 2023 by surfit

[Knight]

On 9/15/2022 at 11:52 AM, shifter said:

You sure there's a 30DL reporting? I don't believe it's possible to clear 800 with any lates, let alone one 2 years old.

 

 

 

 

Edited August 24, 2023 by Knight

[shifter]

20 minutes ago, Knight said:

Where can I find more FICO graphs like this?

See the master threads I bumped. 

[Knight]

Just now, shifter said:

See the master threads I bumped. 

 

Thanks man, I found it. I am currently analyzing it. I have a question though about a spreadsheet in the file, But I don't want to hijack the OP's thread so I will start my own. 

[ImBack]

As you can see, all three FICO 8’s over 800. The late has not aged off. 

[Knight]

What is your AAOC?

[greendeh]

On 8/1/2023 at 11:09 PM, ImBack said:

Now what? Any hard to get cards I need to look at?

 

American Express Centurion?

 

American Express Centurion Black Card 2023 Review

[ImBack]

@greendeh have had the Centurion since the second year it was available. Much easier to qualify for then, and way better benefits than now. 

[Knight]

On 9/15/2022 at 2:53 PM, shifter said:

True, but the basic metrics of how the lates hurt are similar. It hit you about 100-125 points and then you slowly build back up over time, but until the last day it falls off, you're still stuck at 775 range max.

 

Naturally the OP could be talking about a score based on 900, which would mean a 100 pt hit, lessened after 2 years could put you over 800.

Is there a bracket for the Age of credit? Do you think hitting 800 is even possible with AAOC less than 6 years?