Maybe some of you are high score players in the spectrum of pinball. How many of you play the credit score game?
I have a new high score, but, this score ebbs slightly time to time. I seemed to have plateaued at this score and can’t get much higher. Does anyone out there have any tips on how to push this score further? Rather than the obvious pay on time thing. I can’t seem to find any other place online to find the key to getting to 850.
FFF7C88A-351D-49B2-ADF3-891FB0E9F5F9 (resized).pngDon't sweat it... that's an awesome score! Best rates and 0% financing is in your future! No need to drink unicorn blood to get 10 more points.
faz
I've kept a running tab of my credit scores for several years. When I bought a new house last year, it really took a hit.
FICO
811 on 4/23/15
820 on 5/20/15
804 on 7/20/15
782 on 8/20/15
785 on 9/21/15
784 on 10/26/15
785 on 11/24/15
792 on 12/24/15
793 on 1/22/16
790 on 2/22/16
797 on 3/28/16
797 on 4/25/16
799 on 5/20/16
799 on 6/23/16
810 on 7/22/16
808 on 8/24/16
808 on 9/19/16
811 on 10/21/16
828 on 12/22/17
822 on 2/28/17
822 on 3/27/17
830 on 4/21/17
833 on 5/22/2017
840 on 7/18/17
844 on 8/21/17
840 on 9/27/17
840 on 10/18/17
844 on 11/20/17
843 on 12/19/17
844 on 1/19/18
826 on 2/26/2018
835 on 3/20/18
829 on 4/24/18
835 on 5/21/18
844 on 6/21/18
837 on 7/25/18 -bought the house
837 on 8/21/18
753 on 9/18/18
753 on 10/18/18
761 on 11/27/2018
771 on 12/19/2018
771 on 1/23/19
771 on 2/22/19
785 on 3/19/19
770 on 5/21/19
783 on 6/19/19
777 on 7/19/19
773 on 8/20/19
782 on 9/18/19
That’s a great record. Mine has not always been so shiny. 4 years ago I had credit card debt that nearly destroyed me. It was business expenses.
A recent pinball purchase with a immediate payment (1week) pushes the score up to the 817. Has anyone ever seen the 850 score?
I have had a score right around 800 for most of my life. I never used a credit card, never paid a bill late, and the loans I did take (car, house) were well within my income means. That being said I am at 807 right now and have been forever. I have no idea how to increase that number. The only debit I have is my home mortgage.
My wife convinced me to put a credit card into the rotation so we get cash back. Both of our credit scores have been with in a point of each others for a long time. The credit card is in her name and now her score dropped to 750ish. Mine has stayed the same even though the credit card shows on both of our credit reports. Again we pay it off every 2 weeks so there are no late payments or other issues. I don't really understand how a credit score is calculated.
The way I understand it; which could be wrong..
The three credit bureaus transunion equifax and experian do routine checks on you every month. Maybe once, maybe more. This may happen Monday-Friday. A sitting balance on a card (regardless of if you pay it in two weeks ) is a NEW balance, and that’s a few -points. Now if you are watching your credit hard like I am because for me it’s a game, you know to make a purchase after being notified about a new score. Then pay it off just before the next notice which is a random guess as to when, but it’s never a holiday or a weekend. Usually a mon tues or Wed. I still have a home mortgage so I would assume that’s why I’ve plateaued.
Please correct me if any of this is known to anyone else
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Kansas City, OR
