850! It's possible!

My goal was to reach 850- it happened once my kids all left home and graduated- but it happened! I'm sure I 'm not the model YNABER- BUT My spending is under control and my savings is up- and I'm not afraid to take on extra jobs!

What more could I want! ( a   ynab tee-shirt maybe?)

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    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 2 mths ago
    • Reported - view

    Nice!

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  • As my high school  physics teacher used to say, "units?"

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      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 2 mths ago
      • Reported - view

      nolesrule In FICOs, presumably.  It sure if that’s Celsius or Fahrenheit, miles or kilometers, or ounces or milliliters, though. 

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      • Yanma
      • Hello!
      • Yanma
      • 2 mths ago
      • Reported - view

      Habanero Salsa ... But what's a FICO?!

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      • TechieM2
      • IT Professional and General Geek
      • techiem2
      • 2 mths ago
      • 1
      • Reported - view

      nolesrule Obviously CPPS - Cat Pics Per Second

      Like 1
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 2 mths ago
      • 1
      • Reported - view

      TechieM2 Furlongs per fortnight?

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • Reported - view

      Habanero Salsa That would be really slow.

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      • RIP_MSMoney
      • FinTech Programmer
      • rip_ms_money
      • 2 mths ago
      • 2
      • Reported - view

      I thought they were talking AoM

      Like 2
      • Blue Falcon
      • Blue_Falcon.8
      • 2 mths ago
      • 1
      • Reported - view

      Habanero Salsa   I would have liked as SAT score like that : )

      Like 1
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 2 mths ago
      • Reported - view

      nolesrule metric beers.

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    • Habanero Salsa 850 FICOs? I only have 1...🤷‍♂️

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    • RIP_MSMoney Ditto. That's what I assumed and I'm now secretly lusting after that AoM for myself.

      Like
  • Congratulations on reaching that 850 milestone, Blue Falcon ! 🎉

    Like 1
  • I don't know if I could ever get there. Credit Karma and Credit Sesame tell me I get dinged for not having enough loan types. I just have a mortgage and PIF CCs.

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      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths ago
      • Reported - view

      Superbone You must be a youngin'.  Helps to be old in this regard :).

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      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 2 mths ago
      • Reported - view

      Annieland How does being old help you have more loan types? My fiance's in his 40s, and were it not for me, he would have had zero loan types on his credit report. As is, we barely have a couple of PIF CCs and a paid-off installment loan for him.

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      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 2
      • Reported - view

      Annieland I wish! I'm certainly no youngin'. 🙂 I thought we were talking about a max score of 850. I just checked my Citibank FICO score and it's 848 out of 900. My TransUnion score according to Chase is 828 out of 850. That's what I thought we were talking about.

      Like 2
      • Blue Falcon
      • Blue_Falcon.8
      • 2 mths ago
      • 1
      • Reported - view

      Annieland    No not a youngin '  - helped when the kids all graduated and got good jobs away!

      Could never have done it when they were all home ; )

      Like 1
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths ago
      • Reported - view

      bevocat Not loan types, credit score.  Age of your accounts is a huge factor.

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      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths ago
      • 1
      • Reported - view

      Superbone Uhhh it sounds like your score is just fine then :).  But I agree, I've never seen that elusive 850 either.  Closest I've gotten is 847.  Oh well :).

      Like 1
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 2 mths ago
      • Reported - view
      Superbone said:
      I get dinged for not having enough loan types

       Annieland right, but he said nothing about age of accounts.

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • 1
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      Superbone I'm currently being dinged for a new mortgage and some utilization. Utilization will come back down with the next statement cycle as we've settled down from all the moving expenses.

      Dropped below 800 for the first time in years.

      Like 1
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths ago
      • Reported - view

      bevocat Sorry, my bad, my joke was unclear.

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      • TechieM2
      • IT Professional and General Geek
      • techiem2
      • 2 mths ago
      • Reported - view

      Annieland I would be soo close to having an account 25 yrs old...if they hadn't reset the account dates when MBNA merged with BOA.  *grumble*

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • Reported - view

      Superbone According to Discover's FICO score I was at 850 about a year ago. Currently at 810. Credit Karma's scores using their scoring system have always been lower. Real scores provided by credit checks when getting mortgages have always been lower than Credit karma. So I don't bother trusting any of the online ones as accurate.

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    • nolesrule I worked over 30 years in mortgage and auto financing.  While your standard FICO score is a good gauge as to your credit health, each lender I've ever worked for used proprietary scoring models to help decision their loans.  Even if not using a proprietary model, there are different score models for autos, mortgages, renting, etc.  so you'll almost never see your score match exactly to what any given lender is using.

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  • It's also possible to get 850 by moving to Tallahassee, FL and getting a new phone number. :-P

    Like 2
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 2 mths ago
      • 2
      • Reported - view

      nolesrule And if you're not picky, you could move to Chicagoland and get an 847!

      Like 2
    • nolesrule 

      Best answer yet! LOL

      Like
    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 2 mths ago
    • 1
    • Reported - view

    I've been hanging in the 780s-790s lately on my Transunion score.  I'm guessing once my car loan passes 2 years old so the inquiry checks from that will drop off it will bump up a little bit more.  It is slowly climbing though as I continue paying down the car.

    Like 1
    • casner
    • Now retired, and figuring out transitions
    • casner
    • 2 mths ago
    • 1
    • Reported - view

    Mid 830's for me, because I don't have enough types of loans (none, actually) and they want to see regular installment payments.

    Like 1
    • casner isn’t that a funny sythem?! 

      Apparently mortgage debt is very high here (netherlands), but having CC debt isn’t that common as in the U.S. 

      I’ve heard about  credit score but never knew any numbers. And it not going up because of not having any loans seems just so peculiar to me!

      (going to Google if credit score is a thing here at all)

      Like 1
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 2 mths ago
      • 1
      • Reported - view

      Powder Blue Pony They list reasons why it’s not higher, even if it’s already very high. Mid 830s is going to get the very best rates and opportunities available.

      Handling different kinds of credit well correlates with being less risky, so your score will go up. Some people try to game the system by behaving in a certain way. I prefer just to pay my bills on time and let the rest fall were it may. I’m just 18 but my credit score is high enough not to be an issue because of that. 

      Like 1
    • Habanero Salsa aha. 

      After some simpel research: credit scores aren't used here very often. There is a national credit registration point, which I luckily did know about, where debt and being behind on them are registered. 

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      • casner
      • Now retired, and figuring out transitions
      • casner
      • 2 mths ago
      • 3
      • Reported - view

      Powder Blue Pony I could push the number higher by taking out a loan, and by using a store credit card and paying it off over time. But since I am now debt free (including no mortgage) I don't want to do those things. The funny thing is, mid-830's is high enough to qualify for the best loan rates if I wanted one, but now I don't want one.

      Like 3
    • casner yes funny 😊. And a good realisation, especially on the day before black friday. Not quite the same but just because that has so much to do with thinking you want things. Hot topic at my house at the moment; my 11 year old has been scanning all the sales for weeks as he's saved up for an x-box. Well planned spending. That's good. But the whole hype also makes him long for the latest version. I do hope that once he's bought a second hand one (all he can afford) he'll feel he doesn't need a beter one for a while. 

      Like 1
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