Let's see your FICO credit score

[Gepetto 1,420]

mine is 862

[Dizkneelande 1,120]

818

[RaiderHaters Revenge 4,439]

728. Mine is going down for never using credit now in 5 years  

[seafoam1 3,254]

837 as of just now. 

[TBayXXXVII 2,617]

710

Don't have a kid at 16.

[thegeneral 3,401]

41 minutes ago, Gepetto said:

mine is 862

862?

[TheNewGirl 1,582]

900

[easilyscan 970]

The highest possible FICO score is 850. This score is at the top of the 300-850 scale used by the most popular FICO® credit scoring models. Achieving a perfect 850 score is difficult, with only a small percentage of the population attaining it, and it doesn't necessarily offer tangible benefits beyond already having an exceptional score (generally considered 800 and above)

Mine was around 820 a couple years ago.

[Hawkeye21 2,445]

Mine is currently 817.  A couple months ago it was 833.

[Gepetto 1,420]

44 minutes ago, thegeneral said:

862?

yes, I was checking it when I started this thread. Max possible FICO score is 900.

[Gepetto 1,420]

google AI

The max FICO score for the most common FICO Base Scores is 850, though industry-specific FICO scores for auto and credit card lenders can range up to 900. Reaching an 850 FICO score is considered a perfect score and requires a long history of responsible credit management, such as consistent on-time payments and low credit utilization. While attaining an 850 is a goal for some, a score in the high 700s or 800s is typically enough to qualify for the best loan rates and terms.

[Cdub100 3,983]

830 in July

680 in Sept

 

[thegeneral 3,401]

56 minutes ago, Gepetto said:

yes, I was checking it when I started this thread. Max possible FICO score is 900.

I had never heard of this. Thought it was 850.

[easilyscan 970]

I remember reading an article in smart money magazine. It featured stories of people who literally became obsessed (OCD) with trying to realize a perfect score. 

[easilyscan 970]

6 minutes ago, Cdub100 said:

830 in July

680 in Sept

Divorce? Margin call?

But seriously, what caused the drop ?

[Alias Detective 1,435]

790.  I had 2 credit cards drop off my report.  It dropped my credit history  from over 20 years to less than 2.  My score dropped over 30 points because of a short credit history.  STUPID!

[Alias Detective 1,435]

3 minutes ago, easilyscan said:

Divorce? Margin call?

But seriously, what caused the drop ?

Margin call?  I’d slit my wrist.

[Cdub100 3,983]

1 minute ago, easilyscan said:

Divorce? Margin call?

But seriously, what caused the drop ?

I was actually surprised when I looked at it today because of this thread. I've had a 800+ score for years. That being said, in July I started utilizing my credit in a way they don't like. 2 hard pulls, a personal loan, and took out three 0% CC loans.

Hookers and blow are getting expensive. 

[easilyscan 970]

3 minutes ago, Cdub100 said:

I was actually surprised when I looked at it today because of this thread. I've had a 800+ score for years. That being said, in July I started utilizing my credit in a way they don't like. 2 hard pulls, a personal loan, and took out three 0% CC loans.

Hookers and blow are getting expensive. 

I'm setting myself up here, but WTF. What is a hard pull ?

[TheNewGirl 1,582]

1 minute ago, easilyscan said:

I'm setting myself up here, but WTF. What is a hard pull ?

 

[Cdub100 3,983]

In all seriousness. Credit scores are focking retarded.  @Alias Detective had his score drop because of an old card being removed. If I used my credit to buy an RV and a Ford F350 it wouldn't have gone down as much. If I use it to buy assets and investments, I get crushed.  

I don't worry about it. As I continue to pay it back, it will go back up. And if I need to buy anything big, I can use cash.

[Cdub100 3,983]

3 minutes ago, easilyscan said:

I'm setting myself up here, but WTF. What is a hard pull ?

There are two types of credit pulls

Soft pull is like when your mom first comes in the room

Hard pull is when she gets to sucking

[avoiding injuries 1,639]

I use my cc for everything and pay it off every month. I bounce between the low 800’s and 790’s depending on the balance. 

[avoiding injuries 1,639]

1 minute ago, avoiding injuries said:

I use my cc for everything and pay it off every month. I bounce between the low 800’s and 790’s depending on the balance. 

FICO® SCORE 8

300

Exceptional

850

 

 

808

Updated on September 17, 2025

[Cdub100 3,983]

4 minutes ago, easilyscan said:

I'm setting myself up here, but WTF. What is a hard pull ?

Soft pull is when they just look at your score. It doesn't show someone looked at it.

A hard pull is when someone pulls your full credit report for a loan. It's why if you're car shopping, you want all your hard pulls within a few days of each other. Anytime someone hard pulls your credit your score will go down. Because it's focking retarded. 

[Cdub100 3,983]

2 minutes ago, avoiding injuries said:

I use my cc for everything and pay it off every month. I bounce between the low 800’s and 790’s depending on the balance. 

Ditto, one good trick if you want to increase your score is to pay your card more frequently. Don't wait for the due date.

[easilyscan 970]

1 minute ago, Cdub100 said:

Soft pull is when they just look at your score. It doesn't show someone looked at it.

A hard pull is when someone pulls your full credit report for a loan. It's why if you're car shopping, you want all your hard pulls within a few days of each other. Anytime someone hard pulls your credit your score will go down. Because it's focking retarded. 

That's the type of explanation I was hoping to hear. You should delete the first one. 

[patweisers44 862]

847 as if this morning as a matter of fact.

[Mike Honcho 5,346]

17

[avoiding injuries 1,639]

1 minute ago, Cdub100 said:

Ditto, one good trick if you want to increase your score is to pay your card more frequently. Don't wait for the due date.

I’m lazy. It’s set up for automatic withdrawal. 

[Gepetto 1,420]

32 minutes ago, Cdub100 said:

In all seriousness. Credit scores are focking retarded.  @Alias Detective had his score drop because of an old card being removed. If I used my credit to buy an RV and a Ford F350 it wouldn't have gone down as much. If I use it to buy assets and investments, I get crushed.  

I don't worry about it. As I continue to pay it back, it will go back up. And if I need to buy anything big, I can use cash.

I agree. 

I don't worry about it either.

[lickin_starfish 1,975]

822. 

It's bullishít. Scores go down when you pay off an account? It's a garbage arbitrary number that helps to keep people in the debt slavery system.

I wonder what the US Treasury's FICO score is?

[easilyscan 970]

2 hours ago, lickin_starfish said:

822. 

It's bullishít. Scores go down when you pay off an account? It's a garbage arbitrary number that helps to keep people in the debt slavery system.

I wonder what the US Treasury's FICO score is?

-900

[WhiteWonder 2,860]

811,  went down a bit when I opened a new CC 2 months ago which naturally dropped my average age of my accounts. 

[WhiteWonder 2,860]

3 hours ago, Cdub100 said:

In all seriousness. Credit scores are focking retarded.  @Alias Detective had his score drop because of an old card being removed. If I used my credit to buy an RV and a Ford F350 it wouldn't have gone down as much. If I use it to buy assets and investments, I get crushed.  

I don't worry about it. As I continue to pay it back, it will go back up. And if I need to buy anything big, I can use cash.

they are absolutely BS, but I will say it's easier for them (them being the auto loan lender) to repo a tangible item like an RV and Ford F350 so I can sort of understand that aspect. 

The more ridiculous stuff is having it lowered because you closed/cancelled a card. Or because you don't use enough of your available credit often enough. Like fock, the CC companies want you to use the max and not pay in full every month and never cancel a card you don't need because the perks suck, but why would the credit bureaus want that? All they should care about is your lifelong credit history and how responsible you are with your credit

[MikeMatt 232]

8”