It happened. Paid off the mortgage and car. Score went to Fico 08 787. Today I added a small installment loan of $10K plus and it showed the loan amount paid $0 which was correct. :mrgreen: My average age is around 9 years and oldest 17 years. Surely did take a big hit. When I was truly gardening for five years and had a mortgage and installment loan the Fico 08 score sat at 850 for five years (more than 10 years over 800 Fico 08). Guess I am now just Fico scum and am relegated to the "outlier" group! :violin: Oh ... woe is me :angry-banghead:
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Fire Fico Score Drop

1 of 2
4 months ago
Wed May 01, 2024 9:48 am
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Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 52 minutes Next Level in3 hours and 8 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 8 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 8 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 8 minutes
Post was altered.
Last edited by Dinosaur on Wed May 15, 2024 8:05 am, edited 3 times in total.
It happened. Paid off the mortgage and car. Score went to Fico 08 787. Today I added a small installment loan of $10K plus and it showed the loan amount paid $0 which was correct. :mrgreen: My average age is around 9 years and oldest 17 years. Surely did take a big hit. When I was truly gardening for five years and had a mortgage and installment loan the Fico 08 score sat at 850 for five years (more than 10 years over 800 Fico 08). Guess I am now just Fico scum and am relegated to the "outlier" group! :violin: Oh ... woe is me :angry-banghead:
Dinosaur
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Seasoned Rebel
  • Score data EQ8:808 TU8:803 EX8:799
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Re: Fico Score Drop

2 of 2
4 months ago
Mon May 06, 2024 4:10 pm
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Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 52 minutes Next Level in3 hours and 8 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 8 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 8 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 8 minutes
Oh ... oh ... oh my Fico 08 EX Score dropped again. I am Fico Scum! Now down to 802. Need to jump off a cliff ... hasn't been this low in 15 years! All I did is paying everything off and add a couple of credit cards and a line of credit plus an installment loan. Geez ... you'd think I was sub chasing :(
Dinosaur
User avatar
Seasoned Rebel
  • Score data EQ8:808 TU8:803 EX8:799
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