I hope I'm posting in the right place... I'm sharing to support others on their Journey. I'm not here to flex but to show it can be done.I'll be brief.
I was a hap hazard user of credit for many years and in 2014 I decided to take control of my destiny. My Goals were simple: Exceptional Credit. I acheived that goal by 2020 but one aspect of it was to reach Perfect Fico8, which was finally made this month.
2014 Starting Point: FICO8 613 618 628
I had some public records and late pays on previous car loan that would expire in 2016 SO I pushed forward not wanting to wait.
I started by Leasing a new car from BMW. I had no credit cards, no mortgages no other loans of any kind. Every payment on time for 36 months. During that time i aquired a few credit cards The ususal suspects NFCU, Chase and Amex. Used and PIF every single one every single time. Then I leased another car in 2017 and added more cards. Then I bought a house with virtually no money down at 5.5%, refi'ed it twice to get to 2.3% plus I was paying an extra principle payment every month. More cards - Today I have 26 of them, mostly rewards, which I get between $5000 and $8000 a year in cash and perks net of annual fees. All in all lots of planning and persistance to reach these goals. It can be done.
2024 Point: FICO8 850 850 850
Wonderful achievement! Congrats!
Congrats on your awesome achievement! You beat the game 🤑💪👏
Congratulations! That's awesome.
Congratulations on this amazing achievement and all the progress you've made over the years to get to this moment!
Nicely done, congratulations!
Amazing achievement and a testament to all of your hard work! Congratulations!
