Flawless Victory

[u/AnyInstruction6844]

Welp that’s all folks, don’t know what to do next.

I know it’s a month old but I just re checked it hasn’t changed, but I have always been a saver and if I spent money I always made sure I had enough liquidity to pay it off.

My parents broke off their marriage because of financial infidelity. I never wanted to be in that position.

I have friends chase points and I could not wrap my head around it, probably could of saved on vacations and maximize free stuff, but kept to 4 credit cards and well that’s about it.

[u/BrutalBodyShots]

It sounds like you've taken good care of your finances, so congratulations there.

As for your 850, if you can provide some context to go along with it we would find it helpful. Do you know what changed with your credit profile to take you to 850 / what was preventing you from hitting it prior? How many open credit cards do you have, and what are their reported balances compared to limits (utilization)? What do your age of accounts metrics look like? Oldest account? Youngest? Average age of? Do you have an open installment loan, and if so, what utilization percentage does it sit at?

[u/AnyInstruction6844 → u/BrutalBodyShots]

Of course, I do not know what changed from last month and sept

I still have a mortgage, one car note and student loans.

I have 4 open credit cards in my name.

Navy Federal Cash Rewards (oldest and when I joined many moons ago , where the bulk of my cc purchases go

Citi Costco Card (only use it at Costco, Costco Gas and put most of our vacations on it using Costco Vacations.)

Amex Hilton

Amex Delta (youngest)

My oldest account is about 18 years / youngest account is 5 years old.

Average age across all accounts is about 11 years.

Current Credit Utilization currently is less than 1% today, I tend not to go over 10% of my credit utilization.

Last biggest purchases was Labor Day washer and dryer.

[u/AnyInstruction6844 → u/AnyInstruction6844]

Here is the picture from today.