New FICO score record: 846. I don’t plan on borrowing money ever again, but there it is.
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847 
Well, AMEX tells me it is 835/850, Citi tells me it is 847/900. They both seem happy that I paid off the 5k I racked up on a DIY project and holiday shopping.
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Citi must be on a different scale? Isn’t 850 the usual top?
I always thought it was 850. I get my score from Wells Fargo and it is an 850 max.
827/850. It might have been higher had I not just opened a new card and charged five thousand dollars to score 75,000 American Airlines points (for a total of 176,000)
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I think 850 is the right number, but they both claim to be the “FICO” score.
Mine took a hit last year, I never carried a balance or paid interest, but I guess maybe they pulled it when I had a huge balance for home renovations. It went down like 15-20 points for a little while.
Honestly, I should just stop paying attention. I don’t think I’ll ever need credit again, and even if I do, it’s unlikely my score would ever dip down low enough to be any sort of problem borrowing at the lowest rates offered.
Probably can’t completely ignore since the score is used for things like insurance and other things.
Could also be useful in identity theft as an alert? Your score will drop if someone tries to use your credit.
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I’m pretty sure that the 900 scale is for Vantage scores. I really don’t compare the scores against one another, I just look at each score relative to its history. It’s good to check the full reports once in a while, especially if you see a big score difference.
FICO Bankcard Score (250–900): This is the one Citi uses. It is specifically “weighted” to predict how likely you are to pay back a credit card. Because it’s more specialized, it has a broader range to give credit card issuers more detail on your risk level.
From Gemini
Wells Fargo 827/850 FICO® Score 9
Citibank 845/900 FICO® Bankcard Score 8 based on Equifax data.
With the new tariffs being threatened, I’m guessing Monday is a down day for the markets, but wondering if people will assume TACO and I end up being wrong.
Monday will be flat because it’s MLK Day
As for Tuesday, who knows what was already priced in versus what else might happen before then :shrug:
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Gotta think Trump putting in new tariffs for pure nonsense is a little bit of additional uncertainty that the markets need to price in.
What’s MLK day? Markets are open Monday.
Martin Luther King Jr. Holiday is still in effect afaik. US markets will be closed. Not sure about the rest of the world.
50/50 it will become DJT day via Tweet tomorrow?
US is closed Monday.
Futures indicate a 0.5% drop and gold edging up a bit.
Europe will drop c1% or so tomorrow.
He might share it like he did with the Kennedy center.
I was just being growly about the assumption everyone lives in the US.