how do folks get scores that high in the first place? not that it matters practically speaking, I'm just curious -- that might be one of the highest scores I've ever seen, if it is indeed a real FICO, using the latest algorithm/formula/version.

am I correct in assuming I wont crack 800 if I've never had a mortgage or a car note? just CCs alone, no matter how aged they get wont get me above 800 etc?