Originally Posted by
FTRox87
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?
Barclays TU fico has gotten around 810-820 for my wife, she has no car loans or mortgages on her file since she had a bankruptcy 11 years ago so I left her off all the apps while it was still on there.
To have a super high FICO, have no negatives, a 10+ year oldest account and a very high average age of accounts, available balance, and very low utilization with no inquiries showing. The best thing you can do for yourself to get a high FICO is go back in time and make yourself apply for an Amex card when you are 18, then make sure a majority of your cards are always Amex cards because american express backdates them all to the first one
For an 810, I bumped off all the inquiries but had a whole bunch of new accounts, probably 30+ revolving accounts showing counting authorized user accounts, and no way the average age is more than 3 or 4 years considering all the churning and applications.