Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

[Anonymous]

On 10/21/08, my EX score was 831.  Here's my "Credit At-A-Glance" summary:

When I checked my EX score on 1/17/09, it was 842, an increase of 11 points.  Here's the "Credit At-A-Glance" summary from that report:

The only difference is that my credit history aged from 29 to 30 years.  Does Experian reward us at the 30-year mark?

[marty56]

I have 11 months to go to be at 30 years.  We shall see.

[cobaltnv]

Psychic,

  That is quite an increase to an already impressive score. Congrats! I do believe that 842 is the highest i have seen on here (or anywhere for that matter).

Cheers 

[Anonymous]

Thank you, cobaltnv! 

I never expected to have a score that high! 

[haulingthescoreup]

I'll check back with my own update in 11 years, lol.

That's very interesting! I've never seen convincing evidence that history longer than 20 years is rewarded, until now.

[MattH]

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@Anonymous wrote:

On 10/21/08, my EX score was 831.  Here's my "Credit At-A-Glance" summary:

When I checked my EX score on 1/17/09, it was 842, an increase of 11 points.  Here's the "Credit At-A-Glance" summary from that report:

The only difference is that my credit history aged from 29 to 30 years.  Does Experian reward us at the 30-year mark?

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 Well, since my oldest account (AMEX) was opened 4/1/1982 perhaps in the summer of 2012 my EX will get a bump...

[Junejer]

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haulingthescoreup wrote:
I'll check back with my own update in 11 years, lol.

That's very interesting! I've never seen convincing evidence that history longer than 20 years is rewarded, until now.

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Same here HTSU. Dec 2019, my oldest will turn 30. And my oldest child will be 28. Wow!

Is there a 20 year old bump?

[haulingthescoreup]

I had thought that there was a bump at 19, and that that was it, but my brain seems to be losing its grip on these things! I may have to start all over again from scratch.

[LilyBee]

Hello:

I was just flipping through the website and saw this forum.  What are you doing--keeping track of ups and downs?

My scores in 2007 were TU-804; EQ-813; Ex 825.  This month, 2009, they are TU-801; Eq-812; Ex-801.  The change seemed to occur when I contacted my mortgage company for information on my mortgage.  FICO listed this as 'applied for a loan.'  bast----!!   I have 29 accounts,  never late, balance on only one account--mortgage.  I only use a debit card for purchases.  Even that small decrease above annoys me. 

Cheers.   

[haulingthescoreup]

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LilyBee wrote:

Hello:

I was just flipping through the website and saw this forum.  What are you doing--keeping track of ups and downs?

My scores in 2007 were TU-804; EQ-813; Ex 825.  This month, 2009, they are TU-801; Eq-812; Ex-801.  The change seemed to occur when I contacted my mortgage company for information on my mortgage.  FICO listed this as 'applied for a loan.'  bast----!!   I have 29 accounts,  never late, balance on only one account--mortgage.  I only use a debit card for purchases.  Even that small decrease above annoys me. 

Cheers.   

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Hi, LilyBee, welcome to the forums!

Well, sometimes we get side-tracked on the effect of various actions on scores, but mainly, we've been collecting the positive and negative comments that you get on your score reports on the second screen. (EX only does negatives.) We're trying to get a feel for what the scoring formula "wants." So if you have a chance, if you'll compare your reports to the very first thread and see if you have anything that's not on that list, and if so, let us know what it is, I'll add it in.

Oh, and it's not FICO that listed it as a loan app. That comes from the information supplied by the mortgage company to the three credit bureaus. Call your mortgage company and ask why they coded your question as a hard pull of your credit report.