http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1590862#M66299 <p>I had a score above 800 (813) with only credit cards (no mortgage, no car loan, no student loan).  Since doing app-o-ramas (starting 2007), my score has been in the 790 range.  Again, without any installment accounts.</p> Sat, 15 Sep 2012 04:17:07 GMT ChumChurum 2012-09-15T04:17:07Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1574518#M66064 Does anyone have a EQ and/or TU MYFico Score of over 760 without diversifying your credit accounts (revolving, installment, etc.) and on Credit Card(s) alone? Considering Personal Loan to diversify?<br>-5yrs AAoA; 5% util (Revolving Accts); Oldest CC 8yrs, 2mths, No 30/60/90/120 Late Payments; No collections nor inquiries.<br>8/2012: MYFico(s) EQ 696 &amp; TU 729 Wed, 05 Sep 2012 06:20:11 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1574518#M66064 MakinPenniesSqueal 2012-09-05T06:20:11Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1574626#M66066 <p>There are many posters in here who hit 800 with no loans whatsoever (e.g. mortgage, SLs, personal loans, car, etc.).</p><p> </p><p>There aren't too many that hit above 760 without a revolving. In fact, I can't think of any but might be possible.</p><p> </p><p>I hit 777 on EQ FICO with no loans and an AAoA of 4 yrs. Hit 750ish on TU FICO with the same. </p> Wed, 05 Sep 2012 12:18:11 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1574626#M66066 llecs 2012-09-05T12:18:11Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1576298#M66097 Thanks for the Tip with examples on people whom have excellent scores without loans. I was considering a personal loan just to diversify and increase my score. I currently have no debt and don't need any other loans at this time. A personal loan would of been possibly a waste of expense while lowering my AAoA. This while dropping my score a couple of points in the process. Thanks for the advice as I'll just hold my 4 credit cards for the long haul ;) Thu, 06 Sep 2012 09:44:13 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1576298#M66097 MakinPenniesSqueal 2012-09-06T09:44:13Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1577004#M66108 <p>I have never had an installment loan and my EX FICO was 790 when I got my letter back from my Amex BCE application. It has been a number of months since I pulled my EQ and I could have sworn it was something like 750-760. I don't know my TU FICO because there is no real way to get a useful FICO score for it.</p> Thu, 06 Sep 2012 18:32:17 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1577004#M66108 92235 2012-09-06T18:32:17Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1590862#M66299 <p>I had a score above 800 (813) with only credit cards (no mortgage, no car loan, no student loan).  Since doing app-o-ramas (starting 2007), my score has been in the 790 range.  Again, without any installment accounts.</p> Sat, 15 Sep 2012 04:17:07 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Is-it-possible-to-obtain-MYFico-Score-of-760-on-Credit-Cards/m-p/1590862#M66299 ChumChurum 2012-09-15T04:17:07Z