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How many tradelines for a 700-800 club score?

Frequent Contributor

Re: How many tradelines for a 700-800 club score?

My signature showed my 700+ FICO scores across all three Credit Report Companies.

I only have 2 accounts, AAoA is 1.1 years, and my oldest account is 2 years.

I guess my scores are so good is because I'm just establishing credit and I don't have any baddies.
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 11 of 13
Regular Contributor

Re: How many tradelines for a 700-800 club score?

Rather than number of tradelines, I think the AAoA + clean report is more important?


Last app 5/7/2014

No apps until 3/31/2016!
Message 12 of 13
Highlighted
Super Contributor

Re: How many tradelines for a 700-800 club score?

The FICO score breakdown is explained on this very site!  See http://www.myfico.com/crediteducation/WhatsInYourScore.aspx

 

So payment history is 35%, amount owed is 30%, AAoA is 15%, new credit (inqs) 10% and credit mix 10%

 

So number of lines comes into credit mix, which is very small.   Keep amounts owed low, pay on time, and don't app very often, and the high scores will come.

Message 13 of 13