Credit Cards

[greenpang]

Holy f.

My mother's TransUnion VantageScore is 990.

[daybreakgonesXe]

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greenpang wrote:

Holy f.

My mother's TransUnion VantageScore is 990.

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Wow! Awesome! Mind sharing her stats on how she got there? o.O

[greenpang]

Here's what I know:

She's 64 and has never made a late payment in her life. (I don't think she has ever not PIF, either.)

Mortgages: First in 1985, paid in 15 years. Second in 2008, still making payments.

15 open credit cards: 5 bank, 10 retail.

Utilization: 12 with $0 balance, other three: 1%, 2%, and 3%.

Limits: Total $71,600. Range from $300 (!) to $20,000.

Inquiries: 1 inquiry in the past two years.

AAoA: 9 years.

[bs6054]

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greenpang wrote:

Holy f.

My mother's TransUnion VantageScore is 990.

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Where is that from?   On CK, mine has been 990 for the last few months, jumping from 910 to 940 to 990 fairly quickly, while my FICO score stayed fairly stable, between 750 and 770.  So great Vantage on CK doesn't mean great FICO....

[greenpang]

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bs6054 wrote:

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greenpang wrote:

Holy f.

My mother's TransUnion VantageScore is 990.

---

Where is that from?   On CK, mine has been 990 for the last few months, jumping from 910 to 940 to 990 fairly quickly, while my FICO score stayed fairly stable, between 750 and 770.  So great Vantage doesn't mean great FICO....

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Ah, then maybe this isn't as crazy as I thought. It's from CK. Don't know her FICO.

I do know that mortgage and car loan people have had jaw-dropping reactions to her score -- saying they'd never seen a score so high.