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Contributor
Posts: 81
Registered: ‎11-27-2012
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The highest possible score is possible!

Holy f.

 

My mother's TransUnion VantageScore is 990.

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
Valued Contributor
Posts: 1,877
Registered: ‎11-17-2012
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Re: The highest possible score is possible!

[ Edited ]

greenpang wrote:

Holy f.

 

My mother's TransUnion VantageScore is 990.


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

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 761 EQ 712 TU 740 Credit Karma VantageScore 3.0 (TU) 732 (EQ) 728 Credit Sesame (EX) 776 Credit.com (EX) 774 VantageScore 3.0 726
Contributor
Posts: 81
Registered: ‎11-27-2012
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Re: The highest possible score is possible!

[ Edited ]

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.

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: The highest possible score is possible!

[ Edited ]

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 on CK doesn't mean great FICO....

Contributor
Posts: 81
Registered: ‎11-27-2012
0

Re: The highest possible score is possible!


bs6054 wrote:

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....


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.

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)

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