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The highest possible score is possible!

Contributor

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)
4 REPLIES
Valued Contributor

Re: The highest possible score is possible!


greenpang wrote:

Holy f.

 

My mother's TransUnion VantageScore is 990.


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


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Contributor

Re: The highest possible score is possible!

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

Re: The highest possible score is possible!


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

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)