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Frequent Contributor
firstinlastout
Posts: 339
Registered: ‎12-12-2007
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buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 04:27 PM

A co-worker of mine just told me that has a 800 credit score and has NO credit cards...NO charge cards, credit card of any type. He has owned 3 homes in the past and several cars. That's about it.  I told him no way could that be true.....he insists it's true. What's your take on this ?
God is keeping score....be good to others.
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Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 04:29 PM


firstinlastout wrote:
A co-worker of mine just told me that has a 800 credit score and has NO credit cards...NO charge cards, credit card of any type. He has owned 3 homes in the past and several cars. That's about it.  I told him no way could that be true.....he insists it's true. What's your take on this ?

Theoretically possible, I suppose.  He must be pretty old, though, and have a very, very long and pristine history on his installment accounts.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
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Frequent Contributor
firstinlastout
Posts: 339
Registered: ‎12-12-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 04:31 PM

no..he's actually 30.
God is keeping score....be good to others.
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Established Contributor
SonorityGenius
Posts: 735
Registered: ‎10-21-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 05:14 PM

Maybe he was an AU on some of his parents cards otherwise how did he get a mortgage for his first home in the first place without establishing credit history?

Or perhaps it was most likely an office-bluff
 
MEN! and their egos, 800 fico, pfft.. lmao
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Super Contributor
MidnightVoice
Posts: 8,198
Registered: ‎03-25-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 05:17 PM


firstinlastout wrote:
A co-worker of mine just told me that has a 800 credit score
There are Credit Scores and real FICOs.  To which is he referring?  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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Established Contributor
GFer
Posts: 1,019
Registered: ‎04-01-2008
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 05:35 PM

Good one, Midnight. Didn't even think of that. Could be waaaaaaaaaaaaaay off...

1/28/14 EQ 811 9/11/15, EX 821, TU 817 on 6/13/2014

Take the myFICO Fitness Challenge
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Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 05:43 PM

He may also have a HAD a credit card from when he was 18 that he closed and that is still counting in his age and on his reports. It wouldn't help his current mix but it would bolster his age even more.
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Frequent Contributor
firstinlastout
Posts: 339
Registered: ‎12-12-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 07:20 PM

who knows. Personally, I think he is FOS.
God is keeping score....be good to others.
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Established Contributor
aftermath
Posts: 519
Registered: ‎05-09-2008
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

[ Edited ]
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‎06-25-2008 07:51 PM - edited ‎06-25-2008 07:52 PM

firstinlastout wrote:
who knows. Personally, I think he is FOS.




Do what I did with my co-worker who stated he had PERFECT credit.

I offered to pay out of my own pocket to pull his score and prove him wrong. He had 625. LOL!

People who have no idea about credit.... pfftt.

Message Edited by aftermath on 06-25-2008 07:52 PM
American Express Blue Cash Everyday $6600
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Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
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Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
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Senior Contributor
fishbjc
Posts: 3,534
Registered: ‎11-30-2007
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Re: buddy of mine says he has an 800 credit score but no credit cards. Could this be true ?

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‎06-25-2008 07:56 PM

My BIL's is over 800 on TU, don't know about the other two.  He's only ever had one card from NFCU (Navy guy), never owned a home, and has financed two autos.  He's 52 now.
 
I don't know how it's possible at age 30....but stranger things have happened I suppose.
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