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Frequent Contributor
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 ?

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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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 ?



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.
 
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Frequent Contributor
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 ?

no..he's actually 30.
God is keeping score....be good to others.
Established Contributor
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 ?

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
Super Contributor
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 ?



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
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And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
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 ?

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


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Valued Contributor
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 ?

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.
Frequent Contributor
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 ?

who knows. Personally, I think he is FOS.
God is keeping score....be good to others.
Established Contributor
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 ]

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
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Senior Contributor
Posts: 3,536
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 ?

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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