marty56 wrote:He could be a fake FICO faker or a fake FAKO FICO faker.
I'd say it's possible to have an 800 FICO with no credit cards. Kind of the hard way to do it, but if all the other credit "stars" were properly aligned--long history, long average age of accounts, no inquiries, no lates or derogs--I don't see any reason it couldn't happen.
ooooh, I read 20. 30 is slightly more possible than 20, but I still say it sounds like balogna.
cheddar wrote:Still think it's possible at 30 years of age, TNWM?
Even if true, its kinda a mute point since most of us have credit cards and use them to some degree.