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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
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FICO scores 760 and above

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.

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bobebob
Posts: 260
Registered: ‎08-14-2011
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Re: FICO scores 760 and above

13 years of history.

6 years AAOA.

2 inquiries currently.

 


migliogiorni wrote:

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.




bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
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llecs
Posts: 32,869
Registered: ‎08-04-2007
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Re: FICO scores 760 and above

IIRC....

 

EQ FICO 777. No inquiries. 10 to 13 yrs in history (leaning towards 13). AAoA of 4 years. 6.5 yr old redeemed repo reporting with 2 30-day and 2 60-day lates. However, that had a dispute comment from all the GWing so it shouldn't have counted. No new credit in over a year at that point. Util at 1%.

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HiLine
Posts: 3,176
Registered: ‎10-19-2012
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Re: FICO scores 760 and above

Frequent Contributor
oscar_actuary
Posts: 311
Registered: ‎03-25-2013
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Re: FICO scores 760 and above

[ Edited ]

Mine went below 760 after apping and getting 12 cards in 14 months (in two spurts) and refii-ing the home and car.

It went from 730s to 800 in 15 months after that.dip. It climbed pretty quickly back over 760-780 as the first wave of CC apps aged a year.

 

AAoA ~ 3.5

History:  20 yrs

Never ever late

Car loan currently owe under 50% (1.74%)

Mortgage refied, so no 2nd now, HARP 3.375%, 15 yr

8-12 CC accounts with balances, paid off each month

Available credit almost 2x income <--- that part makes me smh - but it is what it is. Cash Back is nice.

 

 

 

FICO EX 807, 2014 Nov. FICO TU08 800, 2014 Oct.

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MarineVietVet
Posts: 14,967
Registered: ‎07-14-2009
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Re: FICO scores 760 and above


migliogiorni wrote:

For those with scores of 760 and above, how long did it take to reach this? AAOA I imagine 0 to 1 inq's

needed.


As you can see the numbers are varied but here are some common numbers of FICO High Achievers. I got this information from my credit pull of 10/21.

 

* About 96% of FICO High Achievers have not missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. I have none.

 

* Utilization on average is less than 6%. Mine is consistently 1%.

 

* On average FICO High Achievers opened their oldest account 25 years ago. 26 years for me.

 

* Most FICO High Achievers have an AAoA of 11 years or more. Mine is nine years.

 

* FICO High Achievers have an average of 3 credit accounts carrying a balance. I usually have only three.

Super Contributor
mongstradamus
Posts: 7,495
Registered: ‎06-19-2013
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Re: FICO scores 760 and above

For me i think the two most important things for an nice credt score is an pretty high AAOA around the 5+ years range, and having clean payment history with no baddies reporting at all. 


EX Fico 782 9/25/14 Fako 801 CS/Credit.com 11/24/14
EQ SW 823 quizzle fako 796 7/19/14
TU Fico 808 Fako 796 Creditkarma 12/24/2014
Established Member
ZackHere
Posts: 29
Registered: ‎11-02-2014
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Re: FICO scores 760 and above

6 months after I got my first card.

MyFico Current Scores: EX 778 EQ 755 TU 789 at age 20.
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Valued Contributor
uswala
Posts: 2,803
Registered: ‎11-18-2013
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Re: FICO scores 760 and above

In real sense I am at 760+ stage only with TU and for me AAoA is about 1 year 2 months and my oldest account is about 2 year 9 months. I have always PIF. My utilizations have usually been below 5%. Also, never missed a payment.

Scores: EQ Beacon 5.0: 701 (10/27/14); EX FICO 08 Bankcard: 760 (12/10/14); TU FICO 08 Classic: 757 (12/12/14). Entered garden: 28 Oct 14. Gardening indefinitely
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Contributor
CGDefender
Posts: 178
Registered: ‎08-26-2014
0

Re: FICO scores 760 and above

[ Edited ]

Like another poster said, things very depending on the overall credit profile. I am just recovering from an app spree of 5 new CCs, 1 car re-fi and 1 new car loan, but I expect to recover fully within the next few months, and then some. So, I will put what I was back when I had 760+ scores and what I am now as I recover.

 

Because I like the format, I will use steal it... :smileywink:

 

* About 96% of FICO High Achievers have not missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. I have none, never have

 

* Utilization on average is less than 6%. Mine is just above 50% now (was above 80%, mostly due to a HELOC that my x-wife is paying for)

 

* On average FICO High Achievers opened their oldest account 25 years ago. 17 years ago for me

 

* Most FICO High Achievers have an AAoA of 11 years or more. Mine is 6 years (was 9 years)

 

* FICO High Achievers have an average of 3 credit accounts carrying a balance. I have 8 now (had only 3 before)

 

My credit history is very thick on installment loans, with a mortgage, past car loans and vacation property loans. I expect as I get my util down below 30% over the next 6 months, my score will raise into the 800s.

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Tu: 765 / 735 // 766
Ex: 769 / 751 // 766
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