No mortgage, worse score

[Slab]

I don't have a mortgage and don't plan on having one. Since a mortgage figures into the FICO score, does not having one mean that there is a limit as to how high my score can go by not having a mortgage?

[llecs]

Folks on here have hit into the 800s without any loans or mortgage. With 2 closed car loans I hit 777 w/ an avg. age of 3 yrs and 13 yrs of history and only CCs .

[bettercreditguy1]

My son has an 825 with car loans only, no credit cards or mortage.

[Slab]

Thank you for the good news.

[bettercreditguy1]

My son was 26 years old when I viewed this event. These were lender pulled reports. Ironically, all three reports had the exact same number.

[Burned2manybridgesB4]

Think of it as one less horse pulling the coach, so it takes a little longer to get where you want to be.

[Gunnar419]

My FICO scores from all three bureaus are above 770 with credit cards only.

[CS800]

On the experian score simulator, if I remove my mortgage, I lose 17 points.

So really not sure since there are people out there with no mortgage but with very high fico's (above 800)

[Slab]

I would like to thank all of you for your input, it gives me hope that I can reach my goal.