Can you have a 800 credit score with no credit cards?

[CreditGuy03]

Is such a thing possible? If you do have a credit card does a high credit limit (25k+) factor in getting a higher score?

[youdontkillmoney]

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@CreditGuy03 wrote:

Is such a thing possible? If you do have a credit card does a high credit limit (25k+) factor in getting a higher score?

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^^^^

I am not sure about whether it is possible to get an 800 FICO with cc's. I suppose only someone on here without CC and/or a credit reporting agency explaining the possibility of this will only answer this question. CCs are so prevalent among adults that it is hard to find a case of this, that is an adult without cc's. Unless you are boycotting cc's no reason not to have one or a few.

As for the second question, what counts also is utilization, if you have $25K and use up $24.5K of it, that will hurt your score as opposed to having $25K and using $200 of it, in general.

[Shogun]

Yes, there have been those on here with 800+ scores and no revolving account.