What does 720 look like?

[wHiTeSoL]

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@ptilda wrote:

Can anyone at/near/around 720 tell me what your profile looks like, including:

Age of credit 8 years

AAoA 4.8 years

Util 10%

Number of accounts (CC, charge, car/personal/other installments, student loans, mortgage, other) 21

Pmt history (any lates?) 2 30s 4+ years ago not including below charge off

Baddies? 1 C/O from Cap 1 I cant get removed

Inquiries? 1 on TU

Anything else relevant? 719 According to Barclay a week ago

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[irrational]

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@ptilda wrote:

So I'm getting that age helps, but it's mostly having 0 lates. And inqs seem to matter less in the grand scheme of things...?

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Yes, AAoA of about 6 years seems to be the trend here. Also util less than 20%, and no derogs in the past 4-5 years.

Just some back of the envelope analysis of the postings.

[DrMac210]

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@DrMac wrote:

Can anyone at/near/around 720 tell me what your profile looks like, including:

Age of credit  - 21 years

AAoA  - 15 years

Util  - <9%

Number of accounts (CC - 1   student loans - 18 )

Pmt history   - one 90 day late from 2007

Baddies - 1 judgement from 2007, 1 medical collection from 2009

Inquiries - 0 on all three CRA

[ptilda]

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@irrational wrote:

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@ptilda wrote:

So I'm getting that age helps, but it's mostly having 0 lates. And inqs seem to matter less in the grand scheme of things...?

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Yes, AAoA of about 6 years seems to be the trend here. Also util less than 20%, and no derogs in the past 4-5 years.

Just some back of the envelope analysis of the postings.

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So I'll be there in about 3 years!

[p-]

Mine fluctuate between just over 700 to 731 depending on my utilization.  Here is a snapshot as of today, and if you go back a few pages in my log you can see where I was when I first hit that.

Utilization - 17%
AAOA - 5.00 yr
Oldest Account - 10.35 yr
0 Scored Inquiries
6 Unscored inquiries
1 Mortgage 4+ yrs perfect history
2 Open installment accounts (car loans)
4 Active revolvers
3 Active AU revolvers
1 Active Charge Account
8 Closed in good standing accounts

Derogs:
0 Collection accounts (yeaaah)

Lates-

Experian:
1x60, 1x30, 6.5 years old

Equifax:
1x60, 1x30, 6.5 years old
12x180+, 5.9 years old

Transunion:
1x60, 1x30, 6.5 years old
12x180+, 5.9 years old

[maiden_girl]

Age of credit: 10 years

AAoA: 2 years

Util: 11%

Number of accounts: 10 total / 4 closed credit accounts

1 closed auto loan / 1 open auto loan

Pmt history (any lates?): 0 lates. 100% on time payments

Baddies: No baddies

Inquiries: several within the last year

742 TU FICO