850 credit score?

[Anonymous]

Lol....didn't think this was possible.

[Thomas_Thumb]

Congratulations

The good thing about Fico 8 850 is that, although it takes a lot of work to get there, it is easy to maintain if you don't need/want new credit. Of course, you may want to "cash in" on the score down the road.

Edit update - I overlooked your signature info. Looks like you already cashed in on the score. I would expect your score to drop significantly within 45 days after the new cards are used which will trigger a recalculation of AAoA and "post/activate" inquiries on your CB reports associated with the new cards.

Enjoy the momentary spotlight.

[Anonymous]

So let me get this straight...

You have 3 cards roughly 3 months old reporting with total $9,000 in limits

You have AU accounts that are  roughly 10 years old giving you another $40K+ in limits.

You maintain about 5% of your $9K limits in utilization

I think you may have found the magic formula! Congrats.

Do you have any installment loans? Or a mortgage?

Any idea what your mortgage scores look like?

[Anonymous]

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@Anonymous wrote:

So let me get this straight...

You have 3 cards roughly 3 months old reporting with total $9,000 in limits

You have AU accounts that are  roughly 10 years old giving you another $40K+ in limits.

You maintain about 5% of your $9K limits in utilization

I think you may have found the magic formula! Congrats.

Do you have any installment loans? Or a mortgage?

Any idea what your mortgage scores look like?

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And you're only 18 years old?

[bada_bing]

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@Anonymous wrote:

Lol....didn't think this was possible.

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Somewhat uncommon, but certainly not impossible. Supposedly about 1 in 200 scores are 

perfect 850's and any one time.

Who's score is it ?

[Anonymous]

You are THE MAN!

[Anonymous]

[Anonymous]

Hey now...OP didn't say it was his/her score. It's jsut a screenshot of an 850 in the wild. It looks like a legit screenshot of someone's Fico 8 from the Amex site. Don't care who it belongs too. It sure is purdy.

[Anonymous]

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@Anonymous wrote:

Hey now...OP didn't say it was his/her score. It's jsut a screenshot of an 850 in the wild. It looks like a legit screenshot of someone's Fico 8 from the Amex site. Don't care who it belongs too. It sure is purdy.

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Best response here.

It's my dad's. Lol. 

[disdreamin]

850 isn't impossible, but opening a new account or taking out a new loan will obviously change that. If you pay your bills on time, don't have too many accounts reporting balances, don't allow big balances to report, and don't open new accounts, that 850 is well within reach over time. The trick for me is trying to get them ALL to 850. That's going to take some work.