Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

[frogfan12]

Is it impossible for someone under the age of say...30 to have a FICO score of 800+? I am 23 but I have an excellent credit history and FICO scores. My problem is that I would like to be in the 800 club but I don't see that happening due to my "short" credit history of 5 years.

[Anonymous]

Hi frog,

Glad you're here on the forums and posting.  Looking at your previous posts, it appears that you were already able to come up with a FICO of 760 on your FICO report simulator.  So, I'm sure you could reach even higher with a few additional years.

Keep working on that PFD or HIPPA for your collection; keep your utilization down, only let one revolving account report a balance (and keep that below 9%), and avoid app sprees that decimate your AAofA.  Once you're over 760, you're in the same high category and have the same low interest rates as anyone with a score higher than you (760 to 850 is a nice big score range).

Sounds like you're working on all the right things.  I'm sure you'll be where you want to be in short order.  And congrats on hanging out here and working your FICO - I wish there had been myFICO forums when I was 23 years old!!!

[Anonymous]

Ok,  So I pulled TU this evening and:

Your Latest FICO® Scores

TransUnion 814 Date: 4/15/2011

Equifax 798 Date: 4/9/2011

[ronaldcleto]

good stuff

[firedogut]

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@frogfan12 wrote:

Is it impossible for someone under the age of say...30 to have a FICO score of 800+? I am 23 but I have an excellent credit history and FICO scores. My problem is that I would like to be in the 800 club but I don't see that happening due to my "short" credit history of 5 years.

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No it is not impossible.   I've have been above 800 on my Eqifax for a few years now and I've just turn 30.    Just keep working hard and fix any mistakes. 

FICO® Scores

TransUnion 804 Date: 6/12/2011

Equifax 809 Date: 6/12/2011

TransUnion 798 Date: 3/27/2010

Equifax 813 Date: 3/27/2010

[911gt34life]

i was wondering what do i need to do to keep my credit score above 780 ?

[MarineVietVet]

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@911gt34life wrote:

i was wondering what do i need to do to keep my credit score above 780 ?

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Just continue to do all the things that got you there in the first place.

Boring but effective. 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[LilyBee]

When you get to 780, you'll know that you've been doing the right thing.

[smallfry]

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@911gt34life wrote:

i was wondering what do i need to do to keep my credit score above 780 ?

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No new applications would help a lot.