Understanding FICO® Scoring

[brother7]

Is it possible? How high can one's FICO get using credit cards only? (no mortgage, auto, student or other types of debt)

If you have achieved FICO 800 with credit cards only, please provide details.

CRA and score (ie EQ 810): 

Total number of accounts: 

AAoA: 

Age of Oldest Account: 

Other useful info (ie closed accounts still reporting): 

[llecs]

I can't give stats without looking it up, but at least two moderator emeriti, I know fused being one of those and I think beamMEup being the other (can't remember), both hit 800 with zero loans reporting; only CCs.

[my-own-fico]

You can add another two. My EQ inbetween two mortgages was 813. DW's TU was 814.

[AndySoCal]

I know it is posible see my siggy

[bettercreditguy1]

My son had an 819 with two paid car loans  at age 27, no credit cards or mortage.

[my-own-fico]

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bettercreditguy1 wrote:

My son had an 819 with two paid car loans  at age 27, no credit cards or mortage.

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With no open trade lines, what score is that exactly and where did he get it?

[bettercreditguy1]

They were true Fico Scores all three from a lender when he began to think about pre qualification for his first mortage.I actually was with him and the bank officer when the scores were pulled.

[my-own-fico]

Thank you. From personal experience, I'll assume the 819 is an Experian FICO II. But could it also be at the time he was an authorized user on a healthy card of yours? Having a thin file, having a zero utilization and being young all ding your scores, often considerably, we have been told time and time again.

PS: It occured to me that that the set of three mortgage scores might be based on the so-called industry version. The score sheet will list the range that was used.

[thom02099]

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brother7 wrote:

Is it possible? How high can one's FICO get using credit cards only? (no mortgage, auto, student or other types of debt)

If you have achieved FICO 800 with credit cards only, please provide details.

CRA and score (ie EQ 810): 

Total number of accounts: 

AAoA: 

Age of Oldest Account: 

Other useful info (ie closed accounts still reporting): 

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Is it possible?  Yes. 

Is it probable.  Not so much.

From what I've read here, FICO scoring looks at a good mix of account types.  If you mean from your question, absolutely nothing reported on your entire history but credit cards, then it could be possible to achieve (anything is possible), but would be more of a challenge.

If you mean having had, somewhere in your credit history, some installment/auto loans, mortgages, etc, but NOTHING reporting currently, or within recent timeframe, with the exception of credit cards, then I think that's probably a more realistic scenario.  The history will show the mix, even though the current history may show only credit cards. 

As with anything credit related, YMMV !