@Anonymous wrote:Does anyone know if there is a "glass ceiling" that occurs in FICO scoring if there is a collection or a charge-off on your reports? I know they hurt less as every year passes. I'm wondering if I can ever get to 680 with charge-off and collections. (currently at 640 with no revolving debt and no late payments in 18 months)
Mine aren't as high as 'some' on here, but I'm living proof! I have about every derog one could have minus the bankruptcy and repo. (and more than one of each...!)
But the 740-770 range comment gives me high hopes! 
EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843
@haulingthescoreup wrote:
There is a "glass ceiling" in that if you have a serious derog and/or a public record, you are assigned to one of the two negative score buckets. There's only so high that you can go in these --760-770, maybe? (bracing myself for storm of contradictory reports!)
Once they fall off your reports, you will be reassigned to a positive bucket, and your potential top score is much higher.
I WISH my score were 760-770 - I just about laid bricks at my desk when when I got to 634 last week!
Hey, AmyBoo--our TU & EX will be at 900 before our EQ gets to that point! LOL
