Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 5,488
Registered: ‎11-13-2012
0 Kudos

Re: How high can your credit score be with only credit cards?

to OP

Yes. My EX Fico was 809 in December at the AX pull with only the two BofA cards reporting.  But then I got 4 new cards (total of 6 inquires within 4 weeks) and now I am on a big dive presently at 740 .. but hope to recover in the next 1-2 months. We will see..


Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: How high can your credit score be with only credit cards?

angelnyc wrote:

llecs wrote:

angelnyc wrote:

llecs wrote:

No, no mortgages, loans, car, etc. Just CCs. Fused was one of the two. I think I know the other but I'd have to confirm.

Wow quite insightful, thanks for sharing that!

I'll often see posters in here asking about adding a loan to help their mix of credit, or worse, posters adamant that adding a loan will help their score. It's easy to hit 800 without one and never made sense to me to spend hundreds or even thousands on a loan just to potentially help a FICO score. Now if someone needed a loan, like a mortgage, then by all means. But nobody should get a loan just for a FICO score.

I think that is very helpful llecs, maybe you should make a static post informing users about making such an error, this def. has helped me clear my  mind on such consideration for the future.  Hopefully others who have ever had this same curiosity come across this thread.

As we always say....YMMV. Based on what I've seen you can nearly top out at the FICO scale without any loans. But what about those with only one CC and a short history? Or those with a small number of CCs and baddies reporting? IMO, there is more harm by adding a loan (e.g. new credit ding, impact to AAoA, interest $$$), but some swear by them. Every scoring bucket treats loans differently. To each their own I guess.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.