I got my credit score from my bank and wonder what it means in the scheme of things....

[Anonymous]

I recently got a credit line on my home and just received a letter informing me of my FICO score.

It says my FICO score is 891, but I wonder what that means in the scheme of things. What is the best score one can get? How much higher could I go?

Thanks

[RisingScore1719]

What is your secret?

[MidnightVoice]

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ideaman wrote:

I recently got a credit line on my home and just received a letter informing me of my FICO score.

It says my FICO score is 891, but I wonder what that means in the scheme of things. What is the best score one can get? How much higher could I go?

Thanks

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As FICO scores only go up to 850, I assume that is a FAKO score 

[Anonymous]

I agree M.V. Obviously FAKO.

But a fantastic score anyway you look at it ideaman! Congrats!

[Anonymous]

No, Seriously. The letter came from Bank of America.

The second page has Experian, Allen, TX on the top and says title "YOUR SCORE INFORMATION".

Your FICOcredit score on November 16, 2007 was 891. In general, FICO credit scores range between 300 to 850, with higher scores representing a better credit profile. Your score was computed entirely from the information the consumer reporting agency has on file, which comes from lenders and other providers of credit and from public record information.

So my question is....how high does the score really go?

[Anonymous]

You're off the charts !!!

[Anonymous]

http://www.myfico.com/Downloads/Files/myFICO_UYFS_Booklet.pdf

That url was copied from this website, from the downloadable book found in "Support" in the black menu bar, called "Understanding your FICO Score", page 7.

Scoring range from 300-850. If it is beyond that, it is not genuine FICO score.

Wouldn't it be fun to print that booklet out, and go to your banker and ask him how you can have a score that high when FICO scores only go up to 850? (oh, I'm so wicked, lol).

[positronicshell]

when we refinanced our mortgage with BofA this summer DH + i both got FICO score letters like the one you are speaking of. i am pretty certain that the scores on our letters were FICO because we knew our scores at the time.

i have never heard of anyone with a score over the 850, except TU FAKO. but you said they pulled EXP?

perhaps it was a typo + was meant to read 791?

curious if you have pulled your MyFICO score?

regardless once you are over 760, it is just gravy after that.

xoxox jane

Message Edited by positronicshell on 12-04-2007 10:39 PM

Message Edited by positronicshell on 12-04-2007 10:39 PM

[Anonymous]

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ideaman wrote:

No, Seriously. The letter came from Bank of America.

The second page has Experian, Allen, TX on the top and says title "YOUR SCORE INFORMATION".

Your FICOcredit score on November 16, 2007 was 891. In general, FICO credit scores range between 300 to 850, with higher scores representing a better credit profile. Your score was computed entirely from the information the consumer reporting agency has on file, which comes from lenders and other providers of credit and from public record information.

So my question is....how high does the score really go?

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My guess would be it's a Vantage score if it's from Experian.  They go as high as 990    

[Tuscani]

Some industry option scores (like auto) go up to 900.