Credit Cards Center Credit cards from our partners
Reply
Highlighted
Valued Member
Posts: 43
Registered: ‎01-28-2009
0

Re: Is it possible to be the Youngest 800 Club Member?

My son is 20, he is an AU on one of my accounts, and one of my wife's. Both accounts are 10+ years old and have never been late or over the limit.  Other than that he has no credit history. According to TU, his credit score is 807. Equifax claims they don't have enough data to calculate a score for him.

New Contributor
Posts: 111
Registered: ‎03-25-2012
0

Re: Is it possible to be the Youngest 800 Club Member?


Jstic wrote:

My son is 20, he is an AU on one of my accounts, and one of my wife's. Both accounts are 10+ years old and have never been late or over the limit.  Other than that he has no credit history. According to TU, his credit score is 807. Equifax claims they don't have enough data to calculate a score for him.


Yeah, I've seen that as a reason why a young person has an 800 score before. Unfortunately, the only person I did know, my grandmother, who had excellent credit and account history filed for bankruptcy just as I turned 18. I was always hoping to be an AU on one of her accounts because she had superb credit a couple of years before the bankruptcy. My mom is trying to work up her credit and does not have any credit cards. So, I guess it's just up to me.


Starting Score: 570
Current Score: 707
Goal Score: 750 for Summer 2013/790-801 for Summer 2014
CCs: Southwest Rapid Rewards/Wells Fargo Platinum/Citi Hhonors Visa Gold/Sallie Mae/Nationwide/HSBC/Capital One/Fashion Bug/Walmart/Paypal

Take the FICO Fitness Challenge

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.