09-04-2012 11:20 PM
09-05-2012 05:18 AM
There are many posters in here who hit 800 with no loans whatsoever (e.g. mortgage, SLs, personal loans, car, etc.).
There aren't too many that hit above 760 without a revolving. In fact, I can't think of any but might be possible.
I hit 777 on EQ FICO with no loans and an AAoA of 4 yrs. Hit 750ish on TU FICO with the same.
09-06-2012 02:44 AM
09-06-2012 11:32 AM
I have never had an installment loan and my EX FICO was 790 when I got my letter back from my Amex BCE application. It has been a number of months since I pulled my EQ and I could have sworn it was something like 750-760. I don't know my TU FICO because there is no real way to get a useful FICO score for it.
09-14-2012 09:17 PM
I had a score above 800 (813) with only credit cards (no mortgage, no car loan, no student loan). Since doing app-o-ramas (starting 2007), my score has been in the 790 range. Again, without any installment accounts.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.