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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO