10-10-2013 11:12 AM
What is the lowest score you can have with a perfectly clean record? No lates, collections, public records or BKs?
10-10-2013 02:12 PM
I'm lacking in the expertise department, but from experience, my EQ FICO was around 650 with zero baddies reporting, but with util around 89%. I suppose it could have been lower if I had some recent new TLs reporting and maybe a younger history.
10-11-2013 09:30 AM
No expert here but my score was a 600 one time with no baddies. Maxed out cards and a whole lot of new accounts.
Paid off cards and let the accounts age a year and BAM.....went to the 700 club.