Question for FICO experts

[MidnightVoice]

What is the lowest score you can have with a perfectly clean record?  No lates, collections, public records or BKs?

[llecs]

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.

[Kratos-TM]

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.

[GFer]

Yes! Yes! inquiring minds want to know....!