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