Super Contributor
Posts: 8,164
Registered: ‎03-25-2007

Question for FICO experts

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



The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Question for FICO experts

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.

Frequent Contributor
Posts: 429
Registered: ‎05-23-2013

Re: Question for FICO experts

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.

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Established Contributor
Posts: 993
Registered: ‎04-01-2008

Re: Question for FICO experts

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

1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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