To oversimplify and maybe lower the sting of your disappointment a bit, remember how in college they would "curve" the class grades? The ones who got As to begin with would feel cheated when the D, C students would get bumped up to C and B and even B to A. So any statistical model or model of averages is bound to help some more than they deserve and marginalize some that have earned it, its unfair but its part of life. You are in an excellent position that most people would give a limb to be and so be thankful for that and try not to let it get to you so much.
@Anonymous wrote:
@Anonymous wrote:
Fair Isaac's formula is flawed and archaic. It could be a lot better at formulating scores. I should have a score of at least 825? They say the scores range to a high of 850. How the heck would one get a score of 850????? I've done everything perfect (including over twenty years of sterling credit history), and mine is 787???? Ridiculous!
It took 30 years of pristine credit history for me to finally receive an Experian score of 842!
It took me 27 years of pristine credit history for me to hit an EX of 826, so perhaps I might hit 842 in a few years
But 787 is quite sufficient for nearly all purposes, additional points above the high 700s have little practical importance.
@Anonymous wrote:Guardian,
Thanks for injecting some perspective into my maniacal, **bleep**, ice-in-the-veins mindset. I guess I need to just relax a bit. I'm sure that when I'm on my deathbed, I'm not going to be inquiring about my FICO score, or whether or not the formula is fair. :-)
Jerry
Jerry, you are most welcome and again this was in no way to minimize your frustration which I am sure everyone undestands all too well but rather that when you get that high on the pedistole, the only place you can go is down. In a a-backward way, that's a compliment to you that miniscule stuff can "hurt" you so to speak. The good thing about all this is that till the end we continue to inquire and challenge the status quo and make it better, that's all we can hope for. good times, Michael.
@ScoreBooster wrote:
@Anonymous wrote:
It took 30 years of pristine credit history for me to finally receive an Experian score of 842!
....and the moment you "reward" yourself and actually use that score to get a loan (or any kind of new credit account), your score will go down.
Well, isn't it ironic?
darn tootin 
@Guardian wrote:
@ScoreBooster wrote:
@Anonymous wrote:
It took 30 years of pristine credit history for me to finally receive an Experian score of 842!
....and the moment you "reward" yourself and actually use that score to get a loan (or any kind of new credit account), your score will go down.
Well, isn't it ironic?
darn tootin
If I want to maintain that score, I'll have to stick to just doing product changes for the rest of my life!
@Anonymous wrote:
If I want to maintain that score, I'll have to stick to just doing product changes for the rest of my life!
Seems that way