Since the FICO scorecard system is very much speculative, has anybody seen posted any anecdotal information about the highest FICO a given scorecard will allow? We already know a flawless scorecard has a max of 850, but what about for example, a scorecard with CO and lates, or BK, or other derogs?
I ask because I seem to be stuck as far as myFICO TU reports regardless what I do with util and single card w/ balances vs. multiple cards w/ balances.
On the question at hand, there is no fixed cap per bucket because of the buckets. Your score is dependent on everyone else's and because of that that cap is ever-evolving. Now it's generally known that it's difficult, but not impossible, to hit 750 with a BK reporting. Or very difficult to hit into the 700s with multiple major baddies. It's a YMMV thing based on the scoring bucket the person is in in relation to how the baddie reports.
Is util listed as a pos/neg factor anywhere on your TU FICO? If not, it'll be hard to impact your TU FICO on util alone.
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
New goal 675