Reply
Established Member
Posts: 40
Registered: ‎09-21-2011
0

Re: What are the highest FICO scores ever reported on this forum?

[ Edited ]

Recently I did a mortgage preapproval and my Experian score came out to be 836, here's my credit history:

 

3 open credit cards
1 student loan

1 car loan

 

Oldest account: 11 years (a CC opened in college)

 

Average age of accounts: 6 years

 

hard inquiry : 1

 

Accounts opened in past year: 1

 

Never had a mortgage, never had a late payment. You don't need to be old to have a high credit score :smileytongue:

 

 

New Member
Posts: 1
Registered: ‎07-12-2014
0

Re: What are the highest FICO scores ever reported on this forum?

Sorry for the brag, but I am super excited to have hit 850 today.  Here's a screenshot that I just took http://i.imgur.com/9jY6DYw.jpg

 

When I signed up for MyFICO back in June 2006, my score was 636.

Moderator Emeritus
Posts: 11,171
Registered: ‎12-30-2011
0

Re: What are the highest FICO scores ever reported on this forum?


boswell wrote:

Sorry for the brag, but I am super excited to have hit 850 today.  Here's a screenshot that I just took http://i.imgur.com/9jY6DYw.jpg

 

When I signed up for MyFICO back in June 2006, my score was 636.


Grin, no apologies necessary!  Is nice to see more people max the scorecard: for analysis purposes would you mind sharing what's basically in your credit report in terms of number and type of tradelines?

 

Seriously, congrats!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎03-05-2015
0

Re: What are the highest FICO scores ever reported on this forum?

I see that no one has been on this forum for years..  I had no clue what a very good FICO score was and not sure how I accomplished this but as of yesterday my FICO score is 834. I am looking for a house so my realitor suggested getting my score, when I told her she said it must be wrong.. no one has a FICO score that high.  Last time I checked was about 6 years ago and it was 799.  Thought it would be helpful to share the stats with those trying to improve their score.. I used the same format as previous folks.

 

FICO score: 834

 

Total accounts: 41
___14 open credit cards

___1 open mortgage
___23 closed credit cards
___3 closed mortgages

 

Oldest account: 26 years

Average age of accounts: 9 years

 

Total late payments: 0

Total credit line of open accounts: $61,400

Total current balance: $2,853


Utilization: 5%

 

Accounts with current balance: 4
 

Inquiries in past year: 1

 

Collections: 0

 

Public records: 0

 

Valued Contributor
Posts: 1,616
Registered: ‎01-05-2010
0

Re: What are the highest FICO scores ever reported on this forum?

Welcome!

There is a FICO score for each of the three main credit agencies: Equifax (EQ), Transunion (TU) and Experian (EX), and there is a FICO score for each of the main generations: FICO 08 (2008), FICO 04 (2004) and FICO 98 (1998). These are just the classic scores; there are also specialty versions such as FICO auto-enhanced scores. I wouldn’t be surprised if there’s a score showing how risky you may appear to your mother-in-law. Aren’t you happy you asked?

You get the three FICO 08 scores here at myFICO. The mortgage scores are FICO 04 for EQ and TU and FICO 98 for EX; two of these three and some enhances scores are included in the 3-bureau package.

It’s possible to get 850 for each of the three FICO 08s. Contrary to public opinion and general announcements, it’s not possible to get 850 for any of the FICO 04s or FICO 98s; as an example, 817 is the high that you will see for EQ 04.

Are you living within your means?
Established Contributor
Posts: 758
Registered: ‎01-20-2014
0

Re: What are the highest FICO scores ever reported on this forum?

Wow, I was happy seeing my TU score hit 804 yesterday per free Barclay Fico score. I guess I need to work on my scores...lol to keep up with you heavy weights.

$600 Barclaycard® Rewards MasterCard® - Average Credit $3500 Blue Cash Everyday® Card from American Express $20k Discover it® - 18 Month Balance Transfer $8000 Chase Freedom® - $200 Bonus 11k VSiggy
New Contributor
Posts: 169
Registered: ‎03-02-2015
0

Re: What are the highest FICO scores ever reported on this forum?

At my job, I've seen a few people with 850 credit scores, I work at a CU.
Valued Contributor
Posts: 1,616
Registered: ‎01-05-2010
0

Re: What are the highest FICO scores ever reported on this forum?


MarinoHD wrote:

At my job, I've seen a few people with 850 credit scores, I work at a CU.

 

Would you happen to know which type of FICO score your CU uses?

 

Are you living within your means?
Moderator
Posts: 17,141
Registered: ‎07-14-2009
0

Re: What are the highest FICO scores ever reported on this forum?

My scores were pulled last October. I doubt they would remain at that level if I pulled today because scores constantly go up and down.

 

I know of at least two more members here who have reported all 850 scores.

New Contributor
Posts: 169
Registered: ‎03-02-2015
0

Re: What are the highest FICO scores ever reported on this forum?


my-own-fico wrote:

MarinoHD wrote:

At my job, I've seen a few people with 850 credit scores, I work at a CU.

 

Would you happen to know which type of FICO score your CU uses?

 


I know we pull EQ almost all the time but I've never seen documentation on the more specific EQ type.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.