Understanding FICO® Scoring

[mazinaige]

Your FICO® score has gone from 796 to 801

Your TransUnion score has gone from 796 on 7/2/2011 to 801 on 9/30/2011 .

Some of the reason for this change:

You have a new positive factor helping your score:  "You have an established credit history."

You no longer have a negative factor hurting your score:  "You have a short credit history."

I am 40 years old. I have three credit cards. The oldest AMEX just turned 20 years old a few months ago. The other two are just a few years old. I also have ten years of student loans used for a PhD. They are in 'in-school' deferment status for another year. That's all, no car loan, no mortgage. 

[Nanz]

WOW - congrats - that's just wonderful!!!! Always nice to hit those new highs!!

[Mekitcat]

  that's a great milestone congrats!!

[digitaldiva]

That's AWESOME!!!

[mazinaige]

Understanding my FICO® Score

What’s helping my FICO® score

1. You have no missed payments on your credit accounts.

2. You've limited the use of your available credit. Ratio of your revolving balances to your credit limits 1%

3. You have an established credit history. Your oldest account was opened 19 Years, 10 Months ago. Average age of your accounts: 5 years

4. You have an established revolving credit history. Your first revolving account was opened 19 Years, 10 Months ago

I have 27 accounts (3 cc + student loans), 22 with balances (1 cc + student loans). 0 inquires. 

[CS800]

Nice !!!!!!!

What a milestone. I thnk we on here all aspire to reach above 800.

[beamMEup]

Congrats on your exceptional score!  Woot-woot!

And thanks for posting some of the details - proof positive (once again) that you can hit 800 without a mortgage on your report!