09-30-2011 07:59 PM - edited 10-03-2011 08:45 AM
|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:|
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.
10-01-2011 08:10 AM
10-02-2011 11:31 AM - edited 10-03-2011 08:41 AM
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.
10-03-2011 05:23 PM
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!
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