Frequent Contributor
Posts: 345
Registered: ‎02-27-2013

high score with out mortgage

Is it possible to get a high score without having a mortgage meaning 760+ just wondering that's always a negative no mortgage. I own my home full & clear.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

Take the myFICO Fitness Challenge
Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007

Re: high score with out mortgage

There are former mods in here who hit into the low 800s without any mortgage reporting. I hit 777 EQ FICO with a low 4 yr AAoA w/out any mortgage reporting. 

Valued Contributor
Posts: 3,303
Registered: ‎06-09-2010

Re: high score with out mortgage

I have no open mortgage, all of them are closed and paid.


My scores are sitting between 790-810 every month depending on how I let other Utilization report.

Good Luck
May all your dreams and wishes become a reality!
Posts: 22,408
Registered: ‎01-17-2008

Re: high score with out mortgage

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+