Here's a weird one.  FICO 806.  Why am I dubious?  Oldest CC 43 years.  Never missed paying in full every month.  Usual CC (VISA) 14 years.  Never missed paying in full every month.  No mortgage since 1993.  Never a car loan.  Never any other type of loan.  Six CCs, three active.  CC limit $81,000; average utilization 10%.

 

No negatives ever on reports.  Not of any kind.  Bought my two present dwellings for cash.  One home 15 years ago;  one five years ago.  Bought my four cars for cash.

 

Not that it's relevant to FICO, but net worth is ~$20 million, mostly in cash and brokerage accounts.

 

This isn't 850?  What in the world is?