Moderator Emerita
Posts: 28,094
Registered: ‎04-01-2007
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list
You fall far out of the general mix of credit consumers, so it's not at all surprising that your score is so goofy. FICO scores are designed to attempt to predict future credit behavior by the consumer, and you now aren't giving them as much recent information as they would like, as you no longer have any installment loan products.

At some point, everyone comes to a place where what makes sense financially does not make sense for FICO scoring and vice versa. That's where you are now. It would be silly financially to take out a $2000 loan to placate the score formula, but that would probably raise your scores. And as you point out, you have no need in doing that.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007