Member
ChumChurum
Posts: 46
Registered: ‎08-07-2007
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list
[ Edited ]
Score just crossed the 806, as I paid of balances transfers.
 
Date: April 2, 2008
CRA: Equifax
Score: 806
 
Positive Factors:
 
1.  No missed payments,
2.  Ratio of balances to credit limits on revolving accounts: 1%,
3.1.  Oldest account: 12 Years, 3 Months,
3.2.  Average age of accounts: 5 years (5 years, 10 months, from Equifax actual report),
4.  You have shown recent use of cards.
 
Negative factors:
 
None
 
Credit-at-a-glance
 
Balances by account type:
- Revolving balances: $15
- Mortgages: none
- Installments loans: none
 
Total Accounts: 19
w/ Balances: 1
Opened in the last year: 9 (there is a flag next to this, indicating this lowers my score),
Inquiries: 1
 
Additional info, not showin in the summary:
- accounts opened in the past 1 months: 1
- accounts opened in the past 3 months: 1
- accounts opened in the past 6 months: 2
- accounts opened in the past 9 months: 2
- accounts opened in the past 12 months: 9
 
Incidentally, I only have revolving accounts, i.e., 1 out of 3 possible types of accounts.


Message Edited by ChumChurum on 04-03-2008 10:00 PM