Frequent Contributor
Posts: 351
Registered: ‎12-09-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?
The only item listed by EQ as hurting my score was - You recently opened a new credit account.  Your newest account was opened 1 month ago.
EQ listed the following as helping my FICO score: 
1 - You have no missed payments on your credit accounts. 
2 - You have an established credit history.  Your oldest account was opened 19 years,10 months ago and the average age of your accounts is 9 years. 
3 - You've limited the use of your available credit - ratio of your revolving balances to your credit limits 12%. 
4 - You've shown recent use of credit cards.
TU on the other hand, slammed me for this one item:
1 - You have made heavy use of your available revolving credit.  (Same balances as shown on EQ as a positive item.)
And EX, well we all know that they don't play well with FICO.  Smiley Surprised
Oh well.  No more new accounts for me.  Really wanted the Home Depot card because we want to put in hardwood flooring...  And, the water heater is on its last leg.
FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797