Valued Contributor
Posts: 1,900
Registered: ‎01-05-2010
Re: FICO 800 with credit cards only
[ Edited ]

Thank you. From personal experience, I'll assume the 819 is an Experian FICO II. But could it also be at the time he was an authorized user on a healthy card of yours? Having a thin file, having a zero utilization and being young all ding your scores, often considerably, we have been told time and time again.

PS: It occured to me that that the set of three mortgage scores might be based on the so-called industry version. The score sheet will list the range that was used.