Established Contributor
my-own-fico
Posts: 1,032
Registered: ‎01-05-2010
Any VantageScore beyond 950?

I just don't remember ever having seen it in these forums and am curious.

Have you visited myFICO's Retirement Topics forum? ... Confessions of a Credit Junkie ... In the credit card garden since 2010
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: Any VantageScore beyond 950?

I thought I saw a couple in here posting at 990. I don't know if they were truthful or not.

Established Contributor
my-own-fico
Posts: 1,032
Registered: ‎01-05-2010
Re: Any VantageScore beyond 950?

It can be done. The much awaited reporting for a card was in from all three agencies last night.

vantagescore-990-dw.png

 

vantagescore-986-me.png

 

Our credit is not perfect, yet DW's TU VantageScore (501-990) is 990 (and mine is 986). That's different from FICO (300-850) in that even perfect credit returns a score below 850.

 

Have you visited myFICO's Retirement Topics forum? ... Confessions of a Credit Junkie ... In the credit card garden since 2010
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
Re: Any VantageScore beyond 950?

I have a 984 Vantage right now.  The negatives that are holding me back on my FICO scores are late payments.  I have about seven accounts that went late for a period of 6 months in 2008.  The lates range up as high as 150 days.  My Vantage score was around 850 until recently when it shot up to 984.  That was right around the time my late payments aged past 4 years.  Hard to say if that was the reason, but maybe Vantage virtually ingores late payments once they age past 4 years.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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