topic Re: 829 FICO in Understanding FICO® Scoring

829 FICO

KeithW — Fri, 23 Aug 2013 16:28:04 GMT

My father-in-law said they pulled his FICO the other day and it was 829. I was floored by this. I thought it was almost impossible to break 800. He said he never carries a balance on any card and has never had a late payment on anything in his life. He also pays off all loans way ahead of schedule.

Re: 829 FICO

Shogun — Fri, 23 Aug 2013 16:29:04 GMT

@KeithW wrote:
My father-in-law said they pulled his FICO the other day and it was 829. I was floored by this. I thought it was almost impossible to break 800. He said he never carries a balance on any card and has never had a late payment on anything in his life. He also pays off all loans way ahead of schedule.

And that my friends, is how you break 800.

Re: 829 FICO

audia4 — Sat, 24 Aug 2013 05:21:15 GMT

I just had my last baddie fall off a day ago and my score is now 810 and 804 on 2 of them. So, breaking 800 can definitely be done.

Re: 829 FICO

Shogun — Sat, 24 Aug 2013 05:44:39 GMT

@audia4 wrote:
I just had my last baddie fall off a day ago and my score is now 810 and 804 on 2 of them. So, breaking 800 can definitely be done.

Very nice... Congrats!

Re: 829 FICO

Kratos-TM — Sat, 24 Aug 2013 12:44:04 GMT

2 months away and I'll be there!....

Re: 829 FICO

KeithW — Sat, 24 Aug 2013 21:35:05 GMT

My baddies are all 3 or more years old, but they still seem to be holding me down. That and my utilization being 45%.

Re: 829 FICO

myjourney — Mon, 26 Aug 2013 04:37:14 GMT

It takes years but yes it can be done

Re: 829 FICO

blondy250 — Mon, 26 Aug 2013 07:59:23 GMT

Lmao

Re: 829 FICO

donahue — Mon, 26 Aug 2013 11:26:09 GMT

805 right here

Re: 829 FICO

KeithW — Mon, 26 Aug 2013 23:11:19 GMT

It gripes me how when they list things that could improve my score one of them is my length of credit history. Then they say that the average person with a really high score has a credit history that is longer than I have been an adult. So in other words it sounds like I am getting knocked down simply because I am in my 30s.

Re: 829 FICO

blondy250 — Tue, 27 Aug 2013 00:14:30 GMT

I'm in my 30's (late) and my scores are all above 800. Have to update my sig, Aaoa is important but so are a lot of factors.