@Dubious wrote:
In another forum someone reported hitting 800 with only 3-4 years of history. I don't even know how they did that.
A mortgage isn't needed to hit 800.
+1. You don't need a mortgage to hit 800. I've never had one but have been ~800 for a few years now.
As I've said previously in other posts, the difference between a 770 and 800 FICO is stability. For that 800+ score you need a high AAoA (usually 7-10 years or more), and simply having low util and a perfect payment history won't be enough.
It'll be extremely difficult to achieve 800 if you're the kind of person who apps for cards regularly, gets a lot sign-up bonuses, etc.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
