Why can't I hit 800!?

[BlueHusky]

So I've been good with my credit since 18 years old - I got one credit card and paid in full each month. I've never had a single late, and my utilzation is like less than 3%. I have many cards with limits in the 10-20K range, and I have a car loan with Infiniti Finacial services that's been paid on time everything month. No negatives, no nothing bad.

Can you not hit 800 with a low AAoA? I think my AAoA is like 3.5 years.

My experian from Quizzle is 732 for this month. My Walmart from Jul 2 is 757. Never been at 800...

[09Lexie]

AFAIK, the AAOA should be upwards of 6 yrs

[unc0mm0n1]

Add about 7-10 years to yours AAoA

Get a mortagage 

pay off this car loan and then a couple more installment loans

Keep your util low

and avoid any lates or collections.

I could see you at 800 then

[GatorGuy]

Above 800 is considered near perfect credit. Part of that requires a long history of which 3.5 AAoA is not even close. AAoA has been my biggest problem as well but it just takes time.

[FinStar]

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@09Lexie wrote:
AFAIK, the AAOA should be upwards of 6 yrs

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+1

A low AAoA will definitely hinder any efforts to reaching above 800.  Once your file is solid and well established (6+ years) then you can see the upward movement provided no negative factors affect it.

[Mailak]

Discover sent me an EQ FICO of 820 (it was 807 on MyFico) last year. I've never had a mortage or a car loan or anything other than some low CL credit cards. The highest CL I had was $4000, so barely anything to do with that either. The only thing I had was 15 year old cards reporting with perfect history. Those accounts have dropped off now and the score is now in 760s. So, in my case, it's just AAoA!

[Dubious]

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. 

[09Lexie]

Idk how either. Everything I've read a higher AAOA is the key. Obviously, no baddies and low util

[darkfrosty]

im currently 1 point away .. but will definitely be over 800 when my new balance reports.

my AAoA is like 9 years with my oldest account at almost 15 years .. so i would think you need to let your accounts age some more

[Dubious]

I also think inquiries and not often seeking credit is another key factor. In that higher bucket they get dinged pretty badly for even one inquiry.