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How More Americans are Getting a Perfect Credit Score - Bloomberg

Regular Contributor

Re: How More Americans are Getting a Perfect Credit Score - Bloomberg

https://www.bloomberg.com/news/features/2017-08-14/obsessives-have-cracked-the-perfect-fico-credit-s...

   EQ=810       TU=806       EX=802    INQ=1/3/4   UTIL~1%    AAoA=4yr      AZEO         2.5% VA
Message 11 of 15
Valued Member

Re: How More Americans are Getting a Perfect Credit Score - Bloomberg

Thank you for your time to read and understand. There are minds that think alike about many things and I really think you need to have the whole package together. I am a man of God and I'm no better than my fellow brother and sister in life but it's nice to know that we think alike. Many people don't realize that your Fico means more than cash. In this time and day we live in about 48% of Americans have less than $10,000 Savings in the bank and many people aren't taught what there Financial track record means. I'm very happy to be a part of the MyFico family and I am so happy to receive this wonderful compliment from you. I wish you the very best

Thank you very much

Mako50
Mako50
Message 12 of 15
Established Member

Re: How More Americans are Getting a Perfect Credit Score - Bloomberg

Depending on the lender, one could argue that you would need to hit 780 before getting the most premier rates.   But I agree in concept, an 840 doesn't really get you anything better than what a 790 score would, other than bragging rights, really.   But a lot of us like to brag sometimes, including me.  Smiley Happy


Yes, just one card - by design.
May 2018 Score: 805 (FICO 9 - Experian)
Message 13 of 15
Super Contributor

Re: How More Americans are Getting a Perfect Credit Score - Bloomberg

Having a FICO score well into the 800's allows you to remain in a position to get the best rates even if you open a new account or 2.  Also for  employment that looks at your credit report, it can make a difference in how they perceive you, fair or not.  It can also give you some power in buying a home or car.

06/13/2018: FICO 821 EQ 814 TU 808 EX
Message 14 of 15
Valued Contributor

Re: How More Americans are Getting a Perfect Credit Score - Bloomberg

The very same actions that helped me get very high scores, now makes me not be able to get a lot of CLI's. Recently tried to get a CLI on Cap1, they refused due to the fact I was only using a very small fraction of existing credit line. PIF every month and keep utilization very low and your score will soar, but issuers know they will make almost nothing from transactors, and they are not interested in raising your limit more just to boost your already high credit score. On personal loans, auto loans, and mortgages the high score is great, but don't expect constant CLI's on the cards you are never going over 15% utilization on, and never paying credit card issuers any interest. The issuers would love it if us high scoring transactors would just close our cards, to free up our credit limits for Revolvers who will pay them interest all year. They actually call us transactors...Deadbeats!!! Only in the banking circles would the most responsible debtors be called that.



TU fico08=831 05/31/18
EX fico08=800 06/18/18
EQ fico08=826 04/18/18
EX fico09=823 06/02/18
EQ fico bankcard08=856 05/22/18
Message 15 of 15