fico777 wrote:I have scores of EQ-774 TU-773 Ex-781 and this is what my profile looks like;total accounts : 11open:6closed:5Accounts w/bal:2oldest acc:14yrsyoungest acc:2 monthstotal revolving limit:55kutilizing 5% of total credit limitpublic records:0inquiries: 1 on EQ ( ZERO on the other two)Late payments:0I am 36 and for a living I am med-surg nurse---------Hope this helps
fico777 wrote:I have ZERO installment loans or accounts,all revolving accounts.I also have 1 mortgage.
I think this is already an possible 800 profile. This person just got a new account 2 months ago. New account point loss, inquiry + revolving debt will take away points. Played correctly score will be over 800 in 10 months.
rifleman wrote: Fico 777, maybe you are losing points for not having a mix of credit--your scores are high--I don't deny that, but it sounds like you have a perfect credit history, and if you had an installment loan maybe you'd be up in the 800's? That and maybe if your utilization was 1%? Just wondering