Been rebuilding now for over a year started out low 600 now in Mid 700s but when I look at simulators most of them tell me lack of real estate credit is hurting my score I own my little shack and 5 acres of land and I'm a truck driver so I'm never even there it's too old to get a heloc and I dont plan on buying a house ever so is there any other way to get real estate data or do I even need it to hit 800 one day ?
Any score over 750-799 is just as good or close to as 800 really. Do you have any installment loans? Truck loan, car loan, anything listed as a loan?
800 is just a number.
Anything you want to do with 800, you can do with 750 if all variables are the same.
I am sure you can hit 800 without real estate. Think of all the apartments in NYC, etc.
GL!
Yup, I will pass 800 for regular Fico 8 pretty quickly now with no installment loans since my last closed in 2014.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."
"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."
- Rhonda Byrne
"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."
- Rhonda Byrne
One of the CRA report me at over 800 without a mortgage. Outside of CC's all I have is a car loan to be paid off in August.
@Firemedic1
Yes got 2 auto load both at about 6500 at 4.24%
Yes got 2 auto load both at about 6500 at 4.24%
