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.
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%
