@Anonymous wrote:
I am wondering once you hit 800, how do you get that final 50 points, I assume that they are the hardest to reach since your record is already pretty much spotless.
Welcome to the Forums.
As HTSU said it comes down to time working it's magic. However those last few points are very difficult. In an article from Yahoo Finance dated October 19, 2010:
According to FICO, the company that designed our current credit model, these overachievers are out there. Craig Watts, senior manager for Public Relations for FICO, tells MainStreet that while most people score in the middle-to-low 700s on their credit scale, less than 1% of the U.S. population (about 1 million people) do, in fact, net a full score of 850.
"They tend to be more conservative and a little older," Watts explains. He adds that these individuals also tend be rather humble, which may explain the near mythic status they have inadvertently achieved. "We don't get too many of them in our forums," he admits. "They aren't the type of people who stand up on a bus and tell everyone they scored an 850."
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Love it!!!!!