850 Score

[Thomas_Thumb]

Highest Classic Fico 8 score without an open installment loan is 850.

Ubuntu posted on achieving this back in 2015 and I have referenced it many times since.

[Anonymous]

Good reference above TT.  Do you recall the other stats surrounding his profile... age of accounts, etc?

[Anonymous]

---

@Kforce wrote:

---

DTI = 0

---

I'm assuming that you're referring to utilization here?  DTI is not considered by FICO scoring.  If you mean 0 (%) [reported] utilization, that would result in a no revolving credit use penalty, which could easily be the points you're missing out on for an 850.

[Kforce]

---

@Anonymous wrote:

---

@Kforce wrote:

---

DTI = 0

---

I'm assuming that you're referring to utilization here? 

No.

I let one card report $5-$10 with all others at zero, when checking Fico scores.

DTI is not considered by FICO scoring.

Just shared worthless info.

No reported utilization would result in a no revolving credit use penalty, which could easily be the points you're missing out on for an 850.

Yes, this is true and tested.

Ten to 15 points for all zero for my profile.

I believe my score is less than 850 because I have 3 cards at just over 2 years old.

Fico should go up slowly as cards age.

Don't know for sure but thinking when they reach about 5-7 ?

---

[Thomas_Thumb]

---

@Anonymous wrote:

Good reference above TT.  Do you recall the other stats surrounding his profile... age of accounts, etc?

---

Refer to links below.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Our-Forums-FICO-High-Achievers-Who-has-at-least-one-FICO-Score/m-p/4339441#M101639

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Our-Forums-FICO-High-Achievers-Who-has-at-least-one-FICO-Score/m-p/4682878#M112016

[Anonymous]

---

@Kforce wrote:

---

I believe my score is less than 850 because I have 3 cards at just over 2 years old.

---

---

I don't think that's the case.  I have 7 cards total.  3 are less than 2 years old and 4 are 2-3 years old and I have all 850 FICO 8s.  Your age of accounts factors (all 3 of them) are stronger than mine.

[Kforce]

---

@Anonymous wrote:

---

@Kforce wrote:

---

I believe my score is less than 850 because I have 3 cards at just over 2 years old.

---

---

I don't think that's the case.  I have 7 cards total.  3 are less than 2 years old and 4 are 2-3 years old and I have all 850 FICO 8s.

Your age of accounts factors (all 3 of them) are stronger than mine.

---

Do you have no open installment loans ?

[Anonymous]

I have an open mortgage.

I'm still not clear on why you said it's worthless information to say that DTI doesn't impact a FICO score?