Can I get an 800 credit score before my 20th Birthday?

[Subexistence]

Here is my story so far

http://ficoforums.myfico.com/t5/General-Credit-Topics/1-year-anniversary/m-p/5116038#M253106

I want to know if I can get a benchmark record of 800 credit score before October 2018 without any AU boost. 

I decided that I will just simply update my progress here.

October 2016

• Disco secured $2500
• Secu student card $500(closed November 2016)
• duplicate Secu student card $500(closed February 2018)
• Secu LOC $ 500

April 2017

• FICO scores released EX 732, TU 717,  EQ 713
• BCE $1,200
• SSL

May 2017

• FICO EX 708, TU 715, EQ 717
• BBR $1,100
• Disco CLI to $4300

June 2017

• FICO EX 719, TU 717, EQ 722
• BCE CLI to $3,600

July 2017

• FICO EX 729, TU 754, EQ 770

August 2017

• FICO  EX 733, TU 742, EQ 755
• Barclays $3000
• Disco CLI to $6,100

September 2017

• FICO EX 761, TU 751, EQ Lenny down

October 2017

• Ex 771,TU 759
• Paypal Cashback 2% $6000
• Disco CLI 6,100->7,900

November 2017

• Ex 771, TU 760

December 2017

• Ex 767, TU 762
• BCE CLI 3,600->10,800

January 2018

• EX 772, TU762

February 2018

• FICO EX 769, TU 762

March 2018

• FICO EX 769, EQ 765, TU 767

April 2018

• FICO EX 775, TU 771

May 2018

• FICO EX 778, TU 771
• BBR CLI 1,100->3,100

June 2018

• FICO EX 786, TU 765
• BCE CLI 10,800->26,700

July 2018

• FICO EX 786, TU 765
• Disco CLI 7,900->8,900

August 2018

• FICO EX 786, TU 766

September 2018

• FICO EX 789, TU 777

October 2018

• FICO EX 795, TU 787, EQ 807
• Disco CLI 8,900->10,400
• Paypal CLI 6,000->8,000
• Uber $500

[Anonymous]

What's the opening date of your absolute oldest account?

[Subexistence]

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@Anonymous wrote:
What's the opening date of your absolute oldest account?

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October 2016

[Anonymous]

Likely answer is no but I'd love to see your sanitized redacted 3B when you hit 20!

Typically the minimum threshold for 800 comes with an AoOA > 3 years, no new accounts for a year, minimum 5ccs and an installment under 9% left to pay. AAoA data points seem to show 2 years is needed or the profile ends up being at 785-795.

I have a lot of super young folk in a local FIRE group who are all 800+ but they're 22-23 years old. None have AU accounts. They just started in their teens and at 18 built credit properly.

I'd say if you can get your newest account to 1Y and your inquiries > 1Y you'll be close but I think you need a 3Y AoOA.

[Anonymous]

That is going to be really really tough to pull off considering your max age will only be 2 years at the time.

I was under the impression that anything over 780 needed 5 years+ on oldest account and over 800 needed 10.  Additionally AAoA needed to be roughly half those.

I could see 780 by 20, but 800 probably closer to 22-23.

But what do I know, youre fricken 19 with Amex and Barclays so (╯°□°）╯︵ ┻━┻)

[Anonymous]

I've seen 4 3Bs at 795 with AoOA at 3 years and none of them had 5ccs+1loan under 8% plus AZEO. I am holding out for an 800 at three years because there are mythic data points on other forums saying it's possible but I need to see it to believe it.

The AoOA has some huge leaps later on. 10-15 year, 15-20 year, 20+ year all seem to give about 10 points per threshold. So 820 at < 10 years oldest. Assume thresholds at 8-10 years and 5-8 years means 800 is definitely more likely for a 5 year oldest account but the rare 22 year old I've personally seen hit 800 didn't have a 5 year old account.

Length of credit is merely 10% of FICO score so 55-60 points including buffer. I'm thinking the lower oldest account thresholds may not give 10 points, which means there's a tiny chance of 3Y oldest crossing the barrier if all else is perfect. AAoA is tough to get to the 2 year threshold with a 3Y oldest.

[Anonymous]

I get ya but mathematically 10% of 800 is 80, can he really pull 80 points from a 2 year old length?

I dont think so, in fact I bet he doesnt get more than 50-55.  Using the estimator tool I have never been able to generate higher than a 775-790 without an account > 10.

Id say his earliest possible 800 score assuming he does everything else right, comes in around his 22nd birthday and maybe 22 1/2, just before he comes into that 5 year mark.  Once he hits that hes going to be over 800 forever if he doesnt mess it up.

Thats not to say he isnt already beyond where he "should" be now.  Ive never seen a score as high as his in my life and im double his age XD

[arkane]

When I only had 1 card and my AAoA reached 23 months, my FICO8 was 781 TU and 788 EX. Broke 800 TU around the 4 yr 5 mo mark, although I possibly could've gotten >800 earlier had I kept a closer eye on util.

Honestly, hitting >800 is nothing special. Even if you have a perfect file like I did (5 years of sparkling clean history), you'll still get dinged massively if it's thin (ie 1 card). Yes I'm still bitter that Discover gave me a joke of a 2.5K toy limit, and Barclays' computer auto-denied me despite an 802 TU.

[marty56]

I knew someone at work who was 25 and had 800 credit scores.  She was in the military since 18 and had a mortgage and car loan and some CCs.

[Revelate]

We've had 800 scores with a 2 year AAOA in the past with FICO 8 (never ever with prior models to my knowledge, was a lot harder to hit 800 there).  I don't know what their oldest account was at the time though.

Clean file, optimized utilization, reindeer games with the shared secured loan, it won't be AAOA which kicks you out.  Sit on your hands, don't open anything new or take any inquiries this year, don't see why not.  You reached the 760 line on time, around a year ago I was pontificating that one could reach 800 after 2 years starting from a clean file and haven't seen anything in that time to disprove that, so go for it .

Arcane: 1 CC was too few for maximum scoring, will be interesting to compare your result on 1 card with SubE's on 3 cards (if I were doing it I'd probably do 4 cards but 3 should be almost perfect).