Cracked 800 on TU w/ only revolving accounts

[uncredited]

Kind of a shock to me to see but I just noticed that after my scorecard likely changed from new, then my second oldest card hit 2 years, I got 2 bumps, then I zeroed my Chase card that's normally reporting for AZEO since I may app next month.... But with all the little score bumps I just realized my TU is 803!  It won't last long, and eq is 793 and ex 782, but I still thought I would never see an 800 with no loan, only 4 revolvers 3 years oldest  on file so it's a brief but exciting moment!

( Figured @Kforce might like seeing that)

[FicoMike0]

Congratulations!

I'd love to see an 800.  

[Aeon]

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@uncredited wrote:

Kind of a shock to me to see but I just noticed that after my scorecard likely changed from new, then my second oldest card hit 2 years, I got 2 bumps, then I zeroed my Chase card that's normally reporting for AZEO since I may app next month.... But with all the little score bumps I just realized my TU is 803!  It won't last long, and eq is 793 and ex 782, but I still thought I would never see an 800 with no loan, only 4 revolvers 3 years oldest  on file so it's a brief but exciting moment!

( Figured @Kforce might like seeing that)

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I have only 2 revolvers and no loans on my credit reports, though my AAoA is over 5 years. All my Fico 8s have been 800+ since my lone inquiry became unscorable and my youngest account aged to one year. Utilization has always been 1-3%. I let both cards report balances each month and haven't tested if AZEO impacts my thin file. You certainly don't have to have 3+ revolvers and a loan in order to have 800+ scores. 

[Kforce]

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@uncredited wrote:

Kind of a shock to me to see but I just noticed that after my scorecard likely changed from new, then my second oldest card hit 2 years, I got 2 bumps, then I zeroed my Chase card that's normally reporting for AZEO since I may app next month.... But with all the little score bumps I just realized my TU is 803!  It won't last long, and eq is 793 and ex 782, but I still thought I would never see an 800 with no loan, only 4 revolvers 3 years oldest  on file so it's a brief but exciting moment!

( Figured @Kforce might like seeing that)

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Another 3 years and you could be at 830's + with no loans.

Maybe time to go for that Webstaurant card instead.       

[pizzadude]

You can have a nearly perfect FICO score without an active / open installment loan, it's not required if the other factors on your report are all in great shape.

[Thomas_Thumb]

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@Aeon wrote:

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I have only 2 revolvers and no loans on my credit reports, though my AAoA is over 5 years. All my Fico 8s have been 800+ since my lone inquiry became unscorable and my youngest account aged to one year. Utilization has always been 1-3%. I let both cards report balances each month and haven't tested if AZEO impacts my thin file. You certainly don't have to have 3+ revolvers and a loan in order to have 800+ scores.

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Absolutely correct. My daughter has only 2 credit cards and no loans open or closed. Her Fico 8 scores reached 800 after AoOA reached 5 years with AAoA and AoYA also at 5 years ( both cards issued within 2 months of each other).

Her scores now fluctuate between 785 and 815 depending on # cards with balance and utilization. She often makes multiple payments during a month but does not practice AZE1 or manage reported utilization as long as under 30%.

[uncredited]

@Kforce  Haha, yeah, the 803 is pretty and all, but I'd probably rather trade it for money.  Just a few weeks maybe.

Won't be a while until I see the 800s again if at all but it was nice to see it once!

[Thomas_Thumb]

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@pizzadude wrote:

You can have a nearly perfect FICO score without an active / open installment loan, it's not required if the other factors on your report are all in great shape.

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^ True. 

A score of 850 on Classic Fico 8 and Classic Fico 9 is achievable without an active/open loan on file.  I occasionally score Classic  EX Fico 8 and EX Fico 9 850s with only a single closed loan on file. However, it is easier to get to 850 with an open loan.

[CorpCrMgr1]

Congratulations on your milestone score!!

[Kforce]

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@Thomas_Thumb wrote:

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Absolutely correct. My daughter has only 2 credit cards and no loans open or closed. Her Fico 8 scores reached 800 after AoOA reached 5 years with AAoA and AoYA also at 5 years ( both cards issued within 2 months of each other).

Her scores now fluctuate between 785 and 815 depending on # cards with balance and utilization. She often makes multiple payments during a month but does not practice AZE1 or manage reported utilization as long as under 30%.

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Another data point.

My daughter, (Average  4y-11m),  (Youngest  0y-11m), (Oldest 10y-0m)

4 cards / no loan = 830's 

.also as your daughter.

Multiple payments during a month but does not practice Azeo or Aze1