FICO Scoring Buckets (or "Scorecards")

[haulingthescoreup]

I'm not convinced that anyone ever does get above the mid-830's. 850 might be the pre-1953 Mount Everest of credit scores. Technically doable, but until I see someone post a screen print of a myFICO score display, I'm not yet a believer.

[smallfry]

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@haulingthescoreup wrote:
I'm not convinced that anyone ever does get above the mid-830's. 850 might be the pre-1953 Mount Everest of credit scores. Technically doable, but until I see someone post a screen print of a myFICO score display, I'm not yet a believer.

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Comic Insult Dog posted one over at CB last year.

[haulingthescoreup]

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@smallfry wrote:

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@haulingthescoreup wrote:
I'm not convinced that anyone ever does get above the mid-830's. 850 might be the pre-1953 Mount Everest of credit scores. Technically doable, but until I see someone post a screen print of a myFICO score display, I'm not yet a believer.

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Comic Insult Dog posted one over at CB last year.

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Oh, well then, when it comes from an authoritative source like that....

(and for anyone getting ready to ask, no, we can't post a link to CB , even for Triumph the Insult Dog, if that's the same dog)

[smallfry]

I know you have to take everything on the net with a grain of salt but...

[marty56]

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haulingthescoreup wrote:
I'm not convinced that anyone ever does get above the mid-830's. 850 might be the pre-1953 Mount Everest of credit scores. Technically doable, but until I see someone post a screen print of a myFICO score display, I'm not yet a believer.

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IMHO even if you could, you probably couldnt keep the score at 850 very long.  It would be constant struggle to keep the score that high and it would limit your use of credit so much you might as well have a 350.

Kinda like James Cagney and his "Mom, I'm on the top of the World" speech.

Message Edited by marty56 on 08-25-2008 05:56 PM

[jbh]

I read that there is really no such thing as an 850 score. This was a quote from a spokesperson who worked at Fair Issac. The idea was that it stretched to 850 for 'extra room' in case they need to modify the algorithm, they would have an ability to let the score grow with new variables/etc.

Imagine a new method of measuring takes place and one in the 830's is rewarded over time for fitting this new bucket.

I found that interesting.

[athensguy]

I'd say it's difficult or even impossible to get an 850.

Message Edited by athensguy on 08-25-2008 08:55 PM

[Anonymous]

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@jbh wrote:
I read that there is really no such thing as an 850 score. This was a quote from a spokesperson who worked at Fair Issac.

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That would be cruel. I'd be playing a game with no possible ending.

[smallfry]

pizza if you could beat the game you'd have to get another hobby.

[athensguy]

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@Anonymous wrote:

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jbh wrote: I read that there is really no such thing as an 850 score. This was a quote from a spokesperson who worked at Fair Issac.

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That would be cruel. I'd be playing a game with no possible ending.

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Au Contraire, it will be over you just won't realize it