Fico score over 850?

[Anonymous]

I just recieved my FICO score from the Bank and it is in the 880's.

I've looked all over the internet and some articles say the range is 300-900 others say 300-850 etc.

Is there a difinitive answer?  Is this score real?

Thanks for your help in advance.

Creditnovice.

[Anonymous]

WaMu Credit Cards uses P-FICO scoring (Credit Card Enhanced FICO scoring formula) and it goes up to 900 I believe. Most people that use FICO use Classic mortgage score which is 300-850. Then there is Auto-FICO score which also goes up to 900 I believe.

If it says Credit score does not mean FICO score. If it says FICO score it's probably P-FICO or Auto-FICO. That would be the highest I'd ever seen under Enhanced scoring models. The highest I've seen so far was 850 on the scale to 900.

[llecs]

If I recall correctly, a VantageScore goes to 990 but starts at around 500.

The real FICO score only goes to 850. All others are wanna-be's.

[Anonymous]

Thanks for the info, this score was from BofA and it said FICO.

Maybe I'll break down and pay for the official one off of this site.

Thanks again.

[Anonymous]

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@Anonymous wrote:

Thanks for the info, this score was from BofA and it said FICO.

Maybe I'll break down and pay for the official one off of this site.

Thanks again.

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Wow. That was actually very important info to me. Thought BoA used Classic. This could indicate another CC lender using P-FICO scoring like WaMu. P-FICO and Auto-FICO are real FICO scores made special for specific lending industries. Just not made public other than to WaMu card holders who get this score for free.

You must have some awesome credit to get an 880 industry specific score. I'm trying to reach 850 on Classic and 900 on P-FICO my self. I would guess that your Classic MyFICO score could be 840+.

If you were applying for a car loan it was Auto-FICO and if it was a credit card it was P-FICO, but if you applied for a mortgage which uses "Classic" and got a score over 850, I'd question it. But the other 2 FICO models go higher up to 900 I believe.

Message Edited by ilovepizza on 08-26-2008 05:33 PM

[Anonymous]

Was that score from PrivacyAssist?

If so, at least last I saw, that score isn't even FICO.

[Anonymous]

I was guessing that the OP applied for credit and they told the OP their score. Good point, they could have signed up for a Credit Monitoring Service from the Banks web site. All that is stated is that they had a "stated FICO" score around 880 from the bank. The OP said the score said "FICO". When I apply for credit the loan officer usually tells me my score. It's not impossible to have a industry score over 850? Not easy either. lol.