Fico with derogs, Will it ever go above 689????

[Anonymous]

I take it, as long as you even have just one derog left on your report, you will hit a ceiling of 689-ish?

I have a couple derogs left just waiting to fall off next year. Despite the occasional CLI and always keeping util around 12%, My scores stay in the range of 683-689, but never hit 690 or above.

Boo hoo! I just want to join the 700 club someday.

[haulingthescoreup]

Heavens, no.

I have a 90-day (major derog) from March 07, most recent 30-day from March 08, and a scattering of other 30's on two other accounts. Scores are as below. I do beat myself senseless keeping util down and only one CC reporting, but yes, it's doable.

[Anonymous]

I have not been late on anything in 6 years. The majority of my current accounts are 2 years old though. On one report I have a CA and CO, it never breaks 690. I did just recently open 4 accounts though, maybe thats why.

[marty56]

I have a 120 day late that is 3+ years old.  I have only 1% reported CC util, a mortgage a car loan.  My credit history is 28+ years.  I dont apply for credit very often

If you get your util down and your derogs age a bit, you will see improvement.