Finally Made 850 on Score on All Three!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Wow super duper congtats.   The highest I ever got was 834 now down to 804.   I right now DW and mine biz slowed down so we are leaving balances on 0% or 1.99% cards.   Cash is more important than score.   I don't know if I can get to 850 I was shocked at 834 and think in a few months will get back there

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Hmm ... @Anonymous time to practice 'Gardening' as it get's lonely here at the top

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@Anonymous  It has been so long since DW or I apped that I could not  recall how to fill out an app if I wanted to.  I think those keys on the computer have spyder webs on them from none use.   I think TU and Eq still report my AA as 21 years something thanks to an ancient card.  

[Anonymous]

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@Auricom wrote:

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• Lack of recent installment loan information
• Length of time revolving accounts have been established
• Length of time accounts have been established
• Time since most recent account opening is too short

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Interesting the order of those reason statements, as the 1st and 4th can be good for (say) 25-30 and 15-20 points, respectively.  The 2nd and 3rd though on many profiles (like mine) are perhaps only worth a couple of points.  That 4th reason statement will likely drop off on most models (like Fico 8) when you reach 12 months AoYA, but it may still remain on some others like TU Fico 4, for example, but will only be impacting those scores a few points at that time.