Don't know, I'd love to have a no file to experiment on:
3 secured cards and 2 secured installment loans right off the bat, and then just let the clock run without any more tradelines and presumed no derogatories and just map out the score over time.
I don't know on the 3 year mark, I haven't seen many people report much data past 2 years if they were a new file, but presumably there are some out there and it's undoubtedly easier under FICO 08 than it was under FICO 04 or earlier.
Just checked all my reports.
My first EQ on 10/25/2010 was 711, and had some 90 day lates. All the lates went back to 2004-2006.
Then the first time I hit 800 (806 to be exact) was on 6/4/11. So it took 8 months to go from 711 to 806.
But, I had no derogs on my 6/4/11 report since all lates were gone.
My first report with TU was also on 10/25/10 and was 725. It had pretty much the same info. as EQ, except for one of lates, it showed
"Payment after Charge off/Collection". This wasn't correct though and I remember trying to clean it up with Cap 1 and TU.
On 7/31/11 I hit 801 for the first time with TU. Same as with EQ, no derogs, all my lates were gone.
So there you go.
Starting Score: 600s
@A_Noob wrote:
@Dw4250 wrote:
@ficonightmare wrote:My scores vary from 765-814 depending on what my report shows at any given time. Too many balances, my score drops, too high utility, it drops again. Open a new card, my AAoA changes plus the HP and again I lose points.
So very few people always manage to maintain a score of 800 and above. It's nearly impossible.
Plus like others have said, what's the point? If you're looking to get a loan, the best rate doesn't require 800, not even close..
+1
Rule of thumb is 720+ will qualify you for best rates on almost everything; 750+ will give you the best rates for mortgage, auto, LOC, credit cards, etc. To be safe and allow a little cushion, try to aim for a 750-760 score.
Anything beyond that is just showing off...lol! People who have an 830+ score owe as much to statistical noise/random variation as to great performance on their credit reports. Don't get me wrong...I would gladly take an 830 score! But in terms of getting best terms from lenders, 750=830
I think you've just given me a new goal score of 750-760! I'm a new file at 9 months old and I'm up at 737.
Out of curiosity, what scoring model do you rely on and how many accounts do you have? In any case, I don't think you're very far from your goal 
@HiLine wrote:
@A_Noob wrote:
@Dw4250 wrote:
@ficonightmare wrote:My scores vary from 765-814 depending on what my report shows at any given time. Too many balances, my score drops, too high utility, it drops again. Open a new card, my AAoA changes plus the HP and again I lose points.
So very few people always manage to maintain a score of 800 and above. It's nearly impossible.
Plus like others have said, what's the point? If you're looking to get a loan, the best rate doesn't require 800, not even close..
+1
Rule of thumb is 720+ will qualify you for best rates on almost everything; 750+ will give you the best rates for mortgage, auto, LOC, credit cards, etc. To be safe and allow a little cushion, try to aim for a 750-760 score.
Anything beyond that is just showing off...lol! People who have an 830+ score owe as much to statistical noise/random variation as to great performance on their credit reports. Don't get me wrong...I would gladly take an 830 score! But in terms of getting best terms from lenders, 750=830
I think you've just given me a new goal score of 750-760! I'm a new file at 9 months old and I'm up at 737.
Out of curiosity, what scoring model do you rely on and how many accounts do you have? In any case, I don't think you're very far from your goal
MyFico. I'm going off of the EQ08 score from score watch. I know my bank goes off of 04. My TU is a bit lower because one of my two CCs doesn't report to them. I have no clue what my EX is because I can't buy it outright and I would need a lender to give it to me at the time of an application. I did pull it on here once and it was low 700s but once I found out it was a FAKO I quit relying on it. I would just like to see one of them up there and since a lot of credit card companies seem to use EQ08 I'm perfectly happy with that one being up there.
@Revelate wrote:Don't know, I'd love to have a no file to experiment on:
3 secured cards and 2 secured installment loans right off the bat, and then just let the clock run without any more tradelines and presumed no derogatories and just map out the score over time.
I don't know on the 3 year mark, I haven't seen many people report much data past 2 years if they were a new file, but presumably there are some out there and it's undoubtedly easier under FICO 08 than it was under FICO 04 or earlier.
Let's just say we're not trying to find the absolute minimum, but we're interested in knowing the minimum under normal circumstances. Let's say someone new to credit building, getting a few credit cards and 1 or 2 installment loans in a span of 1-2 years to build credit, and then apply minimally in the next few years. How long does it take this person to achieve 800? So far, 6 years is the crowing champion 
FICO 08 for AU's determine if you are piggybacking or not by how many revolving credit accounts y ou have open in your name only (Individual). If someone has 5 AU's but dont' have any Individual accounts, then that's a red flag. Now if you have an AU account (e.g. AMEX Authorized User) but you have four individual accounts in your name (meaning Primary) then it will take the AU into account also. Hope that helps!
