How long does it take to get into the 800s club?

[MudkipsRKooL]

How long does it take to get into the 800s club? One of my score (TU) was in the 800, while my other scores were in 730-760s. How long does a clean account take to get from 750 to 800 on average? 

I've been gardening for 4 months now, do you guys think I should get more credit? I heard you need 21 credit cards and 9 year history with them to get a prefect score of 850. My friend with 2 credit cards and 10 year credit history, his score stop rising at 822, so I'm just wondering what it will take. He's currently sitting at 802 due to credit fraud (he got skimmed).

[AllZero]

Your post is quite not clear. Is your goal 800 score or more cards?

Clarity will provide proper feedback.

If 800 scores, stop all credit seeking behavior.

[Anonymous]

Only data I've seen is about 2 years to go from no credit to 790-800s 

That's with AZEO and SSL/Loan paid down, and gardening after

3 revolvers and 1 loan is the minimum for scoring, anything more won't give you more points

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Turned-20-and-over-800-credit-score-with... 

If you have some no balance/aged AUs you can piggyback on, that can help a lot

Keep in mind gardening pays off the most at the 12 month mark from last new account and inquiries; 4 months from your last account or inquiry won't do much

[AllZero]

I would recommend reading the below from Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20

[MudkipsRKooL]

Thanks Dumbee, my score was at it's highest when I did have 3 cards. Magically was considered "thick" file right after. I should have just stopped. I just didn't want to be bucket'ed at low 800s because I only had 1-2 cards like my friend. He's currently stuck at 822 with 2 cards and 10 year history. I told him to app for 1 or more cards, but that'll drop his score down.

[Anonymous]

Well, the high score is meant to get you credit, not just sit pretty... unless you like watching it just sit

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@MudkipsRKooL wrote:

Thanks Dumbee, my score was at it's highest when I did have 3 cards. Magically was considered "thick" file right after. I should have just stopped. I just didn't want to be bucket'ed at low 800s because I only had 1-2 cards like my friend. He's currently stuck at 822 with 2 cards and 10 year history. I told him to app for 1 or more cards, but that'll drop his score down.

[Anonymous]

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@MudkipsRKooL wrote:

How long does it take to get into the 800s club? One of my score (TU) was in the 800, while my other scores were in 730-760s. How long does a clean account take to get from 750 to 800 on average? 

I've been gardening for 4 months now, do you guys think I should get more credit? I heard you need 21 credit cards and 9 year history with them to get a prefect score of 850. My friend with 2 credit cards and 10 year credit history, his score stop rising at 822, so I'm just wondering what it will take. He's currently sitting at 802 due to credit fraud (he got skimmed).

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Quit reading Credit Karma's recommendations.  They get paid to refer you.  Naturally if it was my business model, I would tell you that you must have 50 accounts for excellent credit because hey why not?  That is more money for me.  For convenience, here is a nice link so you can click and apply for your next 48 cards.

[SouthJamaica]

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@MudkipsRKooL wrote:

How long does it take to get into the 800s club? One of my score (TU) was in the 800, while my other scores were in 730-760s. How long does a clean account take to get from 750 to 800 on average? 

I've been gardening for 4 months now, do you guys think I should get more credit? I heard you need 21 credit cards and 9 year history with them to get a prefect score of 850. My friend with 2 credit cards and 10 year credit history, his score stop rising at 822, so I'm just wondering what it will take. He's currently sitting at 802 due to credit fraud (he got skimmed).

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No you shouldn't apply for anything new.

You have enough cards to get a perfect score. 

If you want to maximize your revolving utilization for scoring purposes, let 4 of the cards report a zero balance, while the other reports a small balance, and keep your aggregate reported utilization under 6%.

[Anonymous]

OP, it really depends on your profile.  Someone with a thick/aged file will have a much quicker shot at hitting 850 (or 800+) than someone else with a thin/young file... assuming both are clean of course.  I've found that these are usually the constraints to top tier scores when you're talking someone that has a utilization optimized file that's clean.