How to Get to 8-5-0

[Anonymous]

This is a silly question, I admit it. 850 is not that big of a deal, and it doesn't make me a better person than anyone else. But after my long and painful journey that started in the low 600's, it would be a treat to touch the top of the mountain, even for a short time. I've made it to the 830's. What will it take to get past those remaining 20-odd points, or is it mostly a matter of serendipity?

I've got 5 revolving accounts with very low utilization and one installment loan.

[Anonymous]

AZEO

Loan paid below 9% utilization 

Avoid new credit (12 month minimum penalty for new accounts and inquiries)

Age credit report

Don't need to do all of those, but they'd each help to quicken the process

[Anonymous]

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@Anonymous wrote:

This is a silly question, I admit it. 850 is not that big of a deal, and it doesn't make me a better person than anyone else. But after my long and painful journey that started in the low 600's, it would be a treat to touch the top of the mountain, even for a short time. I've made it to the 830's. What will it take to get past those remaining 20-odd points, or is it mostly a matter of serendipity?

I've got 5 revolving accounts with very low utilization and one installment loan.

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@Anonymous Well, @Anonymous is correct, that will make it happen more quickly. Age without new accounts/inquiries, paid down loan, maintain low revolving utilization. 

[Anonymous]

You cant actually achieve 850 on all Fico scores.  some of them may advertize the range is 850, but some top out at 835-845

[SouthJamaica]

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@Anonymous wrote:

This is a silly question, I admit it. 850 is not that big of a deal, and it doesn't make me a better person than anyone else. But after my long and painful journey that started in the low 600's, it would be a treat to touch the top of the mountain, even for a short time. I've made it to the 830's. What will it take to get past those remaining 20-odd points, or is it mostly a matter of serendipity?

I've got 5 revolving accounts with very low utilization and one installment loan.

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It doesn't seem like a silly question to me. I can understand wanting to achieve that.

In general, the passage of time plus the avoidance of new credit will eventually get you there, but if you could give us a little more information about your current profile we might be able to help you do it quicker.

[Anonymous]

When you're talking top tier scores like the OP, most often I find that age of accounts factors are what are holding back someone from 850.  That being said, the OP should list out his AoYA, AAoA and AoOA.  If the age of accounts factors are his constraint, discussing other things like AZEO, paying down his installment loan to under 9% etc. really aren't as relevant.  If age of accounts are not his constrant, but all means 850 may be able to be achieved through report massaging.  Rather than speculate, let's start by looking at OPs age of accounts.

[Anonymous]

Thanks to everyone for their advice. It's not that I'm determined to hit 850. I was only wondering if there's something special that puts someone over the top (or should I say 'to the top.') 

It turns out, from your advice, that the same sensible behavior that got me to the 830's can, with time, get me to 850. So I'll just keep on being the responsible person that I (like to imagine I) am, and one day, who knows, I might get there.

BTW: The average age of my accounts is 13 years, 1 month; and my oldest account is 28 years and 5 months old.

[Anonymous]

What about the age of your youngest account?  If that's under 12 months, once it hits 12 months there's a chance you could achieve 850.

[Anonymous]

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@Anonymous wrote:

Thanks to everyone for their advice. It's not that I'm determined to hit 850. I was only wondering if there's something special that puts someone over the top (or should I say 'to the top.') 

It turns out, from your advice, that the same sensible behavior that got me to the 830's can, with time, get me to 850. So I'll just keep on being the responsible person that I (like to imagine I) am, and one day, who knows, I might get there.

BTW: The average age of my accounts is 13 years, 1 month; and my oldest account is 28 years and 5 months old.

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@Anonymous Then time is not your constraint. You can massage your profile and hit 850 most likely.

[NoHardLimits]

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@Anonymous wrote:

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@Anonymous wrote:

Thanks to everyone for their advice. It's not that I'm determined to hit 850. I was only wondering if there's something special that puts someone over the top (or should I say 'to the top.') 

It turns out, from your advice, that the same sensible behavior that got me to the 830's can, with time, get me to 850. So I'll just keep on being the responsible person that I (like to imagine I) am, and one day, who knows, I might get there.

BTW: The average age of my accounts is 13 years, 1 month; and my oldest account is 28 years and 5 months old.

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@Anonymous Then time is not your constraint. You can massage your profile and hit 850 most likely.

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I agree.  I first hit 850 with age stats younger than OP's.  As @Anonymous mentioned, the age of Youngest account is a likely suspect.  Everytime I opened a new account, my score dropped below 850.