No one knows: How to get your score over 800

[haulingthescoreup]

tick... tick... tick... Mine's all about getting the lates off, either by GW or by waiting 'em out.

creditwhat, that is very impressive to have pulled off in 15 years or so! I guess you must have paid your bills on time.

[Anonymous]

Is it possible for younger people age 26 to score an 800?  It seems like the secret is to have credit accounts golder than 19

[MidnightVoice]

I think MOST scores of 800 and above will be for older people - as in probably over 35. Not all, but most. probably.

[haulingthescoreup]

By gum, there's SOMETHING reserved for us besides denture adhesives and hemorrhoid cream!

[Anonymous]

The MOST important thing to do or not to do is:  (1).DON'T DIE.

 (2). Never be late, I use all auto electronic,Debits / Deposits, By authorizing my credit cards/and everyone else via cerified mail return reciept to debit my checking account in full and I keep overdraft in place as a 100% fool proof safety net.I do NOT purposely use overdraft.I do NOT authorize my bank checking account to pay. I do NOT use bill pay.I do NOT use the U.S. Mail to pay. I keep the $ free, 3 month fraud alert current...... 100% AUTO PILOT and Zero liability for me! The liability is on them!! READ THE SMALL PRINT IN YOUR AGREEMENTS.

  (3). Proper Utliz.

  (4). Proper Mix.

   (5). Clean public records

   (6). #5,4,3,2, and 1 TIME!                  

    =   830 FICO SCORE

   Note: You only need to use certified mail once at intial authorization or if changing checking/banking/routing account numbers.

   Note: When I stated above, "I do NOT authorize my bank checking acount to pay" Means, I do NOT authorize my bank checking account to >initiate payment<,  Rather, I authorize ALL my creditors TO >initiate a debit< FROM  my checking account.

 This is done for liability reasons. READ THE SMALL PRINT IN YOUR AGREEMENTS.

   End.

Message Edited by AllTheNationsWillMournUSA on 11-04-2007 03:17 PM

[fused]

For those of you in the 800+ club, how many open accounts do you have? How many of these open accounts have balances? How many are revolving and how many are installments? Do you have a mortgage TL and is it opened or closed? Finally, how many closed accounts do you have reporting in good standing?

[MidnightVoice]

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fused wrote:

For those of you in the 800+ club, how many open accounts do you have? How many of these open accounts have balances? How many are revolving and how many are installments? Do you have a mortgage TL and is it opened or closed? Finally, how many closed accounts do you have reporting in good standing?

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7,5,5,2,y,1 open, one closed and one Heloc open,15.

This and no baddies leads to scores around 790 to 810

Message Edited by MidnightVoice on 11-04-2007 03:04 PM

[Dawn]

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fused wrote:

For those of you in the 800+ club, how many open accounts do you have? How many of these open accounts have balances? How many are revolving and how many are installments? Do you have a mortgage TL and is it opened or closed? Finally, how many closed accounts do you have reporting in good standing?

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9 open (2 are dups)

4 balances (Mtg / Auto / Install / Revolving)

2 mortgages (1 open / 1 closed)

3 closed accounts / good standing

[Anonymous]

5 - open, this figure includes overdraft with no balance on the overdraft.

4 - have balances, 3 cc's and 1 car loan

3 - Revolving are credit cards,but one of  theres credit cards are reported as  installments even tho it is a revolving credit card account because the limit is in the stratusfear so ....

2 - revolving credit cards

1 - revolving overdraft

1 - installment, high limit credit card

1 - installment, car loan

2 - closed. morg. Both paid off in my 20's.

10-closed accounts in good standing

      Note: You do not need a hight limit cc to be able to hit 830 FICO ,I had 830 

                  before I raised the limit. The score droped for awhile from the hard

                  hit for the limit increase,but rebounded shortly after. 

Message Edited by AllTheNationsWillMournUSA on 11-04-2007 03:24 PM

[Anonymous]

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fused wrote:

For those of you in the 800+ club, how many open accounts do you have? How many of these open accounts have balances? How many are revolving and how many are installments? Do you have a mortgage TL and is it opened or closed? Finally, how many closed accounts do you have reporting in good standing?

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9 open accounts

2 balances--both are on revolving credit; but one is on a high credit limit card, and is viewed by
                    TU and EX as installment.

no mortgage

20 closed accounts--all in good standing