Turned 20 and over 800 credit score without AU !!!!

[Subexistence]

It's official that I have hit above an 800 FICO score at age 20 without any AU assistance.

My FICO scores are now EX 795, TU 787, EQ 807. 

2 years ago in October, I was an 18 year old who had no credit score and got my first credit card with no corresponding FICO score. During those 2 years, I followed this forum's advice ranging from AZEO to SSL to up my score. During my first year, I did an app spree acquiring my Discover card, Secu Card, Secu LOC, Amex Card, BoA Card, Barclays Card, and Paypal card. After my first year, I decided to garden for a year with the goal of getting above an 800 credit score by the month I'm 20. 1 year of patience(aka gardening) has finally paid off!

Thank you to those who followed me and supported me in my previous threads.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Can-I-get-an-800-credit-score-before-my-...

https://ficoforums.myfico.com/t5/General-Credit-Topics/1-year-anniversary/m-p/5116038#M253106

Anyways, I have acquired my scores from CreditCheckTotal and am willing to take questions on how my score report looks although the links I have put above demonstrate my history pretty well. Also do you guys think it's worth buying an expensive 3B report from myFICO to mark this benchmark

[Thomas_Thumb]

Nice work!

I suspect you could reach Fico 8 850 at age 30 (minimum AAoA 90 months and AoOA 12 years - IMO). Unfortunately (or not) Fico 8 will be long obsolete by then . Onward and upward.

[HeavenOhio]

I congratulated you in the other thread, so congrats again!

It'd be a huge financial step for you, but I think it might be worth it to grab your scores from myFICO. If I remember correctly, you still might have an account that isn't quite a year old. If so, I'd wait until then.

[Thomas_Thumb]

Aging, other than inquiries, should transition based on the 1st of the month. OP's youngest has crossed to 12 months.

OP - please do pull a 3B report. Very interested in seeing the full list of Fico scores - particularly the mortgage Ficos.

[Anonymous]

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@Thomas_Thumb

I suspect you could reach Fico 8 850 at age 30 (minimum AAoA 90 months and AoOA 12 years - IMO). Unfortunately (or not) Fico 8 will be long obsolete by then . Onward and upward.

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To my knowledge, no one at Age 30 on this forum has reported an 850 score yet.  I remember us talking about this in another thread maybe 6 months back and I'm not sure anyone even reported an 850 by Age 35.  I believe most of the data points came in at a point in the late 30's.  I know on paper it may appear possible by Age 30 for someone like the OP... but on paper and reality are different more often than not.  I would be curious again to hear from anyone that hit an 850 at an age say mid-30's or younger.

[Thomas_Thumb]

I suspect no one at age 30 was looking at methods for optimizing Fico 8 score 10 to 12 years ago. Areas where they likely fall short are installment loan history (open only and open + closed),  AAoA and age of recent account openings. Recommend AoYA be 24 months or greater to offset other potential weaknesses  The OP has enough time left to satisfy these attributes.

Ideally profile would be to take out a 15 year mortgage and have 10 years positive payment history by age 30 and the mortgage B/L under under 29%. Given that's not in scope for the OP,  I'd suggest a 6 year auto loan taken at age 25 showing five years ontime payment history. Probably best to have loan B/L under 9%. Likely no other additional accounts needed although a new SSL opened at age 27 might be a good idea.

Of course this is hypothetical.

A mortgage B/L @ 29% threshold is a guess but, my Classic EX Fico 98 score reached an all time high on my 3B report from 4/2018. Mortgage B/L was 22% down from 31% on the prior 3B report from 3/2017.  EX Fico 98 score increased but all metrics (# cards reporting & card UT%) were better optimized on 3/2017 report except for B/L ratio. Speculative hypothesis, a potential mortgage B/L break point in the 30% ot 25% range - at least for "mortgage" Fico 98.

[side note: "mortgage" Fico EQ and TU scores were lower  on 4/2018 report due to: new HP on each CRA and greater sensitivity of EQ/TU to the increase in # accounts with balances].

[GFer]

Me too, BBS!

[Anonymous]

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@Thomas_Thumb

I suspect no one at age 30 was looking at methods for optimizing Fico 8 score 10 to 12 years ago.

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I personally don't believe they would have to.  The biggest constraint to hitting 850 that can't be easily overcome has to do with AoOA and AAoA most of the time.  So long as someone starts out their credit history at a very young age and does so with a bunch of accounts, the clock is started on those factors early that can't be sped up 10 years later when trying to optimize other things (SSL, AZEO, etc). 

Most people IMO that are struggling to grab an 850 at almost any age will 9 times out of 10 reference something related to their age of accounts factors as holding them back. 

[Subexistence]

I am interested in buying the 3B product but does anyone know if I can get something cheaper than this $30 deal?

https://www.myfico.com/products/ultimate-three-bureau-credit-report/

I haven't seen any others with above 800 FICO at age 20 although Poppa got that score at AoOA = 2 but he implied he wasn't 20. If I hadn't done this experiment, I probably would not have known that this was possible due to rarity of datapoints supporting the possibility. I am trying to make the point that just because most people don't have 800 scores at age 20 doesn't mean it's not possible in theory. All that is needed is for someone to test it out under specific circumstances.

I'd also be interested in hearing some of your theories about AoOA minimum for 850 credit score. It's an interesting idea to try to test out. However testing if I can get 850 credit score by age 30 has many issues like FICO08 being obsolete, or expecting this forum and all you members to be here in 10 years, as well as getting an installment loan that I need that coincidentally would be paid off according to the criteria TT lists out. 

In any case, next month, I was planning to get a new CC like Ubercard after 1 year of gardening. I wanted to ask you guys to make sure you donn't need any more data from me for next month before I apply.

[Subexistence]

Aggregate Utilization 1 % across all bureaus.

EQ: 5 open cards, 2 closed cards, and 2 other loans. Only 1 card reporting balance greater than 0.

EX: 6 open cards, 2 closed cards, and 1 installment loan. 2 cards reporting balance greater than 0.

TU:6 open cards, 2 closed cards, and 1 installment loan. Only 1 card reporting balance greater than 0.

Scoring Model	Experian	TransUnion	Equifax
Fico Classic 09	807	795	827
Fico Auto 09	820	798	842
Fico Bankcard 09	815	805	838
Fico Classic 08	795	787	807
Fico Auto 08	803	807	808
Fico Bankcard 08	831	815	819
Fico Classic 04	751	746	744
Fico Auto 04		764	751
Fico Bankcard 04		781	760
Fico Classic 98	751
Fico Auto 98	761
Fico Bankcard 98	767
Vantage 3.0	758	761	763