Youngest age where 850 has been achieved?

[Anonymous]

Octopus, thanks for the reply.  If your inquirie weren't coded correctly (auto) they could have dropped your score more, but you would then expect the score drop to only be with that one bureau that took all the inquiries.  Your 45-55 point is a mystery to me if it was across all 3 of your scores.

[Anonymous]

As a data point, my GF is 32 and has a 846.  She has student loans in her name beginning when she was 18, an Amex opened when she was in college, CSR with a $34K limit opened about two years ago (give or take), and a handful of store cards.  We also have a $28K car loan paid down to $18K that is 15 months old.

[Thomas_Thumb]

@NKB246

Is the loan joint? If so ... You could take extreme measures and pay the loan down to $2500 (don't pay it off) and see if her score reaches 850 - just kidding, don't do that.

However, you could have her try the AZEO technique with her cards to see if she can squeeze out a few points. Note: any new accounts under 12 months age will likely keep her score under 850 - so if she wants to try getting to 850 near term, don't open any new accounts. The car loan turning 2 years old might help as well

BTW - It looks like her AoOA is 14 years. What is her AAoA?

Also what is her aggregate B/L ratio on her student loans only and then with the car loan in the mix?

[Anonymous]

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@AnonymousAs a data point, my GF is 32 and has a 846.  She has student loans in her name beginning when she was 18, an Amex opened when she was in college, CSR with a $34K limit opened about two years ago (give or take), and a handful of store cards.  We also have a $28K car loan paid down to $18K that is 15 months old.

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How do her age of accounts factors look?  What about inquiries within the last 12 months?  Finally, how about revolving utilization (is she at AZEO?)

[Anonymous]

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@Thomas_ThumbNote: any new accounts under 12 months age will likely keep her score under 850 - so if she wants to try getting to 850 near term, don't open any new accounts.

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TT, while this may have been commonly believed, I've seen at least 3 data points recently showing that an 850 is possible with AoYA of under 12 months.  Certainly 850 with > 12 months AoYA is far more common, but I just wanted to point out that it isn't out of the question with an AoYA below 12 months.  Now, I'm not sure how that other profile factors for those with < 12 months AoYA and 850 scores looked, so whether or not the person above that referenced the 846 score is a candidate for an 850 score with < 12 months AoYA I am not sure.

[Thomas_Thumb]

BBS, It's well known that 850 scores are possible with accounts under 12 months age. I've pasted links to threads on that multiple times.

Nonetheless, it is also well known that recent accounts under 12 months age leave points on the table and I doubt the OP's GFs file is strong enough to reach 850 with a new account under 12 months age. Thus, my statement.

[Anonymous]

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@Thomas_Thumb

Nonetheless, it is also well known that recent accounts under 12 months age leave points on the table and I doubt the OP's GFs file is strong enough to reach 850 with a new account under 12 months age. Thus, my statement.

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The data provided is extremely limited, outside of her having an AoOA of ~14 years.  Is that all you're basing your statement on, or is there more that I'm not seeing?

[Anonymous]

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@Anonymous wrote:

Octopus, thanks for the reply.  If your inquirie weren't coded correctly (auto) they could have dropped your score more, but you would then expect the score drop to only be with that one bureau that took all the inquiries.  Your 45-55 point is a mystery to me if it was across all 3 of your scores.

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The score drop was on EX and TU, I don't remember checking EQ. I pulled my EX report and saw the 7 inquiries, not sure if they also pulled TU. I remember the drop on TU was around 25-30 points but not much more than that. But during that period I never hit 850 on TU, so the drop was coming down from the 840's on TU instead of 850. It seems that it was in line with having a new account reporting, drop in AAoA, and rise of amounts owed. 

[Anonymous]

Wasn't planning on replying but saw several speculations so figured I'd provide a hard data point. Turned 36 3 weeks ago, latest FICO 8 is 850. No confetti dropped from above. Bummer.

[Anonymous]

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@Anonymous wrote:
Wasn't planning on replying but saw several speculations so figured I'd provide a hard data point. Turned 36 3 weeks ago, latest FICO 8 is 850. No confetti dropped from above. Bummer.

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Nice!  Which Fico 8 score was it?  Can you provide some profile data surrounding that score... perhaps your age of accounts factors, inquiries present, presence of an open installment loan and if so what type/utilization it was at, etc?

Also, if you were tracking your scores relatively closely and saw your score before it reached 850 (say it was 847 prior for example) are you able to see what changed on your CR that may have caused the uptick to 850?  This may have happened due to an age of accounts increase, for example.