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MidnightVoice wrote:From MyFico:FICO High Achievers have credit scores of 760 or above.FICO High Achievers opened their most recent account 27 months ago, on averageAbout 72% of FICO High Achievers did not apply for credit in the past year. Of those that did, about 20% applied for credit just once. (They obviously do not use cell phones )Only about 1% of FICO High Achievers have a 60 days late payment or worse listed on their credit report.Most FICO High Achievers (about 93%), have no missed payments at all. But of those who do have a missed payment, it happened nearly 4 years ago, on average.FICO High Achievers opened their oldest account 19 years ago, on average.Most FICO High Achievers have an average age of accounts between 6 and 12 years.For FICO High Achievers the ratio of revolving balances to credit limits is 7%, on average.FICO High Achievers opened their first revolving account 19 years ago, on average.Virtually no FICO High Achievers have a public record or a collection listed on their credit report.
oneloveforall_2000 wrote:
what's the magic number?
Noah_Bodie wrote:
oneloveforall_2000 wrote:
what's the magic number?739. Don't let anyone tell you otherwise, the magic number is 739.First person to get there wins $3.2 million in cash, a Corvette Z06, and a date with Jennifer Garner.
I thought you didn't believe in credit or credit scores?
bobkelly wrote:Some of us have scores over 800. We're the few that live within our means.
bobkelly wrote:Some of us have scores over 800. We're the few that live within our means.
Glad I am not the only one who noticed
Noah_Bodie wrote:
bobkelly wrote:Some of us have scores over 800. We're the few that live within our means.If you're gonna recite DaveRamseyism, you gotta keep the rhetoric straight. You guys don't care about FICO scores, and Dave will flog you for spending the money to learn your scores.