The Master ''850'' Thread.....

[stroked89coupe]

Go ahead and post up if you have a perfect 850 with one or more CRA's. You deserve it....

 

 

 

 

 

Pics Required

[Android01]

[Tatortodd]

Along with pics I would love specifics of profile. Age, available credit, utilization...

[Android01]

Along with pics I would love specifics of profile. Age, available credit, utilization...

 

Age: 58

Oldest revolving account: 29 years

Average Age of Accounts: 13 Years

Utilization: <1%

Available credit: $325,000 (roughly)

No late payments

No Tax Liens

No Public Records

One Active Mortgage Account

One Active Auto Loan Account

Income: >150,000

Active Credit Accounts: 12

[nolanryan]

Income isn't necessary btw unless you want to show the relationship between your limits

Edited October 28, 2014 by nolanryan

[mendelssohn]

This thread discriminates against FICO 04.

[LBCS]

[Android01]

This thread discriminates against FICO 04.

The last EQ FICO 04 I had was 814, four points away from the maximum Beacon 5 (EQ04) score of 818. Although I've achieved 818 as well.

[BobWang]

818 is even rarer

[chugs102]

I'm going to have to wait another 10 years to get to 850 then.

 

AAOA = 3 yrs

[TrevorHere]

Nice. I'm over 800 on all, but my credit report(s) will need to age significantly to reach 850...

[tammylj]

Inspirational!

 

I almost got to 800 once on TU. 798. And I thought that was awesome. 850 seems incredible to me!

 

My utilization went up because I paid off a high interest loan with 0% BT offers. Good idea for the budget, but destroyed my scores.

 

AAOA is 4.8 years, so I have another 8 years to go. But, then again, I have Amex MSD 1970, so if I can get a couple more of those....

[Konrad2012]

Good idea for the budget, but destroyed my scores.

 

 

Budget is definitely more important...

[tammylj]

 

Good idea for the budget, but destroyed my scores.

 

 

Budget is definitely more important...

 

Oh, definitely.

[BobWang]

But, then again, I have Amex MSD 1970, so if I can get a couple more of those....

 

The BI soon to be know as D*-Crazed She-Devil

[LBCS]

I think the trick is to not look at it for a while.

[tammylj]

 

But, then again, I have Amex MSD 1970, so if I can get a couple more of those....

 

The BI soon to be know as D*-Crazed She-Devil

 

 

I'd get 10 if they would let me! haha

[IndyPoolPlayer]

According to my calculations I'm at 6.4 years AAOA as my oldest accounts that haven't aged off at just now 10 years old. I have several 2005 and 2006 vintage accounts getting ready to hit 10 years - by the end of '16 I'll be at 8.5 years AAOA (assuming I stay gardening....)

[BobWang]

I'd hate to say I'd bet against you,

 

but...

[ManofB]

I remember reading that pursuing 850 would likely come with opportunity costs, were there any to get here? This looks like it could just be an otherwise perfectly clean, well aged profile.

 

Also is 760+ still regarded as the score needed for all prime rates and offers?

[IndyPoolPlayer]

I remember reading that pursuing 850 would likely come with opportunity costs, were there any to get here? This looks like it could just be an otherwise perfectly clean, well aged profile.

 

Also is 760+ still regarded as the score needed for all prime rates and offers?

Depending upon the formula the lender uses as Vantage goes into the 900's.

Going strictly by scoring - yes.

Though I've received declines even though I'm at 800ish (TU08). Lenders are looking at DTI a lot more these days.

[LBCS]

You should get no declines for score related reasons above 760 provided you meet income and other requirements.

[LoLoLo]

Oldest cc is 1.17 years, I'm at 760 according to Barclaycard fico

[TrevorHere]

I think the trick is to not look at it for a while.

Keeping your finger off the application trigger will also help...

[nyrfann]

Damn, I'm so close: