Been at 801-810 for a decade. No inquiries, no delinquent, 80,000 credit line. Paid every loan off early. Never carry a balance. Paid home mortgage off early.

What the hell is perfect credit? Does anyone have it?

nm

i peaked at 846 two years ago... and have no idea why

currently right around 800...and still have no idea why

from my understanding... everything north of 750 does everything that you need, so not a big deal

Aggiemike96 said:

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IrishTxAggie said:

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94chem said:

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Perfect credit score? Seems about as useful as likes on Facebook.

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Or a star on TexAgs!

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I blue starred you.

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Why didn't you blue star me?

I peaked at 814. It has dropped into the 700s recently. I just try to keep it above 760.

Had 820-825 for years ... now I hover between 780-800.


I take out loans at the rate of 1-2 per year and pay them back in 1-3 years. Two lines of credit. No car notes. And a TON of medical bills I usually dont know about until I get a collector call.

dlp3719 said:

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I worked in a bank credit group and probably saw over 10000 credit scores. Never saw an 850. A few in the 840s. Over 800 was rare really.

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Wow, that interesting to know.

hypeiv said:

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You need a history with over 20 accounts with a mix of credit cards, car loans and mortgages with an average age of 9+ years to get in the 840s. If you only have a few credit cards you will never get there.

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I bounce between 840-850 with 4 CC (and only ever use 2).

Per Discover, I hit 850 a few months back. I have a couple of personal loans and a mortgage. Credit card capacity is high and paid off monthly. No late payments for at least 7 years.

Paid our 30 year mortgage off in 12.7 years.

Minimal credit card debt, but pay each card off each month.

Two car loans where I'm paying them off quicker than required.

Going through steps right now to retire at end of Feb.

Score rating is 830.

94chem said:

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I keep reading this thread because I'm fascinated by the mentality of actually caring. It just seems like getting pinky toe augmentation.

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its just another metric for people obsessed with metrics (like myself, the engineer)
also:

https://www.valuepenguin.com/average-credit-score

BlackGoldAg2011 said:

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94chem said:

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I keep reading this thread because I'm fascinated by the mentality of actually caring. It just seems like getting pinky toe augmentation.

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its just another metric for people obsessed with metrics (like myself, the engineer)
also:

https://www.valuepenguin.com/average-credit-score

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So the idiots all die off while the remaining people get smarter?

Gonna guess that's more length of credit history issue bringing people score up over time?

I just hit 850 late last month on my FICO when I just looked it up via AMEX. I had been hovering around 790-810 forever then in November and December I paid off a couple of balances I had been carrying that reduced my credit utilization from about 15% down to under 1%. I think having a good mix of cards, using all of them occasionally and a long credit history help. I've had my AMEX for 25 years.

New World Ag said:

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I just hit 850 late last month on my FICO when I just looked it up via AMEX. I had been hovering around 790-810 forever then in November and December I paid off a couple of balances I had been carrying that reduced my credit utilization from about 15% down to under 1%. I think having a good mix of cards, using all of them occasionally and a long credit history help. I've had my AMEX for 25 years.

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I didn't think AMEX counted as a credit card and as such didn't affect your credit line. I have an AMEX Platinum Business card and it doesn't show up on my credit report.

I check mine on my BofA app. I hit 850 for a month in 2017. I have about 9 open credit cards (actually use 2). 2 paid off mortgages ( from a refinance and home sale.

After getting the 850, I applied for a new CC for a $500 bonus. It fell the next month to 835. I got back up to 848 this month.

My CC utilization % is low. I think the biggest thing that helps me is length of history.

Just checked my Chase app. Their CreditScore powered by TransUnion says that I have an 822 score.

CreditWise by CapitalOne also says 822.

My Discover says 848, but it also says that the info is from TransUnion.

My AMEX app also says 822, but gets its info from Experian.

Weird.

DallasAggie97 said:

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I check mine on my BofA app. I hit 850 for a month in 2017. I have about 9 open credit cards (actually use 2). 2 paid off mortgages ( from a refinance and home sale.

After getting the 850, I applied for a new CC for a $500 bonus. It fell the next month to 835. I got back up to 848 this month.

My CC utilization % is low. I think the biggest thing that helps me is length of history.

Just checked my Chase app. Their CreditScore powered by TransUnion says that I have an 822 score.

CreditWise by CapitalOne also says 822.

My Discover says 848, but it also says that the info is from TransUnion.

My AMEX app also says 822, but gets its info from Experian.

Weird.

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well... there are 3 credit bureaus... and they each have their own way of calculating credit

one of them actually ranks up to 900... so having in excess of 850 is not a big deal for that one

pick one and stick with it to measure your rating over time.

hypeiv said:

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94chem said:

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I keep reading this thread because I'm fascinated by the mentality of actually caring. It just seems like getting pinky toe augmentation.

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It's just a game to geek out over. I hope to hit 850 one day but it won't happen anytime soon because I am churning credit cards and so that kills my average age of account metric. Eventually I'll slow down and when those accounts age I'll likely get close.

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I churn cards and it hasn't affected my score. I have stayed at 825 while churning.

Do you close old cards? Did it affect your score?