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re: How to get FICO to 800?
Posted on 11/14/17 at 9:30 pm to iAmBatman
Posted on 11/14/17 at 9:30 pm to iAmBatman
quote:
Why? 770 or 800, you’re going to get the same interest rates and perks of a great score.
My score hovers around 840 and I've found this to not really be the case.
True, when I was at 750 I never had to worry about being denied for a new credit line. But at 840 I can pick up the phone and borrow much larger sums. Also, lenders aren't charging me for credit risk, they're charging vendors for doing business with me and ship me a rebate for the privilege.
Automatic upgrades to first class if there's a seat available? Yup. I get to skip the security lines too, for free. Put another way - at 750 nobody denied me a loan. At 840 major banks are stumbling over themselves trying to lend me money and are willing to give me some perks to do so.
To answer the OP though, time and multiple credit lines (revolving vs. installment) help.
Posted on 11/14/17 at 9:39 pm to foshizzle
Thanks foshizzle.
Right now the only knock I have is time. Average length is around 6 years.
I’m only 31 so I guess I just need to be patient.
Right now the only knock I have is time. Average length is around 6 years.
I’m only 31 so I guess I just need to be patient.
Posted on 11/16/17 at 2:32 am to foshizzle
quote:
foshizzle
If you don't mind my asking, one attribute that might be hard for me to hit "ideal" is number of accounts.
So out of curiosity, how many active lines of credit do you have across the board?
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