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+866 I think or around there. Depends on which credit bureau you use though as they all have different metrics that they use to determine credit and have different high scores.
FICO Number
- Thread starter Omeletpants
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A few years ago, my wife had a 902 and I had a 897. Then, life took a shit on me/us. I'm in the 700's now, but there is a Federal judge and Dept. of Labor involved now to hopefully straighten it out.
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My belief was is that 850 was as high as you can go. I guess some auto dealers have scores ranked in the 900's????????
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I’ve never seen a 900. We use TransUnion at work though. Experian/Equifax May go that high tho although I doubt it
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I wish I could remember which of the big three we checked, but I was pretty shocked when
I saw it. My wife had bad credit before we married and I "lectured" her on it and she's was great at paying things off/down.
Oh well, it's gone now.
I saw it. My wife had bad credit before we married and I "lectured" her on it and she's was great at paying things off/down.
Oh well, it's gone now.
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This is what I thought too.
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Lol at 900 credit score. Stop lying. You have to have an absolute pristine record with zero late payments for a looooong time to even have a chance at 850 which is the highest FICO goes.
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Whatever you say grain brain.
https://www.experian.com/blogs/ask-experian/what-is-a-perfect-credit-score/
"But many, many scoring models exist, with different score ranges and measures of perfection that differ with their numerical scales. For instance, the first two versions of the VantageScore model, VantageScore 1.0 and 2.0, use a scale of 501 to 990, so 990 is their perfect ideal.
FICO also offers specialized industry scores, the FICO Auto Score (fine-tuned to predict failure or success at repaying a car loan) and the FICO Bankcard Score (tailored to predict chances of failing to pay credit card bills). Each score is calculated differently, but both share a score range of 250 to 900, so perfection for each is a score of 900."
https://www.credit.com/credit-scores/what-is-a-good-credit-score/
FICO® and VantageScore aren’t the only credit scoring models. They are though the most commonly used models and the models used by the major credit bureaus—Experian, Equifax and TransUnion. Although Experian also has its own scoring model called Experian PLUS and other models exist. Here’s a look at some of the other scoring models and the ranges they use.
- VantageScore versions 1.0 and 2.0: 501–990
- Experian’s PLUS score: 330–830
- TransUnion New Account score of: 300–850
- Equifax credit score:280–850
Some lenders even have their own models. But, most lenders and credit card companies use FICO® scores or VantageScore scores. Learn more about how VantageScore scores compare to FICO® scores.
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LITERALLY NO ONE USES THAT.... IRRELEVANT.
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Weird, I just looked at an account and this guy has an +876 through TransUnion. End of the day, who gives a shit. If you're in the 800s, you're good.
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I still have a bankruptcy on mine and my credit score is in the 720s. It wasn't hard to rebuild honestly.
Yeah, someone at work told me his was around that low. I was like, dude, just file bankruptcy and get it over with lol.
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Thanks.
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I dont check my credit score often but saw a big drop. I got two creditors charging me for doctors bills. I disputed it and won both cases. I was like I just spent over 5000 dollars on medical bills for my back. Do you think I would have drawn the line at a 43 dollar bill and 86 dollar bill? I never received anything from the doctor or the creditor.
They took it off. Its crazy how random shit can pop up on there.
They took it off. Its crazy how random shit can pop up on there.
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Yup, literally the only reason I check mine every 6 months.
TL1961
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Often it is medical just as you said because people wait to know their portion and things get effed up.
People reviewing should have sense enough to know a $44 med bill unpaid is different than default on a loan. But they may not.
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Relevant story.
My Mom and Dad were divorced when I was 11.
Divorce agreement had provisions for who would cover what % of various child expenses.
Medical bills were in that agreement, I don't know the exact agreement.
When I was a teenager I had medical bills that they would throw back and forth.
I turn 18, have a bill, and they start throwing it back and forth and no one pays it.
I graduate from college... 22 years old, start working for TransUnion, and find collections on my credit report.
Fucking idiots didn't pay the bills so they wound up in collections on my credit report.
I paid the collections and got it handled.... fucking Special person Boomer parents.
They both told me "Don't check your credit score, that lowers it!!!!"
A Hard Inquiry can lower your score.... not the same as just checking your score/data using a service like Credit Karma or True Credit.
I figured that out in 30 minutes.... 60 years later they don't know how it works.
My Mom and Dad were divorced when I was 11.
Divorce agreement had provisions for who would cover what % of various child expenses.
Medical bills were in that agreement, I don't know the exact agreement.
When I was a teenager I had medical bills that they would throw back and forth.
I turn 18, have a bill, and they start throwing it back and forth and no one pays it.
I graduate from college... 22 years old, start working for TransUnion, and find collections on my credit report.
Fucking idiots didn't pay the bills so they wound up in collections on my credit report.
I paid the collections and got it handled.... fucking Special person Boomer parents.
They both told me "Don't check your credit score, that lowers it!!!!"
A Hard Inquiry can lower your score.... not the same as just checking your score/data using a service like Credit Karma or True Credit.
I figured that out in 30 minutes.... 60 years later they don't know how it works.
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Seems legit.
Net Neutrality
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LMAO THAT SCORE IS HORRIBLE. THAT'S WHAT HAPPENS WHEN YOU WASTE YOUR MONEY ON A DISGUSTING TOSHIBA TV. I HAD A TOSHIBA TV ONCE AND IT SET MY HOUSE ON FIRE BUT I'M RICH SO I JUST BOUGHT A NEW HOUSE. BUT NOT EVERYONE HAS THAT LUXURY. TOSHIBA IS FUCKING TRASH!!! ???
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I'm sorry, but this has nothing to do with Net Neutrality.