Anyone have a perfect credit score?

Before my divorce I was at 820. It's been all downhill since then for my score but I am much happier. Only 720 these days.

I really don't need any credit right now. I own three houses and two cars all paid off. Outstanding bills are from a bicycle accident that should have killed me. Got screwed by the events insurance company and calling one of those lawyers you see on TV commercials.

havent checked it in awhile - do you use some kind of monitoring service or had a recent pull for a purchase?

Just check you bank/credit account online. They will provide the score and supporting breakdown without "pulling" your credit report.

I'm at 857 out of 900 according to my Citibank account. Chances are that I will never need credit again aside from taking advantage of promotional deals on credit cards.

Once you get to 760, I don't think it makes any difference how much higher it goes from there.

I was at 735, then I paid off my car. 665 now. What the hell?

Mine hovers around 860, I just looked its 861. I have about 300K in credit I dont use via a home equity line and 3 credit cards with 40K credit limits. I use the lines from time to time and pay them off immediately, I have not ever been charged credit card interest. I always wonder why my credit isnt perfect. The funny thing is they cant see the other side of the balance sheet, I have enough assets to pay off my credit lines 20X over at any given moment.

^This. If you are already at 827, there is no need to get any higher.

But if you really want to get it higher, there are two things you can do.

1. Use your debit card as much as possible.

2. Pay off your credit card balance as soon as you get the bill, and not wait until the due date.

Your credit card balance counts as your "debt" even if you pay it off every month. I have noticed my credit score dips a little twice a year after taking vacations trips. Once I pay off the card balance at the end of billing cycle, my score will get back to where it was.

So doing the two things above will probably improve your score, because it reduces the ratio of your "debt" to the credit limit. But you are losing money by doing so if your checking account gives you any interest.

These "alternative" scoring systems that go above 850 don't count. Only your traditional max 850 score applies to everyone for comparison.

I bet it's not possible to hit 850. There's always some risk in lending money.

I was 840 a month or two ago. Now 836 (my bank seems to alert me whenever it changes).

Nothing changed in between those two scores. No idea why it changed.

Agreed, where are these people getting 900 point scales?

So upon closer review, I need 1) to wait 2 years until my oldest credit card is 25 years old 2) request increased limits on all existing cards (which might generate inquiries that will take 2 years to drop off) 3) have zero balance on all cards, but still use the cards so the accounts don’t get closed.

A perfect score which is typically 850 by the standards of FICO credit scoring system is very rare but theoretically possible to achieve. The health of your credit score is based of different factors such as; Credit history, payment history, credit utilization, length of credit history, and types of credit account.

Achieving a perfect score often requires a long and impeccable credit history with no negative marks or late payments, a diverse mix of credit accounts, and very low credit utilization. One thing you should know is most lenders don't require a perfect score to qualify loans and interest rates. So practically, having a credit score in the high 700s or low 800s is generally sufficient to gat the best lending terms. (spirassp. com can help you get credit boost and creditworthy)

Remember that your credit score is just one factor the lenders consider when evaluating your creditworthiness. Other factors, such as you income, debt-to-income ratio, and the lenders criteria all play an important role in loan approval decisions.

I bet you don't get any [word for female cat] if the only thing you can brag about is your credit score.

I do have a very high credit score. But it means very little in practical terms. I have no need for credit but do occasionally use a credit card, paying it off the next day or the day thereafter. At my age, I never really become comfortable with any lending institutions, although for day to day matters I have no reason to complain about the credit union. In any event, chasing a higher credit score for the mere purpose of seeing it posted is not sensible.

In my dreams! 🤣

The score itself just doesn't matter. All that matters is the score band and the band depends on the institution.

If a lender has an A+ band that is 800+ then an 800, 810, and 850 are identical.

Please keep in mind FICO score is falling out as the sole decision engine for lending