HELP! HOW CAN I BREAK THE 800 FICO SCORE?

I’ve signed up for a free 30-day Score Watch trial with MyFico.com today.  I will cancel the free trial in 3 weeks.

My current FICO score is 785 as of today, Jan. 27, 2010.  That is better than 80% of U.S. consumers.

QUESTION, HOW CAN I BREAK THE 800 SCORE?

How I got my FICO score:  I only trust MyFico.com, which I was led to after reading posts and articles.  They are THE source.  I’ve signed up for the their free 30-day trial.  I will go back there just before a month from today to cancel my membership.  That was very easy!


POST UPDATE (FEB. 02, 2010):

I went back to MyFico today and, after drilling down into different places, it showed me that the following is hurting my FICO score:

My most recent late payment happened 3 years ago.

Then it had this comment:   “Most FICO High Achievers, about 93%, have no missed payments at all.  But of those who do have a mised payment, it happened nearly 4 years ago, on average.

What? I do not recall ever making a late payment.  I got my free credit report from Equifax and I have printed a letter to dispute that item.

All the information I needed was within rich at MyFico.com.  I still have a couple of weeks before closing my account before the free 30-day trial expires. 🙂  From there, it had link to the site where I was able to get my free credit reports, a right we all have, from the 3 major credit bureaus.

You never know what’s lurking behind your credit history until you check!!!!

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3 Responses to “HELP! HOW CAN I BREAK THE 800 FICO SCORE?”

  1. Steve Says:

    Did the score come with a top 3 negatives? Last time I looked at my own score (years ago) it did. Sometimes they’re things like “length of credit history” which you can’t do much about. Mine was funny – one of the top 3 was actually something positive IIRC. I guess my score was about as good as it was going to get 🙂

    Basically to increase your score over time, pay your bills on time, every time. Best thing you can do.

    To increase it in the near future, I am aware of only two options
    1) If there are any (negative) errors on your report, dispute them.
    2) Pay down debt to decrease your utilization ratio (debt/available credit) to 10% or lower.

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