How to get a perfect 850 credit score

[cem13]

I have a perfect FICO 09 TU score of 850.  FICO 08 TU is 828.   I went from BK7 to perfect score in about 13 years.  I have almost zero debt and enough to retire at 58.  Hell, even ACA will give me free healthcare next year.

[CorpCrMgr1]

I'm close, but not there yet. Equifax has me at 846, Exp & TU are over 830. One day. BTW, I use YT for a lot of solid device. Fixed my pinball off a video.

[Gunnerboy]

The only time I got the three-fer 850, all accounts reported zero except for the final payoff payment on my auto loan.  Guess AZEO actually works..

This was last year, and since then, I haven't even checked my scores again.  I don't want to be that OCD.

[FicoMike0]

@fury1995 that's a pretty impressive array of data! If I may ask, where did you get all that?

[Thomas_Thumb]

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@fury1995 wrote:

@markbeiser I've had 850's accross all three bureaus reporting for FICO 8, FICO 9 and was very close on FICO 10T with Ford Motor Credit and multiple CFA's reporting. It's possible.. These are from last month:  

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@fury1995 

Congrats on the Classic 850 F8/F9 six pack. Curious, what were your associated Bankcard and Auto F8/F9 scores? The Industry option 900s are more elusive than Classic 850s

[AC20]

I have 2 closed AMEX loans that are still on my report and code as CFAs. I used to get this as a reason code a lot (esp for Auto scores) but now that my scores are higher and I don't get reason codes for some scores, CFA does not show up as a reason code anymore. I believe the reason it no longer appears is because my student loans and all my credit cards from that time frame all aged off my report which hit my aging factors. Currently when I get reason codes they are about short credit history issues, opening a new credit line recently (1.5 yrs Installment, 2.5 years cc), or having too many accounts. 

All that said, my last 3B report from this site had my FICO 8s at 850 EQ, 846 TU, and 841 EQ. I think that the CFAs likely still have some small impact, but I am pretty sure I would be at or nearly at straight 850s if my student loans still were still helping my aging factors. 

Aging as of last 3B - EQ, TU, EX

AAoA - 7yrs 4mos EQ, 6yrs, 5mos TU, 6yrs 8mos EX

AoOA - 16yrs 9mos EQ, 11yrs 11mos TU, 12yrs, 7mos EX

[FicoMike0]

@Thomas_Thumb  you've done some great analysis over the years. Many thanks. I've done some work in the "figures don't lie, but liars can sure figure" business. I understand the difficult. I expect the max score is well above 850, they just "ceiling" it at 850.

[Barkius]

Why would anyone want a perfect FICO score? To brag to your friends who don't give a **bleep**? To post on the internet where no one gives a **bleep**? If you have an 850 that means you're under-applying for credit.

No one cares what your score is.

[markbeiser]

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@Barkius wrote:

Why would anyone want a perfect FICO score? To brag to your friends who don't give a **bleep**? To post on the internet where no one gives a **bleep**? If you have an 850 that means you're under-applying for credit.

No one cares what your score is.

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You appear to care enough to post!😜

[Horseshoez]

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@Barkius wrote:

If you have an 850 that means you're under-applying for credit.

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What a genuinely bizarre statement; some of us have all of the credit we need/want/desire, and if 850s is the result, so what?