I think 850 is a perfect score, yet I have a 802, 797 and 795. I have never been late on any payment EVER and have paid off all loans very fast, so why isn't it higher? I have heard that each time your credit is checked it knocks off a few points, why?
you could have too high a credit on your cards ,even if you dont use them...they look at "what you COULD put on credit" too lots of things credit vs income vs debt , history of pmts... I have had PERFECT score for over 30 yrs ,but got a hickup 2 .5 yrs ago. ,now its 790. I co signed with a friend on a bank acct , because he couldnt get credit due to an earlier bankruptcy.... he had his EBay acct tied to that bank acct... he bought and sold cars on EBay, he bought a car that he went to Az to pick up...it was NOT as described ,he argued with the seller, who told him they would "work it out" , so he drove the car home...later thgey did not agree so he stopped pmt , EBay reveresd the charges, later revered them again, in the meantime he had closed the acct.... it went into collection....the bank notified me ,and I paid the $1497 the same day...but they STILL charged me w a "paid, closed, acct charged off/write off", even though I paid it...same day! I have argued with Wachovia over and over...I`ve given up, but I`ll NEVER do business with Wachovia again! they say it will take until 2013 until thats wiped off.... I could have ignored the debt ,and I would be in the same boat!
