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FICO scores: 40% of US is above 750

JEDI

JEDI

Lifer
apparently now when u apply for a credit card, u get your credit score even if u are approved for the credit card.

it also has a bar graph telling you Fico credit score range.

750-799 21%
800-850 20%

but the copy right on the gragh is dated 2010 😱
 
According to my Creditkarma report of FICO scores, 15.9% nationally are in the 750-799 range, and 5.7% are 800+.

It is difficult to believe that 20% are over 800.
 
kranky said:
According to my Creditkarma report of FICO scores, 15.9% nationally are in the 750-799 range, and 5.7% are 800+.

It is difficult to believe that 20% are over 800.
Click to expand...

That sounds more plausible. I seriously doubt 20% of America has a credit rating over 800.
 
Where do you go to get the actual FICO number? Those free credit report things never just give you a damn number.
 
fuzzybabybunny said:
Where do you go to get the actual FICO number? Those free credit report things never just give you a damn number.
Click to expand...

MyFico.com. Sign up for the free 10 day trial, cancel subscription before 10 days.

Creditkarma is free and does give you a free transunion score daily if desired. Not perfectly accurate, but close.
 
a lot of places give you simulated numbers, and a lot inflate scores, and some have ridiculous scales that give you high numbers. I'm high 700s with 4 CCs for the past 7 years where I pay 100% of my balance off every month. Maybe it's cuz I'm 25 or whatever or because I don't have loans, but my credit history is spot clean. I'm curious how to get over 800.
 
DLeRium said:
a lot of places give you simulated numbers, and a lot inflate scores, and some have ridiculous scales that give you high numbers. I'm high 700s with 4 CCs for the past 7 years where I pay 100% of my balance off every month. Maybe it's cuz I'm 25 or whatever or because I don't have loans, but my credit history is spot clean. I'm curious how to get over 800.
Click to expand...

I'm guessing that if you keep doing what you're doing for another 5 years and you'll be over 800.

Take out a car loan. Pay off a car loan. Pay off student loans. Have a 15+ year credit history. Have a clean mortgage history.

I'm guessing that stuff like that pushes you up.
 
I do the monitoring with a quarterly credit score from MyFico.com. It is cheap too only $5 a month and every 3 months you get your transunion credit report with score. Though the first month they bill you for 3 months since you get your score right away.
 
maybe the OP can't read? Are you sure the graph didn't represent the FICO scores of approved applicants only instead of the general population?
 
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