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ronbar59

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why is my score not 850?
please explain what must be done to achieve a credit score of 850...

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When you can walk into your local bank and they say Hi Ronbar, what can we do for you today and you say, I need 25,000 to go shopping and they go over to he vault and pull out the cash without running your credit report, you'll probably be at about 850.   Are you at this point yet ?   If not, you'll need to have about 20 years of perfect credit, have 20-30 active credit accounts, with a perfect on time payment history for that amount of time; have credit cards, mortgage(s);  auto loan(s); personal loan(s) maybe even a studen loan.   All loans should be down to about 10% of the pay off and your credit cards should only be 2-3 percent utilizaiton.  You'll have no credit inquiries.  When you achieve all of this, you will probably be close to 850.

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