Mine is 847. I always pay my bills before they are due. I’m not sure why it’s not a perfect 900. Maybe it’s because I lease my car?
That’s one to be proud of.
I am, but I’m wondering why it isn’t perfect. My house is paid off so I have no mortgage. I have no debt other than my leased car which is always paid on time. I have sizable savings and investments.
@atbglenn, precisely.
Since you don’t have a mortgage, you aren’t giving money to your bank, and therefore, no interest, or credit, is being pulled away from you.
Therefore, you aren’t a perfect customer to your bank.
Do you use all your credit cards??
Example, if you have 3 credit cards, you use all 3 .
Yes. But I pay them off in full before the due date.
I only use one out of the three I have.
That might be the reason… other two credit card have no transaction…
Possible. I have used them in the past, but not in the last couple of years.
The calculator is not right, i only have a mortage and no other debts, while using just 1 cc and i got 785.
Dont believe everyting you see on the internet and keep using your common sense.
I thought you meant…
F. Flashlight
I. Incessant
C. Collecting
O. Obsession
Score 
If yer going by that Citi page, yeah.
I believe FICO tops out at 850. So yer 3 shy of being a Credit God. 
Note the ‘300-850’ dial at page end……
No debts, no credit cards here. Feels great 
I remember I used to pay money for the fico credit score. Now credit card company like citi offers for free.
Perfect score, perfect suckers 
Gotta keep yourself in debt worker bees, working towards that perfect score.
I’m not sure why, but Citi doesn’t use the standard range.
In general I’m pretty sure once the score is over 800 you’re good. No additional benefits for a higher score other than bragging rights.
One thing that affects your credit score is revolving utilization rate. It’s your total balance owed on revolving accounts as a percentage of overall credit limit extended to you by financial institutions. So, the more credit you have available, the higher your score.
If I remember, having a mortgage with a good track history of paying it down also actually helps your score, IIRC. I recall my FICO score was higher back when I was paying down a mortgage.
This is the messed up society that we live in. If financial institutions see that you are paying off longer term loans, it makes you more attractive to them as a potential customer for another loan, so they give you a higher score, as opposed to someone who does not have any long term loans and is not paying any interest.
And yeah, Citi seems to be using a different scale that goes up to 900. Most other institutions use a scale that tops at 850:
The bankers have nasty names for people who do that.
You’re paying them nothing (the only profit they’re getting when you use the credit card that way is the percentage cut they take before paying the merchant. Which should be plenty, but, they’re bankers.