They Say I'm 'Exceptional'.

[Diggin It]

Some here would take exception to that. Even I might.

But 'they' is Experian and they call my 807 FICO Score 'Exceptional'.

I guess that's what happens when all of your bills are autopaid so your less than exceptional memory doesn't forget to send them in.

 

[jbrumberg]

When I've been called "exceptional" I did not take it as compliment

DI- Congratulations.

 

[fried1765]

Some here would take exception to that. Even I might.

But 'they' is Experian and they call my 807 FICO Score 'Exceptional'.

I guess that's what happens when all of your bills are autopaid so your less than exceptional memory doesn't forget to send them in.

None of my bills are "autopaid", but Experian still thinks I too am "exceptional".
I am 78 years old.....why would I care?

 

[Bird]

I seldom check my FICO score, and when I do, I just look at the number. So you made me have to go look. And yep, my 840 is also listed as EXCEPTIONAL.

 

[ovrszd]

I've never needed to know my score. Guess that makes me exceptional too. :confused3:

 

[atsah]

I don't pay any attention to my score, when I go to buy something and they offer me 0% I know it's fine..

 

[cat fever]

I assume everyone knows that credit scores are based on using credit.

A year ago my score was 830+. I paid off my house and canceled power/gas etc....(moved) I owed nobody for a year. I did have a Visa card for gas and whatever that is paid off fully each month, as it has been for my entire life. Now my credit score is like 770 with no debt and I've never been late on anything EVER. So how does it go down???

The whole system is based on being in debt and making the payments. Not really fair to those of us who save up and pay cash for most everything.:confused3:

 

[RNeumann]

Debt lovers score........a zero should be the goal. Only product in the world you beg them to let you buy it. And as the thread shows brag about how good you look in their eyes. The most marketed and studied industry in the world.....we are merely their sheeple

 

[YLee Kioti]

Some here would take exception to that. Even I might.

But 'they' is Experian and they call my 807 FICO Score 'Exceptional'.

I guess that's what happens when all of your bills are autopaid so your less than exceptional memory doesn't forget to send them in.

Glad you splained it to us.
For a moment I thought I had a competitor for the short bus....

 

[Diggin It]

I assume everyone knows that credit scores are based on using credit.

A year ago my score was 830+. I paid off my house and canceled power/gas etc....(moved) I owed nobody for a year. I did have a Visa card for gas and whatever that is paid off fully each month, as it has been for my entire life. Now my credit score is like 770 with no debt and I've never been late on anything EVER. So how does it go down???

The whole system is based on being in debt and making the payments. Not really fair to those of us who save up and pay cash for most everything.:confused3:

That's just about me until last fall. House and both cars paid off, no loans, two CCs that autopaid all recurring utilities, both CCs paid off in full every month (earning rewards). The kicker was that I didn't have any real income. Just a very small pension. The rest was coming out of savings. And they STILL showed me at 790-805 most months. That's how the tractor loan was so easy to get. Since then the numbers haven't changed a lot due to the tractor loan debt load.

I haven't had a store card in about 20 years, but today I decided to add a TSC card so I could get their 6 month same as cash promo for a couple of implements and earn rewards from them also. Approval was instant.

FICO will probably take a hit for a couple of months until the payment pattern stabilizes again.