900 out of 850 possible ?...
Got to get with the program! 850 credit scores are old school. I'm reading from the TransUnion personal Credit Score report:
"Your score and grade are as follows" --Score 921, grade A
"The numerical score ranges from 501 to 990 equaling grade ranges A to F". "Where you Rank" is 90 on a scale of 0 to 100. It then goes on to mention the factors that impacted my score.
1. The available credit on my revolving credit accounts is too low. (They want me to get my credit limits raised).
2. None of your real estate accounts show a credit amount. ( I haven't had a mortgage for about 10 years).
3. The maximum credit amount on your open bank credit card accounts is too low. (Again, get my limits raised).
4. The balances on your open accounts are too high in comparison to their credit limits. (EX: One card I use a lot has a limit of $8000 and I might charge $$2500 in one month).
I always pay the cards off at the end of the month and never carry a balance. I questioned TransUnion on this and they told me that the credit report is just a "snapshot in time" and had the inquirer asked for the report a day later, the result could have been better had I paid off the balance the day before. You cannot convince them otherwise. They agreed with my good credit by paying off the cards in full, but that is how their system is set up. Go figure!
Didn't mean to ramble but thought this information might be useful to someone out there. As I recall, all the credit bureaus were easy to talk to and offered suggestions on how to raise the score. I got copies of all three bureaus, made corrections, called various creditors to close obsolete accounts and made sure they reported to the bureaus. It worked for me.