Profile of High Credit Scorers

Feb 8, 2013 by

You’ve heard of the FICO® credit score, a product of the Fair Isaac Corporation, the most widely used consumer-focused score. And if you’re interested in credit scores and how they’re calculated, you’ve probably read lots of speculation from people who may or may not know what they’re talking about on what you should and shouldn’t do to optimize your credit score.

Well here’s some interesting info straight from the horse’s mouth, so to speak. This infographic from Fair Isaac discloses some of the typical—and in some cases surprising—behaviors and habits of folks with the highest FICO® credit scores. You know your behavior and you probably know your credit score. (If not, think about trying Does this infographic help explain to you why your score is high? Or low?

myFico infographic

What surprises you about high FICO® score achievers?

Disclosures: Money Counselor received no compensation for this post. The link to Credit Sesame constitutes an affiliate ad.

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  • John S @ Frugal Rules

    Interesting info graphic! Nothing terribly surprising to me. It points out that while many think it means being debt free, it really comes down to how you manage debt and use it for your benefit.

    • Good point. Since credit scores are used by creditors to price credit and decide whether to extend it, someone with little credit history typically will score lower than someone with an extensive–but outstanding–credit history.

  • Brick By Brick Investing

    Nothing really surprises me, these are responsible individuals one thing that caught my eye is that they do not open new accounts often. This has always bothered me, who cares how many new accounts someone opens as long as they stay current on all payments.

    • Yes, there are quite a few quirky things about credit scoring algorithms that don’t seem logical. But supposedly it’s all based on analysis of historical data, so should be valid?

  • 816 baby!

    I’ll vouch for They give you your score and it is completely free; no credit card required.

    Like another commentor mentioned, it is a little bothersome that debt actually increases a credit score. I noticed my score went down after I paid off a car.

    I think an 850 is a perfect score, but is it actually achievable? Has anyone ever had and 850?

  • FrugalPortland

    Hmmmm should I start talking about my high credit score on dates? 🙂

    • My now wife showed me how she balances her checkbook–she doesn’t–on our very first date. Dating’s one thing, but I think I’d be wary of getting serious with someone who had a low credit score, so why not publicize a high score and get that out of the way? In fact, maybe credit score should be one of the questions the online dating sites ask. Age, favorite movie, height, and credit score.

      • FrugalPortland


        ——– Original message ——–

  • Giving in to the temptation to pay down the highest balance first just
    to get it out of the way, step back and reassess what actions will
    actually be best for your credit score,
    Have a nice day!!!

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