[RockinRight]

850 is the max. Some say 900. Highest I’ve seen is an 849.

In all honesty, once you’re over 720, going any higher doesn’t make a hill of beans difference.

[the_devils_advocate_666]

In all honesty, once you’re over 720, going any higher doesn’t make a hill of beans difference.

That's about what I figured.

[Mercat]

glad to hear that. Ours is only 789. :-( probably because I’m a lawyer and self employed.

[twigs]

I’m really glad that you explained that. Thank you!

[FreeInWV]

“In all honesty, once you’re over 720, going any higher doesn’t make a hill of beans difference.”

Mine is 820. Just went through a loan process and got raked over the coals. They asked for funds verifications vastly in excess of the required down. They “required” that I use a specific appraiser and then his appraisal came in at least 30% low and then they required a subsequent inspection by a specific inspector and really stupid escrowed repairs.

I knew that the bank was playing some games with the loan, but I was in a rush and knew that I was getting the house at a significant discount. I figured it wouldn’t matter in the long run, so I chose to ignore their games. Now I think perhaps I will send a letter to those nice RESPA folks.

[pathudock]

900 is the MAX for the Consumer Model. However, that model is practically useless compared to the FICO score, which can (theoretically) be a maximum of 850.

The report you saw that was an 849...

Was this based on the FICO model?

What kind of Tradelines was the report composed of?

Thanks