By Terry Savage on December 28, 2023 | Credit/Debt

My FICO IS 808.
I HAVE NO MORTAGE (House all paid off ) , NO LOANS, I Pay every statement in full, Never been late with a payment (have auto Pay from my Bank.. so I wonder why my score is not higher?
Thank you Terry.

Terry Says

It’s a lovely score. Enjoy it. Probably not higher because you don’t use much credit– yes, paradoxical. Do you remember your SAT score? If so, you’re the ONLY person who does!
Same thing with FICO score. If you don’t need to use it to borrow money, no one is watching. And anything above 800 is wonderful, so don’t worry about it!



a personal
finance question