I have seen a person get 815 FICO with only one credit card. It seems pretty weird, this would seem to mean that the credit mix is not required. The person has 1 open credit card with a $5800 limit, opened in 1989 and has a $0 balance, so 100% available credit. There are no other loans and no late pays or derogs on credit report. Their score factors are: EXP/FAIR ISAAC INSTALLMENT 2 = 815 SCORE FACTORS: 32 NO RECENT INSTALLMENT LOAN INFORMATION 24 LACK OF RECENTLY REPORTED BALANCES ON REVOLVING/OPEN ACCOUNTS 19 TOO FEW ACCOUNTS RATED 'CURRENT' 03 TOO FEW BANK REVOLVING ACCOUNTS What do you folks think about this?
