3. 850 is a perfect FICO score. You are straight out of college and brand new to having credit accounts. In fact, youre so new that fell prey to the retail strategy of Would you like to open a credit account with us today and save 10%? pitch of every store that offered it in the last month. So, now you have 5 credit cards and no installment credit products to balance the load. What would you estimate your best possible FICO score to be if you get fully penalized in the Types of Credit segment of the calculation? (Note: this is not a zero-based scale like it should be, so just shave off points from the top FICO score)