$850$ is a perfect FICO score. You are straight out of college and brand new to having credit accounts. Because you$$re so new, you fell prey to the retail strategy of $$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 less than a year$$s worth of credit relationships plus all $5$ relationships you have are credit cards. There are no installment credit products to balance the load. Theoretically, what would you estimate your best possible FICO score to be if you get penalized $5\%$ in the $$Types of Credit$$ segment, $5\%$ in the $$New Credit$$ segment, and $5\%$ in the $$Length of Credit History$$ segment...for a total penalty of $-15\%?($Note: this is not a zero$-$based scale like it should be$,$ so just shave off points from the top FICO score$)\mathrm{.}850$ is a perfect FICO score. You are straight out of college and brand new to having credit accounts. Because you$$re so new, you fell prey to the retail strategy of $$Would you like to open a credit account with us today and save $10\%?$ pitch of every store that offered it in the last month. So$,$ now you have less than a year$$s worth of credit relationships plus all $5$ relationships you have are credit cards. There are no installment credit products to balance the load. Theoretically, what would you estimate your best possible FICO score to be if you get penalized $5\%$ in the $$Types of Credit$$ segment, $5\%$ in the $$New Credit$$ segment, and $5\%$ in the $$Length of Credit History$$ segment...for a total penalty of $-15\%?($Note: this is not a zero$-$based scale like it should be$,$ so just shave off points from the top FICO score$)\mathrm{.}850$ is a perfect FICO score. You are straight out of college and brand new to having credit accounts. Because you$$re so new, you fell prey to the retail strategy of $$Would you like to open a credit account with us today and save $10\%?$ pitch of every $850$ is a perfect FICO score. You are straight out of college and brand new to having credit accounts. Because you$$re so new, you fell prey to the retail strategy of $$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 less than a year$$s worth of credit relationships plus all $5$ relationships you have are credit cards. There are no installment credit products to balance the load. Theoretically, what would you estimate your best possible FICO score to be if you get penalized $5\%$ in the $$Types of Credit$$ segment, $5\%$ in the $$New Credit$$ segment, and $5\%$ in the $$Length of Credit History$$ segment...for a total penalty of $-15\%?($Note: this is not a zero$-$based scale like it should be$,$ so just shave off points from the top FICO score$)$