850 is a perfect FICO score. You are straight out of college and brand new to having credit accounts. Even if you are perfect in all other categories, such as on-time payments and how much you owe relative to available credit, etc.--what would you estimate your best possible FICO score to be if you get fully penalized in the length of credit history 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).