It's only 850 on one FICO model, not all of them. I was at 850 with FICO 8 at one point, but 760 on FICO 2.

Time (length of payment history and age of accounts) is the most important factor. For the 1-2 months before you apply for new credit, you can also practice AZEO:

> AZEO is not something you have to do every month. Only in the run up to when you need your credit score to be its highest, e.g. in the 40 days before you apply for a loan or a card.