I have to admit, I place enormous faith in FICO scores. Maybe this is naive but I feel that someone with a FICO of 800+ worked for and earned that, and is a lot less likely to game the system and trash that kind of a score unless they're planning suicide or a run to Canada. It's not necessarily that high scorers are more moral than other people, but they have something significant to lose with gaming shenanigans. So far I haven't been burned on any new loans to the 800 club. (Have to admit I'm still considering leaving, as these more reliable loans net about 4% after fees and I can do better with an insured muni bond with No Work Whatsoever and the possibility of a better return than the stated rate if I time it well. oh yeah, and almost no tax liability either. Jeez ... why on earth am I here?