Belly35
Posts: 9,716
Jan 28, 2011 10:45am
Do you know…..your
Do you know your credit score?
Do you know your credit score?
coyotes22
Posts: 11,298
Jan 28, 2011 10:51am
Yes
mcburg93
Posts: 3,167
Jan 28, 2011 10:58am
yes and not happy about it right now and not sure what happened. I got a report and cant find anything on it. was over 700 last year now im under it. on all three. How are the ways it goes down. I know everytime you get a report it hurts the numbers but i only check it once a year. I owe nothing but the house right now and never been late on a payment. One credit card and only used it twice last year and paid it off as soon as I got the bill. So I am completely dumbfounded on how it dropped 30+ points.
FatHobbit
Posts: 8,651
Jan 28, 2011 11:23am
I knew it when I bought my house 2 years ago. I assume it hasn't gone down, but I never check the number. I do the free yearly report but that's it.
O-Trap
Posts: 14,994
Jan 28, 2011 11:28am
Bought a car on Saturday, so yes.
Belly35
Posts: 9,716
Jan 28, 2011 11:59am
FatHobbit;656410 wrote:I knew it when I bought my house 2 years ago. I assume it hasn't gone down, but I never check the number. I do the free yearly report but that's it.
I know mine but that because we ( wife and I) also bought a truck two months ago
Where do you get that free yearly report?
LJ
Posts: 16,351
Jan 28, 2011 12:02pm
780ish
Fiancee is in the 800's
Fiancee is in the 800's
F
fan_from_texas
Posts: 2,693
Jan 28, 2011 12:02pm
Yes, we know ours. We download our free annual report each year (which doesn't list the score) (I think it's annualcreditreport.com). But we also recently refinanced, so we could see our scores then. We're pretty meticulous in monitoring our credit.
B
bigkahuna
Posts: 4,454
Jan 28, 2011 12:07pm
Yes. It sucks right now because my student loan people screwed me over. The 6th month grace period ended, but they never sent me anything via email, phone, mail saying that payment had started. I got a call 1 week before it defaulted demanding back payment. Been fighting to get it back up ever since (The lowest was 575, but I'm up in the low-mid 600s now). Luckily my wife has outstanding credit (mid 700s)
wildcats20
Posts: 27,794
Jan 28, 2011 12:14pm
bigkahuna;656482 wrote:Yes. It sucks right now because my student loan people screwed me over. The 6th month grace period ended, but they never sent me anything via email, phone, mail saying that payment had started. I got a call 1 week before it defaulted demanding back payment. Been fighting to get it back up ever since (The lowest was 575, but I'm up in the low-mid 600s now). Luckily my wife has outstanding credit (mid 700s)
Literally the same exact thing happened to me.
They called and wanted a payment of almost 23 grand. I said uh, no. Luckily they hooked us up with another company that is letting us pay it off based on my income(my dad is actually paying the bill). So it's only like $40 a month.
T
that_guy
Posts: 439
Jan 28, 2011 12:14pm
I'm in the process of buying a house, so I know mine. Back when I had to write & mail checks to pay bills, it was probably low, as I had quite a few late payments, but now that all my monthly payments are automated, I haven't had a single late payment in 8 or 9 years, that and having no debt helps the score a lot...
mcburg- My understanding is that your score only goes down on Hard Inquirys (if you apply for credit and creditor runs the report), for Soft Inquirys, such as running your own credit report, don't reduce the score.
mcburg- My understanding is that your score only goes down on Hard Inquirys (if you apply for credit and creditor runs the report), for Soft Inquirys, such as running your own credit report, don't reduce the score.
justincredible
Posts: 32,056
Jan 28, 2011 12:16pm
Not sure what it is at the moment but when we bought our house three years ago my wife and I were both ~800. I was just under and she was just over.
V
vball10set
Posts: 24,795
Jan 28, 2011 12:17pm
yup
FatHobbit
Posts: 8,651
Jan 28, 2011 3:49pm
Belly35;656463 wrote:Where do you get that free yearly report?
That's it. IMO it's a little confusing the first time but they will direct you to each of the three credit reporting agencies and give you a copy of what they each have for your credit report. It doesn't give you a number, but it will let you see if they have bogus info out there. (my dad and I have the same first name so we get a lot of stuff on each others credit report.) You can do it once a year for free just to make sure someone isn't doing something in your name. I'm better at printing out the reports than I am at actually going through them,fan_from_texas;656469 wrote:I think it's annualcreditreport.com
B
bigkahuna
Posts: 4,454
Jan 28, 2011 8:31pm
wildcats20;656497 wrote:Literally the same exact thing happened to me.
They called and wanted a payment of almost 23 grand. I said uh, no. Luckily they hooked us up with another company that is letting us pay it off based on my income(my dad is actually paying the bill). So it's only like $40 a month.
They were only demanding like 2,000 BUT I WISH my payment was that low.
iclfan2
Posts: 6,360
Jan 28, 2011 8:41pm
No idea. Parents started my credit when I was 16, paid it off every month, and since I took it over I have done the same. So I'm assuming it is pretty good but no idea.
stroups
Posts: 3,223
Jan 28, 2011 8:43pm
Yep, just checked it Thursday and it was about 740
dwccrew
Posts: 7,817
Jan 28, 2011 8:44pm
Recently getting pre-approved for home loan. I was an 803 in May, went down to 790-something because I purchased a new vehicle and it lowered my credit score somehow when they checked my credit at the dealership. Still sitting pretty though.
KR1245
Posts: 4,317
Jan 28, 2011 9:04pm
Looking into buying car in the near future so I checked it out last week. I dont remember the exact number but its in the 730s.
My credit was shit after my 1st year of school. I got a couple credit cards and maxed em out on a bunch of shit that I didnt need. It took me over a year to get my credit back where I wanted it, I dont have any intention on letting that happen again.
My credit was shit after my 1st year of school. I got a couple credit cards and maxed em out on a bunch of shit that I didnt need. It took me over a year to get my credit back where I wanted it, I dont have any intention on letting that happen again.
Tiger2003
Posts: 15,421
Jan 28, 2011 10:08pm
796
Red_Skin_Pride
Posts: 1,226
Jan 28, 2011 10:43pm
739
se-alum
Posts: 13,948
Jan 28, 2011 11:19pm
Mine is around 900.
W
WebFire
Posts: 14,779
Jan 28, 2011 11:29pm
se-alum;657126 wrote:Mine is around 900.
In other words, you have no idea.