bigdaddy2003
Posts: 7,384
Jun 27, 2017 1:34pm
I'm finally getting my life set up how I want to it be and having just downloaded Credit Karma, I just wondered, is your credit score, good or bad?
Laley23
Posts: 29,506
Jun 27, 2017 1:58pm
Good.
SportsAndLady
Posts: 35,632
Jun 27, 2017 2:01pm
720'ish
Belly35
Posts: 9,716
Jun 27, 2017 2:12pm
Wife credit score is a lttle better than mine but both are very good....
Fab4Runner
Posts: 6,196
Jun 27, 2017 2:30pm
Good.
Automatik
Posts: 14,632
Jun 27, 2017 2:48pm
716 last I checked.
What do I win?
What do I win?
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BR1986FB
Posts: 24,104
Jun 27, 2017 2:59pm
Very good. I've heard they may soon be changing the way they score credit. For instance, in the past, closing credit cards may have lowered your score, where it may not now.
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slingshot4ever
Posts: 4,085
Jun 27, 2017 3:27pm
Wife and I are both between 790 and 810 depending on which credit report you look at (Experian, TransUnion, etc)
Iliketurtles
Posts: 8,191
Jun 27, 2017 3:50pm
Mine was about 760ish last time I checked a few months ago.
FatHobbit
Posts: 8,651
Jun 27, 2017 3:52pm
Capital one tells me i have 763/850.
Don't the official credit agencies have different ranges? (Like one is out of 850 and another is out of 750)
And maybe this is only funny to me, but capital one has several categories that they grade you on. For oldest account i only have a "good" rating. My oldest account is 23 years old. Not sure how i can fix that without a time machine.
Don't the official credit agencies have different ranges? (Like one is out of 850 and another is out of 750)
And maybe this is only funny to me, but capital one has several categories that they grade you on. For oldest account i only have a "good" rating. My oldest account is 23 years old. Not sure how i can fix that without a time machine.
Spock
Posts: 2,853
Jun 27, 2017 4:04pm
wife and I had 812 and 820 last time we checked
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friendfromlowry
Posts: 6,239
Jun 27, 2017 4:06pm
710. If I'm not looking to make a major life change (new job, house, car, etc) in the next few years does it really matter?
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friendfromlowry
Posts: 6,239
Jun 27, 2017 4:08pm
Same. Mine is 11. My daughter is two years old, can I open a card in her name now lolFatHobbit;1860476 wrote:Capital one tells me i have 763/850.
Don't the official credit agencies have different ranges? (Like one is out of 850 and another is out of 750)
And maybe this is only funny to me, but capital one has several categories that they grade you on. For oldest account i only have a "good" rating. My oldest account is 23 years old. Not sure how i can fix that without a time machine.
Laley23
Posts: 29,506
Jun 27, 2017 4:18pm
Mine was 810 2nyears ago when we bought our house. Haven't missed a payment in anything and have been spending more...so imagine it's the same or better lol.
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jmog
Posts: 6,567
Jun 27, 2017 4:27pm
somewhere between 1th and eleventy billion.
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Con_Alma
Posts: 12,198
Jun 27, 2017 4:40pm
Not all credit scores are calculated the same way and not all companies use the same credit score. It's best to know from whom you are seeking credit what score it is they use and what their ranges of determination are for applying their respective interest rates.
The Fair Issac Corporation use to be the standard with their FICO score but that's not the case anymore. FICO was weighted based on the amount of your debt = 30%, payment history = 35%, length of credit history = 15%, your credit mix = 10% and new credit = 10%.
The Fair Issac Corporation use to be the standard with their FICO score but that's not the case anymore. FICO was weighted based on the amount of your debt = 30%, payment history = 35%, length of credit history = 15%, your credit mix = 10% and new credit = 10%.
Commander of Awesome
Posts: 23,151
Jun 27, 2017 4:46pm
lol what?bigdaddy2003;1860450 wrote:I'm finally getting my life set up how I want to it be
Dr Winston O'Boogie
Posts: 1,799
Jun 27, 2017 5:15pm
If I could go back and talk with my younger self, this would be one of the topics I would raise. In my mid-twenties, I did some things that really hurt my credit. It took my quite a while to pull out of that. Nowadays, my credit is excellent. But I cringe when I think of extra interest I have had to pay over the years because of this problem.
iclfan2
Posts: 6,360
Jun 27, 2017 5:31pm
^^maybe our brilliant education system should add this to a finance class that should be mandatory for all juniors/ seniors in high school.
Mine is 800ish last time I got a loan. It helped that my parents gave me a credit card when I was 16 to pay for gas and small items to build up credit history.
Sent from my iPhone using Tapatalk
Mine is 800ish last time I got a loan. It helped that my parents gave me a credit card when I was 16 to pay for gas and small items to build up credit history.
Sent from my iPhone using Tapatalk
Ironman92
Posts: 49,363
Jun 27, 2017 5:42pm
This for me and my wifeslingshot4ever;1860470 wrote:Wife and I are both between 790 and 810 depending on which credit report you look at (Experian, TransUnion, etc)
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gut
Posts: 15,058
Jun 27, 2017 5:48pm
Generally, if you comfortably at 760+ you should be able to qualify for the best mortgage rate.
The banks can ding you for a lot of stupid stuff - average balances over 60% PER CARD (instead of like, you know, total available credit). Credit inquiries when you apply for those stupid store cards to get the discount.
The banks can ding you for a lot of stupid stuff - average balances over 60% PER CARD (instead of like, you know, total available credit). Credit inquiries when you apply for those stupid store cards to get the discount.
SportsAndLady
Posts: 35,632
Jun 27, 2017 5:49pm
Yeah, my senior year of college I didn't return the cable box and they were mailing me letters to that house that I obviously moved out of. Sent a collections for $300. Between that and missing a few student loan payments right out of college, my score was awful. Happy with where it's at now.Dr Winston O'Boogie;1860493 wrote:If I could go back and talk with my younger self, this would be one of the topics I would raise. In my mid-twenties, I did some things that really hurt my credit. It took my quite a while to pull out of that. Nowadays, my credit is excellent. But I cringe when I think of extra interest I have had to pay over the years because of this problem.
bigdaddy2003
Posts: 7,384
Jun 27, 2017 6:06pm
Commander of Awesome;1860491 wrote:lol what?
I never really knew what I wanted to do with my life and to be honest the thing that I am embarking on now isn't my top choice but there is pretty decent money involved, so it's ok.
salto
Posts: 2,611
Jun 27, 2017 7:38pm
Plus universities should not allow banks on campus to market their credit cards to college students.iclfan2;1860498 wrote:^^maybe our brilliant education system should add this to a finance class that should be mandatory for all juniors/ seniors in high school.
Mine is 800ish last time I got a loan. It helped that my parents gave me a credit card when I was 16 to pay for gas and small items to build up credit history.
Sent from my iPhone using Tapatalk
ernest_t_bass
Posts: 24,984
Jun 27, 2017 8:54pm
400. Thinking about buying a boat.