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Credit guys: Estimate my credit score based on the CC offers I get :)

N

notfred

Lifer
I don't know how accurate this will be, but I don't feel like paying to know my credit score, or even signing up for something that will require to pay at some point in the future....

So, here's my latest offer: 0% intro APR for 15 months, 9.24% fixed after that. Limit up to $100,000 (but most likely around $10,000, as that's what other companies will give me). And this is a platinum mastercard from Chase.

What kind of credit score would I need for them to send me offers like this? 🙂
 
There is no accurate way to guess a credit score since it takes into account dozens of different variables.

I paid EquiFax to see my credit report online instantly AND my credit score but it will cost you a whopping $12.95
 
Originally posted by: RossMAN
There is no accurate way to guess a credit score since it takes into account dozens of different variables.

I paid EquiFax to see my credit report online instantly AND my credit score but it will cost you a whopping $12.95
Click to expand...

This site has the dumbest rules for making passwords....

ERROR: Password cannot contain non-digit or non-character values.

ERROR: Password must contain at least a number.

Anyway, my FICO score is 697. That fairly decent?
 
Originally posted by: notfred
Originally posted by: RossMAN
There is no accurate way to guess a credit score since it takes into account dozens of different variables.

I paid EquiFax to see my credit report online instantly AND my credit score but it will cost you a whopping $12.95
Click to expand...

This site has the dumbest rules for making passwords....

ERROR: Password cannot contain non-digit or non-character values.

ERROR: Password must contain at least a number.

Anyway, my FICO score is 697. That fairly decent?
Click to expand...

I agree about the passwords, took me about 5 tries and I forgot my password now!

697 is excellent. If you had enough income, low debt, good credit you'd be a shoe in for a new car or home mortgage.
 
Originally posted by: RossMAN
Originally posted by: notfred
Originally posted by: RossMAN
There is no accurate way to guess a credit score since it takes into account dozens of different variables.

I paid EquiFax to see my credit report online instantly AND my credit score but it will cost you a whopping $12.95
Click to expand...

This site has the dumbest rules for making passwords....

ERROR: Password cannot contain non-digit or non-character values.

ERROR: Password must contain at least a number.

Anyway, my FICO score is 697. That fairly decent?
Click to expand...

I agree about the passwords, took me about 5 tries and I forgot my password now!

697 is excellent. If you had enough income, low debt, good credit you'd be a shoe in for a new car or home mortgage.
Click to expand...

Cool. 🙂 The site said that to improve my score, I should 1) carry lower balances (even though I was below the nmational average on that...) and 2) Have a longer history of credit (which is kinda tough seeing as how I'm 21). But anyway, things are looking good for me being able to buy a house when I graduate 🙂
 
When you graduate if you have a decent income and haven't accumulated a lot more cc debt (very important) then you should have no problems with a 697 score.
 
Originally posted by: notfred
Originally posted by: RossMAN
There is no accurate way to guess a credit score since it takes into account dozens of different variables.

I paid EquiFax to see my credit report online instantly AND my credit score but it will cost you a whopping $12.95
Click to expand...

This site has the dumbest rules for making passwords....

ERROR: Password cannot contain non-digit or non-character values.

ERROR: Password must contain at least a number.
Click to expand...

That's nothing. My work computer must have one capitalization, one form of punctuation, one numerical value.

Anyway, I have something like 707 credit (what the hell are the units anyway?) and I get preapproved credit cards with a whopping $800 limit, $50 annual fee, and 20% interest!!!! What a deal!

 
Originally posted by: Triumph
Anyway, I have something like 707 credit (what the hell are the units anyway?) and I get preapproved credit cards with a whopping $800 limit, $50 annual fee, and 20% interest!!!! What a deal!
Click to expand...

Hahaha, I wonder why I get 10x the limit, no annual fee, and less than half the interest rates? 🙂
 
I just did that equifax score report for 12.95, and my score was 781! that's not bad i guess.. what is the maximum?
 
Originally posted by: d33pt
I just did that equifax score report for 12.95, and my score was 781! that's not bad i guess.. what is the maximum?
Click to expand...

:QThat is outstanding.

*claps for d33pt not going into debt*

Spac3d
 
So, here's my latest offer: 0% intro APR for 15 months, 9.24% fixed after that. Limit up to $100,000 (but most likely around $10,000, as that's what other companies will give me). And this is a platinum mastercard from Chase.
Click to expand...

My cat gets credit card offers in the mail if that tells you anything.
 
Bump for a good thread...and a question.

I checked my own score, and it's pretty good. However, some cc's I used to have, but cancelled a while ago still show up. However under description it says "Account closed by consumer Paid account / zero balance." So at least it looks like I did cancel them, but since they're still showing up, are they hurting me at all? Thanks in advance
 
You guys should not be spouting off your credit scores unless you have an exrememly secure set-up and know what you are doing. Keep that info to yourself!!


You guys with high 700's and low 800's are in a minority and you identity is in high demand!!. Just be aware of this! Identify theft is on the rise big time!
 
Originally posted by: BentValve
You guys should not be spouting off your credit scores unless you have an exrememly secure set-up and know what you are doing. Keep that info to yourself!!


You guys with high 700's and low 800's are in a minority and you identity is in high demand!!. Just be aware of this! Identify theft is on the rise big time!
Click to expand...

score of 660 or something 🙂

im in the 25th percentile 🙁
 
753 here.
Too many credit accounts, apparently. I have a lot of high balance CC's that I never use. I might close out a couple of them.
 
Originally posted by: goldboyd
Bump for a good thread...and a question.

I checked my own score, and it's pretty good. However, some cc's I used to have, but cancelled a while ago still show up. However under description it says "Account closed by consumer Paid account / zero balance." So at least it looks like I did cancel them, but since they're still showing up, are they hurting me at all? Thanks in advance
Click to expand...

No.

Those accounts will fall off eventually, after a few years.
 
Originally posted by: RossMAN
Originally posted by: goldboyd
Bump for a good thread...and a question.

I checked my own score, and it's pretty good. However, some cc's I used to have, but cancelled a while ago still show up. However under description it says "Account closed by consumer Paid account / zero balance." So at least it looks like I did cancel them, but since they're still showing up, are they hurting me at all? Thanks in advance
Click to expand...

No.

Those accounts will fall off eventually, after a few years.
Click to expand...




I have a few closed accounts that were in good standings that have been on my report since 1987, they stay on there forever but they are not negative at all.
 
Anything in the low 700s & above is choice. You'll likely get approved for the current advertised 0% financing offers with dealerships. High 600s will probably get you a 1.9-3.9% offer in response. Low 600s and below gives you a range from, oh, 7.9% to ugly double digits.
 
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