Do you know your credit score?

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Phlargo

Senior member
Jul 21, 2004
865
0
0
792 :) I don't even know how I've kept it so high, going to law school, having no income, and only accruing more debt.. but whatever, I'm not going to complain - it's going to make getting a car or house after law school a hell of a lot easier.
 
Muse

Muse

Lifer
Jul 11, 2001
41,018
10,274
136
790. Took me a long time before they'd give me a credit card, but once I got one the shoe had dropped. Now I have credit, but I don't use it except to charge stuff and I always pay immediately - autopay from bank account. I've never had enough job security to warrant mortgaging up my life. Screw that. I own my house, own my cars, own everything else. Watch out or I'll own you! :D
 
OrByte

OrByte

Diamond Member
Jul 21, 2000
9,303
144
106
average of the 3 scores is at 712 with the high being in the 750s and the low score in the 670s.

what a big freaking joke. It makes no sense...
 
Kaervak

Kaervak

Diamond Member
Jul 18, 2001
8,460
2
81
786 from Equifax last I checked. Haven't bothered to check with any others at the moment. It's probably going to go down in a few months from new student loans.
 
Don Vito Corleone

Don Vito Corleone

Elite
Feb 10, 2000
30,029
67
91
Is it normal for your credit score to go through the roof after buying a house? I just checked mine from Transunion, and they list it as 886, which is mind-boggling to me. My scores from the 3 bureaus were all within a few points of 800 when I bought my house last summer. I've also opened and largely paid off a couple of revolving accounts since then (for furniture and a TV), but that can't have added that many points, can it?
 
D

Descartes

Lifer
Oct 10, 1999
13,968
2
0
770 Experian, 755 TransUnion, and 735 Equifax. Not sure why Experian is that much higher than the others.
 
Gunslinger08

Gunslinger08

Lifer
Nov 18, 2001
13,234
2
81
It's in the 730 range. I'm only 22, so I don't think it's bad. I've never done anything to hurt my score, like miss a payment or declare bankruptcy. I don't have a high debt to revolving credit ratio (1:20 at most). I do have $45k in existing loans (school and car).
 
kranky

kranky

Elite Member
Oct 9, 1999
21,019
156
106
Originally posted by: DonVito
Is it normal for your credit score to go through the roof after buying a house? I just checked mine from Transunion, and they list it as 886, which is mind-boggling to me. My scores from the 3 bureaus were all within a few points of 800 when I bought my house last summer. I've also opened and largely paid off a couple of revolving accounts since then (for furniture and a TV), but that can't have added that many points, can it?
Click to expand...

I suspect your 886 score is computed using their brand-new system which has a scale from 501 up to 990. The old scale which started at 300 topped out at 850. For more details, google on VantageScore.
 
Don Vito Corleone

Don Vito Corleone

Elite
Feb 10, 2000
30,029
67
91
Originally posted by: kranky
Originally posted by: DonVito
Is it normal for your credit score to go through the roof after buying a house? I just checked mine from Transunion, and they list it as 886, which is mind-boggling to me. My scores from the 3 bureaus were all within a few points of 800 when I bought my house last summer. I've also opened and largely paid off a couple of revolving accounts since then (for furniture and a TV), but that can't have added that many points, can it?
Click to expand...

I suspect your 886 score is computed using their brand-new system which has a scale from 501 up to 990. The old scale which started at 300 topped out at 850. For more details, google on VantageScore.
Click to expand...


Ahh - that makes sense.
 
Don Vito Corleone

Don Vito Corleone

Elite
Feb 10, 2000
30,029
67
91
Originally posted by: kranky

I suspect your 886 score is computed using their brand-new system which has a scale from 501 up to 990. The old scale which started at 300 topped out at 850. For more details, google on VantageScore.
Click to expand...

I wonder how my 886 compares to my old scores. Probably about the same, eh?
 
halik

halik

Lifer
Oct 10, 2000
25,696
1
81
Originally posted by: DonVito
My lender checked mine last summer when I bought my house. They got scores from the 3 agencies, and they were, IIRC, 798, 795, and 802.
Click to expand...

thats pretty much what I've hread - if you have good debt (mortgage etc.) your credit score goes up (because you're paying large sums on time)
 
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