I'm 18...

[mugs]

I find it hard to believe that your FICO score could be that high, based on knowing what mine is, what my age is, and that the only negative I have against me is the shortness of my credit history.

 

[Scouzer]

my supervisor was floored as well

avg = 650

 

[Don Vito Corleone]

Originally posted by: Scouzer
my supervisor snuck it from my HR file...they checked as a condition of employment

i have my own CC and i pay for car insurance. thats all ive got for credit

our system (canadian) = 0-900

I don't know about your system, but I don't think FICO would score you that high, based on those qualifications, even if you made $200K a year.

 

[Taggart]

Originally posted by: mugs
I find it hard to believe that your FICO score could be that high, based on knowing what mine is, what my age is, and that the only negative I have against me is the shortness of my credit history.

it's not a f-ucking FICO, he's Canadian

 

[Nutdotnet]

Originally posted by: Engineer
I'm 36 and nearly out of debt!

You've got 18 years to beat that!

At my current state...I'll be out of debt @ 44!!!

Only 20 years to go!! haha.

 

[amdforever2]

Not possible unless you have accounts other than your own reporting, increasing your age of accounts.

No one with at most 11 months of reporting history can have a 785.


If mommy put you on the mercedes loan or 20 year old american express account though, it''s possible.

 

[Koenigsegg]

Originally posted by: shortylickens
Thats very good considering the scale tops out at 750.
Or is nobody using that scale anymore?

FICO is 850.

 

[shortylickens]

Originally posted by: Engineer

Originally posted by: shortylickens

Originally posted by: Engineer
I'm 36 and nearly out of debt!
You've got 18 years to beat that!

I'm 26 and have been completely out of debt for almost one year.

Home, cars, etc? Wife? Kids? NICE 401k nest egg?

Home? Yes.
Cars. One.
Wife and kids? HELLL NOOO!
I know better. My idea of being smart is to not get into that crap. Kids are overrated and 60% of American marriages end in divorce. I dont need to make that mistake to learn it. I learn by others mistakes.
401K? Not even. Navy Thrift Savings Plan. They match dollar for dollar up to 100% of my base pay. Currently putting away 50%, which is easy since I have no debt. Have about 100 grand right now. I know people keep saying 1 million for retirement is nice, but by the time I want to retire a million bucks really wont be that much money. I know better. I started planning at age 17. I want several million. If I'm really slick I can collect my first pension at age 38, and my second pension at 58, which is much better than all the 60 year olds I know. Most of them dont even have a small egg.

 

[Scouzer]

my fvckin parents have nothing to do with my score so fvck right off about that

i have my name on NOTHING but my credit card, one rejected CC app, and my car insurance

i make $22k a year

 

Hello people, he's Canadian.

 

[suse920]

Originally posted by: shortylickens

Originally posted by: Engineer

Originally posted by: shortylickens

Originally posted by: Engineer
I'm 36 and nearly out of debt!
You've got 18 years to beat that!

I'm 26 and have been completely out of debt for almost one year.

Home, cars, etc? Wife? Kids? NICE 401k nest egg?

Home? Yes.
Cars. One.
Wife and kids? HELLL NOOO!
I know better. My idea of being smart is to not get into that crap. Kids are overrated and 60% of American marriages end in divorce. I dont need to make that mistake to learn it. I learn by others mistakes.
401K? Not even. Navy Thrift Savings Plan. They match dollar for dollar up to 100% of my base pay. Currently putting away 50%, which is easy since I have no debt. Have about 100 grand right now. I know people keep saying 1 million for retirement is nice, but by the time I want to retire a million bucks really wont be that much money. I know better. I started planning at age 17. I want several million. If I'm really slick I can collect my first pension at age 38, and my second pension at 58, which is much better than all the 60 year olds I know. Most of them dont even have a small egg.

you only live once. Why spend your entire life making money which you are likely to not enjoy?

 

[IonYou]

Originally posted by: Koenigsegg

Originally posted by: shortylickens
Thats very good considering the scale tops out at 750.
Or is nobody using that scale anymore?

FICO is 850.

In Canada it's 900.

 

[ultimatebob]

Originally posted by: shortspanishguy
shens

It's totally possible that he has a credit score that high, IF his mommy and daddy were rich and put his name as an approved user on their credit cards a few years ago. If they never missed a payment, he'd already have a great credit history for the FICO folks to look at.

I doubt that he'd be able to get a score that high on his own by 18, though.

 

[MrDudeMan]

im 20 and my credit score was 793 as of 3 weeks ago...

history:

worked for a year after HS to save $ for college, made ~36,000 and saved 64% of that
1.5 years ago - applied for a CC at BOA, the bank with all of my money, was given a financial rewards card and 8,500 limit
3 months ago - got an american express and a gas credit card at exxon and shell

never paid a cent in interest, never had a late payment, and i dont always have a very big revolving balance.

 

[Nutdotnet]

Originally posted by: Scouzer
my fvckin parents have nothing to do with my score so fvck right off about that

i have my name on NOTHING but my credit card, one rejected CC app, and my car insurance

i make $22k a year

You can OBVIOUSLY tell he's 18

 

[Engineer]

Originally posted by: shortylickens

Originally posted by: Engineer

Originally posted by: shortylickens

Originally posted by: Engineer
I'm 36 and nearly out of debt!
You've got 18 years to beat that!

I'm 26 and have been completely out of debt for almost one year.

Home, cars, etc? Wife? Kids? NICE 401k nest egg?

Home? Yes.
Cars. One.
Wife and kids? HELLL NOOO!
I know better. My idea of being smart is to not get into that crap. Kids are overrated and 60% of American marriages end in divorce. I dont need to make that mistake to learn it. I learn by others mistakes.
401K? Not even. Navy Thrift Savings Plan. They match dollar for dollar up to 100% of my base pay. Currently putting away 50%, which is easy since I have no debt. Have about 100 grand right now. I know people keep saying 1 million for retirement is nice, but by the time I want to retire a million bucks really wont be that much money. I know better. I started planning at age 17. I want several million. If I'm really slick I can collect my first pension at age 38, and my second pension at 58, which is much better than all the 60 year olds I know. Most of them dont even have a small egg.

You are a man among boys!

 

[Kroze]

I'm 22 and my credit score is 779.

but then i have a $109k mortgage, $10k car loan,

 

[jadinolf]

Originally posted by: SampSon
Hello people, he's Canadian.

Not his fault.

 

[Scouzer]

both of my parents have phenomenal credit, but again i will stress i am not an approved user on their cards, nor am i on their credit in anyway or theirs on mine.

but i have had my own bank acct since i was 11 years old. so maybe thats helps, lol.

 

[computeerrgghh]

Originally posted by: Scouzer
both of my parents have phenomenal credit, but again i will stress i am not an approved user on their cards, nor am i on their credit in anyway or theirs on mine.

but i have had my own bank acct since i was 11 years old. so maybe thats helps, lol.

Your the one thats bragging so why don't you sit and bask in your blazing glory?

 

[sonz70]

21 Credit rating of 234

 

[Orsorum]

I was at a 740 or so before I took out a car loan and student loans. Never had a late payment (on anything) and I'm paying off both loans ASAP.

 

[BigJ]

Originally posted by: Scouzer
both of my parents have phenomenal credit, but again i will stress i am not an approved user on their cards, nor am i on their credit in anyway or theirs on mine.

but i have had my own bank acct since i was 11 years old. so maybe thats helps, lol.

You have an artificially inflated credit score. You don't have any negatives to count against you (besides it being brief), but if you try applying for a respectable loan, you will be denied based on having no credit history.

A bank account has nothing to do with credit history.

 

[IAteYourMother]

I just found out my parents have a credit rating of over 800
I fail. Of course, I don't ever recall them missing a payment...
oh well

 

[Scouzer]

Originally posted by: BigJ

Originally posted by: Scouzer
both of my parents have phenomenal credit, but again i will stress i am not an approved user on their cards, nor am i on their credit in anyway or theirs on mine.

but i have had my own bank acct since i was 11 years old. so maybe thats helps, lol.

You have an artificially inflated credit score. You don't have any negatives to count against you (besides it being brief), but if you try applying for a respectable loan, you will be denied based on having no credit history.

A bank account has nothing to do with credit history.

this i can believe!