Just found out my credit score for the first time

[thepd7]

I am 21, is that good? All 3 are around 735-745ish. What kind of score does it take to get a great interest rate on a home loan? It says I am 75th percentile but I was hoping to be around 800.

 

[KLin]

My credit score is in the proverbial sh!tter right now .

 

[thepd7]

Originally posted by: KLin
My credit score is in the proverbial sh!tter right now .

thats because you are an oakland A's fan. Now if you rooted for the Rangers it would get better I bet.

 

[Ryan]

That's great, but is it based on very much credit history? My boyfriend's was 720, yet he couldn't get any significant loans because he has too little credit history.

 

[Descartes]

As Ryan said, your credit score is fine, but you'll likely still have problems getting a loan at a great rate due to lack of history. I don't think many in their 20s have credit scores of 800 simply due to lack of history.

 

[cKGunslinger]

Can I borrow about 200 points? :laugh:

 

[Eos]

Mine is 680 + or - and I declared chapter 7 in April 2004.

 

[midway]

Hell i got a house with a 643, so yeah mid 700s is nice. I've slowly pulled mine up from the high 400s/low 500s.

 

[thepd7]

Thanks for the input everybody. I am not looking to get a house for a few years at least so I guess I will just keep putting everything on my credit card.

 

[Descartes]

Originally posted by: midway
Hell i got a house with a 643, so yeah mid 700s is nice. I've slowly pulled mine up from the high 400s/low 500s.

Getting a house is one thing, but at what rate?

 

[Christobevii3]

I used my credit card like a check book just because i'm lazy. I have a pretty good score too like you, but i think to get a decent one i'd need to get a small loan or two and pay it back, though having my apartment has helped too.

 

[Suspicious-Teach8788]

Originally posted by: thepd7
Thanks for the input everybody. I am not looking to get a house for a few years at least so I guess I will just keep putting everything on my credit card.

I'm 19 and I have 740

 

[Reckoner]

My credit score is eleventy billion. Pretty freakin' AMAZING if you ask me.