Just found out my credit scores <brag/>

[TuffGirl]

Equifax: 782
Transunion: 789
Experian: 794

I knew I had good credit only because I know myself to be financially responsible (i.e. I don't suffer from RossMAN syndrome), but I had no idea just how good. I don't even have a mortgage yet either, just a car loan, one paid-off student loan, and one credit card for my personal expenses on which I never keep a balance, so my scores can only get even better when/if I do get a mortgage. Woo!

Anyone else want to share? Also I'm willing to entertain any questions about credit that I can help with. Cheers!

 

[her209]

Do you want a C O O K I E?

 

[Miramonti]

Originally posted by: her209
Do you want a C O O K I E?

 

[Entity]

Congrats. Just found out mine is a bit lower than I had hoped (~650), but it isn't holding me back from a mortgage; just holding me back from the percentage we want. Got offered 5.6%; I'm going to work on improving my scores over the next few months and see if we get a better deal.

Rob

 

[Keego]

73x

I forget the last number! I just got a $7k loan so I bet it's lower.

 

[LOLyourFace]

mine's 780 at the young young age of 21.

i freakn rock. I got my new car (mazda6 03) with lowest APR they offered.

 

[TuffGirl]

Originally posted by: LOLyourFace
mine's 780 at the young young age of 21.

i freakn rock. I got my new car (mazda6 03) with lowest APR they offered.

Grats on your score!:beer:

Oh and :camera:'s of the new Mazda6?!?

 

[Yossarian]

Do you like apples?
Mine's 796.
How do you like THEM apples??

 

[TuffGirl]

Originally posted by: PipBoy
Do you like apples?
Mine's 796.
How do you like THEM apples??

Bah:disgust: Take away my fun

 

[MaxDSP]

Last time I checked, mine was about 710 or something. No late payments for over 2 years on either my Disc or Visa. Age=21

 

[boyRacer]

728 i was dragging a 4-5k debt for 2 years or so. all gone now.

 

[MeanMeosh]

mine's only around a ~730, ah well. it has no place to go, but up =P

 

[RossMAN]

Congrats I'm like around 634

 

[BigToquex]

how can you check your score? i'd like to know what mine is.

 

[TuffGirl]

Originally posted by: BigToque
how can you check your score? i'd like to know what mine is.

Try going here. That's just a site I heard about but that's not how I got mine so I wouldn't know if it works or if it's free or not.

 

[mattgyver]

I worked at a car dealership awhile back and had a customer with an 841. Everyone said it was the highest beacon score they had ever seen.

 

[Entity]

Originally posted by: RossMAN
Congrats I'm like around 634

Why do you blow before her credit score of almost 800? Why not just bow?

Rob

 

[Jmmsbnd007]

Originally posted by: her209
Do you want a C O O K I E?

How about a T R O P H Y?
By the way, I think you mean </brag>

 

[TuffGirl]

Originally posted by: Jmmsbnd007

Originally posted by: her209
Do you want a C O O K I E?

How about a T R O P H Y?
By the way, I think you mean </brag>

No I meant <brag/>... XML tag my friend. Notice there's no beginning <brag> and end </brag> tag which would be appropriate for HTML.

I like both cookies and trophies. I will accept either.

 

[Vic]

I hate these online credit report services. I guarantee that if any of you walked into a bank or lender right now that they would not pull as high a score for you as what you're getting off these bogus services. I pull several credit reports every day for customers and I have NEVER seen 21-year-olds with no houses get those kind of scores. Low 700's at best. There's no way some punk whose oldest tradeline is 3-4 years old is going to score near 800.

edited to add emphasis for those who can't read.

 

[mss242]

I am 21 and have a 729. how is that?

 

[mss242]

also, does this checking it yourself count as an inquiry into your credit report?

 

[aphex]

Originally posted by: mss242
also, does this checking it yourself count as an inquiry into your credit report?

yes, i believe checking it once a year is quite standard and isnt looked down upon....

 

[TuffGirl]

Originally posted by: Vic
I hate these online credit report services. I guarantee that if any of you walked into a bank or lender right now that they would not pull as high a score for you as what you're getting off these bogus services. I pull several credit reports every day for customers and I have NEVER seen 21-year-olds with no houses get those kind of scores. Low 700's at best. There's no way some punk whose oldest tradeline is 3-4 years old is going to score near 800.

edited to add emphasis for those who can't read.

FYI I'm no punk or youngin. I just checked my report and my oldest open account dates from 1/95. I have closed accounts that date back to 10/92. Plus I work at a mortgage company; I pull credit reports all day myself, so my credit report's definitely legit.

 

[Vic]

Originally posted by: aphex

Originally posted by: mss242
also, does this checking it yourself count as an inquiry into your credit report?

yes, i believe checking it once a year is quite standard and isnt looked down upon....

If you check your credit through one of the 3 bureaus, then no inquiry will show on your credit. If you check using some 3rd-party credit report service, then a regular inquiry just like any other will show up. The effect of inquiries on credit score is highly exaggerated. I recommend not getting too many, but having a few inquiries never hurt anyone.

BTW, if a bank or lender pulls your credit and gets a 720 or better, then they really don't care if it's any higher (except for the loan officer and/or underwriter to admire it). Once you can get the best, you can't get any better regardless of how much your sh!t doesn't stink.