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Last month with the myfico trial it was 720.

My short credit history hurts it, plus I have about an $1800 dollar balance on an AMEX card with a $2000 dollar limit. I could pay it off, but it has 0% APR until May 07.
 
While we're on the "fake" scores....

Many of my loans' interest rates were dictated soley by the scores from any single of the 3 credit reporting agencies.

For example, my car rate was dictated directly by my transunion score and nothing else. That was the only thing checked and the rate on the loan was directly tied to it.
 
One of them was 780 last time I checked, probably around last December. Might be lower now, I forgot a payment to a credit card this spring. But weird thing, a month after I forgot the payment, the company decided to upgrade my account to a diamond card instead of the platinum.
 
I have 320 because of Mr. Dell and collegians going to Europe selling over pricing magazines. If it does not straighten soon I will be doing the bankruptcies to reset it.
 
I don't have debts in credits cards, and only two loans, my mortgage (that is getting and extra quote every year, so we will pay it off in about 7 years) and my wife's car.
I don't need to lie about the score, it does not make any differences for me.

Eltano

 
Originally posted by: Rapidskies
I have 320 because of Mr. Dell and collegians going to Europe selling over pricing magazines. If it does not straighten soon I will be doing the bankruptcies to reset it.
Click to expand...


That makes no sense to me.
 
667-700, somewhere in there. Poor account has a lot of queries in the last 6 months. (home loan from 2 different companies, title searches, auto insurance, auto loan)
 
Last I saw was 785. Don't remember which one it was though.

Don't much care right now as I owe NOTHING (other than a few SAME AS CASH 0% deals) and am not looking at financing anything (unless at zero percent)! 😀
 
Anyone who wants a free credit report with legit credit score from all three companies can PM me with your name and SSN 😉


Originally posted by: Rapidskies
I have 320 because of Mr. Dell and collegians going to Europe selling over pricing magazines. If it does not straighten soon I will be doing the bankruptcies to reset it.
Click to expand...

I have a feeling that a bankruptcy on your record might do more damage than a poor credit score. But I'm no expert.
 
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