What's your credit score (covert brag thread)

[Red Squirrel]

Just checked Credit Karma and mine is 896 (Transunion).

Not sure if having a credit score higher than my bank account is a good thing, or a bad thing...

 

[Svnla]

Need to clarify which scoring from which company.

FICO is the gold standard imo because it is used the most by all the banks, credit unions, car dealerships, etc. >>>>>>>> everyone else (VantageScore, CK, etc.)

My FICO is over 800 (807 FICO from Bank of America Credit Card for December). Damn American Express, it is not longer used FICO but VantageScore, cheap azz bastard.

I ignore everyone else because their grading scale is 900 or more, not proportional as FICO (850 is the maximum for FICO).

 

[kt]

I thought Transunion maxed out at 850?

 

[Red Squirrel]

Transunion. I think it goes to 900. I can't see where the scale ends because the green line that indicates where I'm at is blocking the number. (1st world problem)

 

[BoomerD]

2

 

[brianmanahan]

 

[snoopy7548]

354. I probably didn't need those four car loans, but you only live once!

 

[skyking]

fuck if I know. We froze our credit a few years back.

 

[hardhat]

Who needs credit when you're an ATOT millionaire?

806 FICO until last year when I bought a house. Now it's like ~770.

 

[brianmanahan]

Who needs credit when you're an ATOT millionaire?

806 FICO until last year when I bought a house. Now it's like ~770.

i'm just trying to keep mine up until i buy a house, hopefully this year

after that my credit score shouldn't affect me anymore

 

[pcgeek11]

FICO 826 of an 850 maximum.

 

[SKORPI0]

oppps.

 

[SKORPI0]

 

[skyking]

we should probably unlock it to see if it needs any repairing. I am seriously contemplating a move/build to begin retirement.

 

[GrumpyMan]

835 but it fluctuates so..

 

[kt]

we should probably unlock it to see if it needs any repairing. I am seriously contemplating a move/build to begin retirement.

You don't need to unfreeze to view your own credit report.

 

[Zorba]

Last I looked was around 840. But haven't had v any type of loan for 5 years so it's probably gone down some.

 

[Exterous]

Usually fluctuates in the low 800s. We usually get and close ~7 credit cards a year so hard inquiries and average age hurt us slightly

 

[BarkingGhostar]

Mine always fluctuates from the maximum value to about 3 points below the max.

I'm completely faking it, though.

 

[deadlyapp]

I'm 780 Fico right now through TransUnion, down a bit after purchasing a new car and a bit higher revolving utilization on my cards since Christmas. Should be back above 800 in the next month or two once I go through a cycle or two.

 

[BurnItDwn]

 

[BW86]

799

 

[Pohemi]

I hadn't looked at mine in a number of years...it showed " - " and explained there was no data, lol.

In some cases, no history is worse than poor history, but I don't care much these days.

 

[Ajay]

Not bad for being out of work for a few years (health issues). Oddly, it's says I have only 17 years of credit history (I wish).
Fortunately, my wife has a very solid job (Title 1 supervisor in an elementary school).

 

[Red Squirrel]

Yeah no data tends to not be good, but it's easy enough to get some by getting a basic credit card. I got my first CC at 18, limit was like $500 if I recall. It was enough to pay for web hosting and domain registration and other online stuff. I always used credit from that point and always paid on time so probably why my score is so high now days. I use credit regularly but also pay it off. Though I always wondered if paying it off too soon (that I never pay interest) was bad or not. Probably not given where I'm at. At the end of the day it's just a number though, I don't think anything over 750 matters much as far as being able to get good rates etc.