What's your credit score (covert brag thread)

[skyking]

I unfroze Transunion yesterday to buy the wife's new car. I wrote a check for it, but they still run a bureau. It was 810.

 

[highland145]

I unfroze Transunion yesterday to buy the wife's new car. I wrote a check for it, but they still run a bureau. It was 810.

That is irritating. 1 hard inquiry is no big deal but still.

 

[Hans Gruber]

I unfroze Transunion yesterday to buy the wife's new car. I wrote a check for it, but they still run a bureau. It was 810.

Car dealers do not run credit on people who pay cash for a vehicle. Who writes checks in this day and age for a car? It's called a wire transfer. Car dealer credit scores are different from your regular FICO score. If you have had any car loan in the past and paid it off in full. Your car dealership credit score will be higher.

 

[ponyo]

Car dealers do not run credit on people who pay cash for a vehicle. Who writes checks in this day and age for a car? It's called a wire transfer. Car dealer credit scores are different from your regular FICO score. If you have had any car loan in the past and paid it off in full. Your car dealership credit score will be higher.

They do run credit check on people who pay cash without telling you. At least the dishonest ones. And there are lot of dishonest dealerships out there. And I still write checks for big purchases like a car.

You can view your own credit score even if your credit is frozen but car dealers can't run credit check if you keep your credit frozen. I would've kept my credit frozen and wrote them the check for the car.

 

[Hans Gruber]

They do run credit check on people who pay cash without telling you. At least the dishonest ones. And there are lot of dishonest dealerships out there. And I still write checks for big purchases like a car.

You can view your own credit score even if your credit is frozen but car dealers can't run credit check if you keep your credit frozen. I would've kept my credit frozen and wrote them the check for the car.

They can't run your credit unless you give them your SSN. Why would anybody who is not financing their car do that? A hard credit pull does not help your credit score. The only reason a car dealer would try to do this is because they don't think you can afford to pay cash for a vehicle and want to make certain they are not letting the vehicle off the lot with someone who has bad or poor credit. Either way, that is not a good business practice.

 

[ponyo]

They can't run your credit unless you give them your SSN. Why would anybody who is not financing their car do that? A hard credit pull does not help your credit score. The only reason a car dealer would try to do this is because they don't think you can afford to pay cash for a vehicle and want to make certain they are not letting the vehicle off the lot with someone who has bad or poor credit. Either way, that is not a good business practice.

People shouldn't give them their SSN if they're not financing. But many give without thinking when asked. And these dishonest dealers will run credit checks behind your back.

 

[skyking]

Hans Gruber you don't know your ass from a hole in the ground. I've written checks for several cars. Do you know the dealer rules in Washington State,.? Yeah I didn't think so.
You never did answer my question over in the politics forum either. Why don't you try keeping up.

 

[deadlyapp]

Simply put, because skyking paid with a check, and he wanted to take the vehicle, then they required the credit check. If he had left the check and let it clear before taking the vehicle, I'm sure that they would not have required a credit pull.

 

[skyking]

Bingo and it was a Sunday on top of that. There's a lot of fraud flying around out there.
I find it funny that people think I sacrificed my first born child by giving away my precious social security number. That's why we froze our credit many years ago. We didn't need to use it we didn't need anybody else using it either.

 

[highland145]

Bingo and it was a Sunday on top of that. There's a lot of fraud flying around out there.
I find it funny that people think I sacrificed my first born child by giving away my precious social security number. That's why we froze our credit many years ago. We didn't need to use it we didn't need anybody else using it either.

Cost you 4 points in the short run. Doubt you can survive that....

 

[StinkyPinky]

My FICO score is 783. I'd like to get it to 800, I don't think you need higher than that.

 

[highland145]

My FICO score is 783. I'd like to get it to 800, I don't think you need higher than that.

Uh,783 is fine.

 

[Svnla]

My FICO score is 783. I'd like to get it to 800, I don't think you need higher than that.

FICO score range:

800 - 850 = exceptional (21% consumers)
740 - 799 = very good (25%)
670 - 739 = good (21%)
580 - 669 = fair (17%)
300 - 579 = very poor (16%)

Mine is in the low 800's FICO because I don't have a "current" mortgage or car note. If you are in the mid 700's range, keep do what you have been doing, no need to sweat the small stuffs.

 

[Bitek]

If you already have good credit this one isn't as bad as you'd think. When we bought our house my mortgage company was 9 months late reporting this to the credit bureaus. Being 9 months later I thought I was fine to get a car loan. And open 2 new credit cards. Well those all ended up hitting the same month. I went from 804 to 755. But 2-3 months later everything had recovered.

Pretty much what I recently did buying a bunch of big stuff.

Don't worry about it much as that's why I had top credit in the first place, so it was there when I needed it. Opened a card with long term zero interest and reward points, paid for the jobs with it, and held the payoff cash in low risk investments until intro rate was close to expiring.

Now it's all paid off and we'll see how long it takes to go back up.

Edit: Checked it. Back over 800 within two weeks.

 

[Muse]

View attachment 38657

So, never heard of Transunion. I hit their site now and they want me to register... personal info, DOB, last 4 of SS#, etc. Then they want me to enter a credit card number, security code. WTF do they want that???????? Instead of entering that I closed the tab.

 

[snoopy7548]

Uh,783 is fine.

Heck, 300 is fine with you! The lower the better, right?

 

[IronWing]

Car dealers do not run credit on people who pay cash for a vehicle. Who writes checks in this day and age for a car? It's called a wire transfer. Car dealer credit scores are different from your regular FICO score. If you have had any car loan in the past and paid it off in full. Your car dealership credit score will be higher.

I can write a check for about $0.15 when you factor in the cost of checks and the postage to ship the checks to me. Wire transfer? $25.00 transfer fee. F' that. Every car I've ever bought was by personal check or plain old cash.

 

[highland145]

Heck, 300 is fine with you! The lower the better, right?

Ha, I rarely lend under a 500 but the score, itself, isn't that big of a deal. Medical collections will tank it and I don't care if peeps pay their Dr. Credit cards, either. Local loans, autos and the like.

 

[deadlyapp]

So, never heard of Transunion. I hit their site now and they want me to register... personal info, DOB, last 4 of SS#, etc. Then they want me to enter a credit card number, security code. WTF do they want that???????? Instead of entering that I closed the tab.

just go to annualcreditreport.com and you can pull all three reporting agencies once a year. Yes they will need all your personal info but they should never need a credit card number.

Most everyone here is using the score provided by their credit card - nearly ever credit card now offers free credit scores and some even monitoring (eg Chase has their "Credit Journey" and it notifies nearly immediately if a new credit line is opened).

Here are the accounts I know of and a good comparison of scoring, some of the reporting periods vary, so there will sometimes be some difference there.

Discover : TransUnion(Shows 780)
Chase: Experian Fico (Shows 740)
Amex: TransUnion (Shows 740) - Vantage Score
Bank of America : TransUnion
Citibank: Equifax (Shows 775)

 

[BurnItDwn]

So, never heard of Transunion. I hit their site now and they want me to register... personal info, DOB, last 4 of SS#, etc. Then they want me to enter a credit card number, security code. WTF do they want that???????? Instead of entering that I closed the tab.

Yea, I checked it from my BOA account. Deadlyapp more or less figured it out

 

[Fenixgoon]

788 😎

 

[Red Squirrel]

So, never heard of Transunion. I hit their site now and they want me to register... personal info, DOB, last 4 of SS#, etc. Then they want me to enter a credit card number, security code. WTF do they want that???????? Instead of entering that I closed the tab.

I just went through Kredit Karma, it's free. I think they will update the score once a year or something like that but you can go any time to see it.

 

[Muse]

just go to annualcreditreport.com and you can pull all three reporting agencies once a year. Yes they will need all your personal info but they should never need a credit card number.

Most everyone here is using the score provided by their credit card - nearly ever credit card now offers free credit scores and some even monitoring (eg Chase has their "Credit Journey" and it notifies nearly immediately if a new credit line is opened).

Here are the accounts I know of and a good comparison of scoring, some of the reporting periods vary, so there will sometimes be some difference there.

Discover : TransUnion(Shows 780)
Chase: Experian Fico (Shows 740)
Amex: TransUnion (Shows 740) - Vantage Score
Bank of America : TransUnion
Citibank: Equifax (Shows 775)

Well, I filled out the online questions at Transunion except for the credit card. Today I got an email from them, I hit the link and it wants me to sign up for a monthly credit thing at ~$25/month! Squirrely, is my feeling.

 

[Muse]

so, I go to annualcreditreport.com, pick Transunion only, fill out everything, tweak my NOSCRIPT settings to trust everything BUT doubleclick.com and click [CONTINUE] and nothing happens. Using up to date Chrome on Windows 10. Bah. I'm always around 800 when I bother to notice my CS. I have an interest free loan of $27K on my house that I don't pay off because, zero interest.

 

[deadlyapp]

so, I go to annualcreditreport.com, pick Transunion only, fill out everything, tweak my NOSCRIPT settings to trust everything BUT doubleclick.com and click [CONTINUE] and nothing happens. Using up to date Chrome on Windows 10. Bah. I'm always around 800 when I bother to notice my CS. I have an interest free loan of $27K on my house that I don't pay off because, zero interest.

You really just need to turn off all possible script blocking. It's been a little while since I've pulled mine from there, but I seem to recall they ran the requests in a frame, so it can get very upset if you block anything