What's your credit score? Mines is_______

[MeanMeosh]

727

 

[IamElectro]

Originally posted by: mztykal

Originally posted by: Nocturnal

Originally posted by: Syringer
What's the max that you can get?

800 or 900... I can't recall. I'm sure someone here knows.

800 I think...

I worked in a GE Capital call center for a while several years ago and if my memory serves me 800 was max but on occassion you would see an 803-804 and this was premo A++..

 

[IamElectro]

Originally posted by: Millennium

Originally posted by: Jadow
people, being in the 600's is not a good thing. The national average is like 720.

No it isn't. It means that less than 50% of people have worse or better than a 720. A 720 gets you really whatever you want. Being in the 600's is NOT bad if you have less than 5 years of credit history. How do you expect someone to have higher than a 720 with two years credit history? How long is your credit history?

See this. Even if you are in the mid 600's you are NOT that high of a risk.

When I worked for GE Capitol I would say the average score we saw was around 650. 720 seems alittle high for the national average.

 

[Marauder-]

Man - this makes me want to find mine out again. Although since I made a few huge payments to my card this month, i'm sure it wont show up for another 2-3 months and not to mention that the credit will take more time to heal in the following months.

 

[kt]

Originally posted by: IamElectro

Originally posted by: Millennium

Originally posted by: Jadow
people, being in the 600's is not a good thing. The national average is like 720.

No it isn't. It means that less than 50% of people have worse or better than a 720. A 720 gets you really whatever you want. Being in the 600's is NOT bad if you have less than 5 years of credit history. How do you expect someone to have higher than a 720 with two years credit history? How long is your credit history?

See this. Even if you are in the mid 600's you are NOT that high of a risk.

When I worked for GE Capitol I would say the average score we saw was around 650. 720 seems alittle high for the national average.

He probably got confused. The 720 national average is based on all the applicants applying for loans. That explains the high average because those with low score know they won't be able to get a loan and don't even bother to apply.

As far as I know, the score range from 300-850. I wonder if I've reached 800 yet.. last I checked mine was at 790.

 

[catnap1972]

Mine was 756 on Equifax earlier in the week...probably lost a couple of points applying for the Corvette card (which I got a $3500 limit on), but at least I can say adios to Crapital One :beer::beer:

 

[RossMAN]

Originally posted by: Marauder-
Man - this makes me want to find mine out again. Although since I made a few huge payments to my card this month, i'm sure it wont show up for another 2-3 months and not to mention that the credit will take more time to heal in the following months.

Correct, most credit bureau's take around 2 months to update their tapes.

 

[Red]

638, age 20. 3 maxed out credit cards ($4000 total) ... paid off a 3,500 engagement ring over 12 months, have a $17k car loan, uhhhhg I'm gonna get out of debt. My score should be 730ish (according to "what-if" emulator) once my 4k in credit cards are paid down.

 

[RDWYTruckDriver]

How Your Credit Score Is Determined:

1. Payment History: Approximately 35% of your score.
2. Amounts Owed: About 30% of your score.
3. Length of Credit History: About 15% of your score.
4. Pattern of Credit Use: About 10% of your score.
5. Types of Credit in Use: About 10% of your score.


Credit Score Guidelines

650 and Above

In general, a score of 650 or above indicates a very good credit history. People with these scores will usually find the loan process quick and easy, and will have a good chance to obtain a loan at a relatively low rate of interest.

620 to 650

Scores between 620 and 650 indicate basically good credit. (Average FICO scores fall into this range.) People with scores in this range have a good chance at a loan at a good rate, but may have to provide additional documentation and explanations to the lender before the loan is approved.

Below 620

A score below 620 may prevent a borrower from getting the best interest rates, as they may be considered a greater credit risk-but it does not mean that mortgage funding can't be found.

From link

 

[Zugzwang152]

I'm curious as to what mine is. My credit history is only ~2 years now. I want to find a good cash back Visa/MC and I'm debating on an AmEx for Costco.

 

[RDWYTruckDriver]

Well, I'm in another rebuilding faze of my current credit history ( result from off work due to illness ). I have about 6 entry's that show accounts still not being paid even though they were paid over 2yrs ago. I'm going to hire this local company to help me challenge these bad marks and get them updated to show paid.


Here's the local company in the Oregon area:

Credit Team

 

[420break]

692 and rising...

 

[conjur]

After today...probably -1000 or something.

 

[edro]

739, was about 2 years ago, and I have only had good credit since then.... so it should be around there still.

 

[DurocShark]

Did a background check for a job, and got to see my scores (and report) from all 3 bureaus... It's called a trimerge.

Trans Union 495
Equifax 505
Experian 535

My credit sucks after having been unemployed for so long... All my cards went into collections or chargeoffs, and haven't had an auto loan in like 10 years.

But, since my middle score is over 500, I can still get a mortgage! Of course, that would be at like 14%... LoL

 

[LostHiWay]

742

 

[EXman]

I have 805

how that is a seriously HUGE score... I saw credit reports all the time when i sold cars and the only one I saw that was 18 had 18 pages of info and 300,000 in paid loans and not home loans.

heck last time I checked I was 680 my wife was 720's

mine probably has gone down my shrink turned my $200 balance over to collection cause I refused to pay on principle. She Fell asleep during our last 2 sessions. I guess I am that boring. so now it says a $450 collection and I told the company they will never see a cent.
Fock her.

 

[Descartes]

Mine has fluctuated, but I was nearing 700 last I checked. I have a ding on my report from a company I can't even locate, and I haven't been able to get it expunged as of yet. I also had a utility bill go to collections when I had roommates when I was about 18 (23 now).

I'm just tired of not qualifying for premium rates. I haven't been late on a single car payment, house payment, credit card payment, or anything in 4 years (didn't have much credit before then). I make good money and I've been on the job for 3 years. When do I get my respect from these fascist credit companies?

 

[Descartes]

Originally posted by: EXman

I have 805

how that is a seriously HUGE score... I saw credit reports all the time when i sold cars and the only one I saw that was 18 had 18 pages of info and 300,000 in paid loans and not home loans.

heck last time I checked I was 680 my wife was 720's

mine probably has gone down my shrink turned my $200 balance over to collection cause I refused to pay on principle. She Fell asleep during our last 2 sessions. I guess I am that boring. so now it says a $450 collection and I told the company they will never see a cent.
Fock her.

It's in your best interest (pun intended ) to get that resolved. You're only hurting yourself by not paying. If you contested the bill you can almost certainly get it expunged from your report. I'd protest it!

 

[boyRacer]

760

 

[optoman]

6 months ago I was around 690, should of gone up since I have paid off a lot of credit card debt. My wife was around 760.

 

[Freejack2]

0

 

[V00DOO]

780

 

[spliffstar69]

347

Thats what I get for buying everything on CC plus 2 boats 3 Cars and 1 Home and not paying for them.

 

[Toasthead]

723....wife 752 (yay wife!)