Who's got the best FICO Score?

[pinion9]

Originally posted by: PaulNEPats
Authorized users have to be 18 and over

Ummm..no. I had a credit card when I was 16.

 

[MikeyIs4Dcats]

Originally posted by: axelfox
851.

I'll need your SS to confirm your score, though.

Originally posted by: FoBoT
mine is 999

if copy that URL into my browser, what do you think will happen?

SHENS. FICO stops at 850.

 

[Daaavo]

Originally posted by: MikeyIs4Dcats

Originally posted by: axelfox
851.

I'll need your SS to confirm your score, though.

Originally posted by: FoBoT
mine is 999

if copy that URL into my browser, what do you think will happen?

SHENS. FICO stops at 850.

Strange, because I ran my yearly credit check last month through TransUnion and it said my credit score was 871.

Is your FICO score different from your credit score?

 

[waggy]

hmm the OP's father gets CC in his name BEFORE he is born. couldnt that be fraud?

and i really do not beleive it anyway.

 

[Aimster]

My dad got me a credit card when I was 15 or 16.

Of course I didn't use it and he did.

 

[Electric Amish]

It is not me.

 

[Toasthead]

Originally posted by: waggy
hmm the OP's father gets CC in his name BEFORE he is born. couldnt that be fraud?

and i really do not beleive it anyway.

They added me to a card THEY opened in 1971. they didnt get me my own card.

 

[jlbenedict]

Originally posted by: slsmnaz

Originally posted by: Toasthead

Originally posted by: slsmnaz
Not really concerned w/ the number after a certain point. Buy a house, car and carry a few CC w/ nice limits and check back in 6 months. We will then have an accurate idea of your real score.

Better yet, go get a pre-approval for a home loan and tell us how much it's for. That will give everyone a more accurate idea of your worth.

Own a 500K home (granted the loan is only 100k, paid a boatload of cash down), bought a new 2002 Accord SE (thanks RossMan ) and have several CCs with total line of credit at about 24000. Also have a HELOC of 280,000. All of these are the reason for the score.

Then your self-confidence score must be negative to have to come brag like this.

Low self-confidence score FTW!

On another note.. this post just screams.. "Hey.. look at me.. I'm a loser, but I own a $500k house"..

Big, whipdee fvcking doo.. You wanna get into a bragging contest! Well fvck..

I live in my uncle-in-laws basement.. I pay $200 / month rent... we have well water.. currently, the well is almost fvcking dry.. we are waiting for the pressure to build up now so I can shower tonight..
I have two auto loans.. currently @ 17.9% and 19.9% interest. One of the vehicles I'm way the fvck upside-down on the loan..
Had a job loss back in late 2002, so my credit went to $hit..
Have about $20,000 worth of charge-offs/write-offs..
Just recently got approved for a whopping $300 gas card from Chevron last month.. so, hot damn!

But, despite all the negative crap, I still have the love from my wife. A $500k house and an Accord SE will never replace that.

You seem like one of those snooty type that think they are better than everyone else, and everyone should drop and worship the ground you walk on.. you know.. the type of people that brag about how much their home costs, what cars they have, etc.. etc..

 

[ultimatebob]

Originally posted by: jlbenedict

Originally posted by: slsmnaz

Originally posted by: Toasthead

Originally posted by: slsmnaz
Not really concerned w/ the number after a certain point. Buy a house, car and carry a few CC w/ nice limits and check back in 6 months. We will then have an accurate idea of your real score.

Better yet, go get a pre-approval for a home loan and tell us how much it's for. That will give everyone a more accurate idea of your worth.

Own a 500K home (granted the loan is only 100k, paid a boatload of cash down), bought a new 2002 Accord SE (thanks RossMan ) and have several CCs with total line of credit at about 24000. Also have a HELOC of 280,000. All of these are the reason for the score.

Then your self-confidence score must be negative to have to come brag like this.

Low self-confidence score FTW!

On another note.. this post just screams.. "Hey.. look at me.. I'm a loser, but I own a $500k house"..

Big, whipdee fvcking doo.. You wanna get into a bragging contest! Well fvck..

I live in my uncle-in-laws basement.. I pay $200 / month rent... we have well water.. currently, the well is almost fvcking dry.. we are waiting for the pressure to build up now so I can shower tonight..
I have two auto loans.. currently @ 17.9% and 19.9% interest. One of the vehicles I'm way the fvck upside-down on the loan..
Had a job loss back in late 2002, so my credit went to $hit..
Have about $20,000 worth of charge-offs/write-offs..
Just recently got approved for a whopping $300 gas card from Chevron last month.. so, hot damn!

But, despite all the negative crap, I still have the love from my wife. A $500k house and an Accord SE will never replace that.

You seem like one of those snooty type that think they are better than everyone else, and everyone should drop and worship the ground you walk on.. you know.. the type of people that brag about how much their home costs, what cars they have, etc.. etc..

Now THAT is a FICO score I'd want to see. FairIssac is pretty secretive about how they calculate credit scores, so I'd love to know how all those negatives would impact your credit score.

By the way, I'm friggin jealous about the $200 a month rent. I could hardly rent a storage shed for that around here!

 

[PhoenixOrion]

last month checked thru equifax:

me - 725

wife - 779

but i make 4 times more than she does so it evens out

 

[SampSon]

It was around 800 last time it was checked when I went for another mortgage on an investment property.

 

[Taggart]

Originally posted by: jlbenedict

Low self-confidence score FTW!

On another note.. this post just screams.. "Hey.. look at me.. I'm a loser, but I own a $500k house"..

Big, whipdee fvcking doo.. You wanna get into a bragging contest! Well fvck..

I live in my uncle-in-laws basement.. I pay $200 / month rent... we have well water.. currently, the well is almost fvcking dry.. we are waiting for the pressure to build up now so I can shower tonight..
I have two auto loans.. currently @ 17.9% and 19.9% interest. One of the vehicles I'm way the fvck upside-down on the loan..
Had a job loss back in late 2002, so my credit went to $hit..
Have about $20,000 worth of charge-offs/write-offs..
Just recently got approved for a whopping $300 gas card from Chevron last month.. so, hot damn!

But, despite all the negative crap, I still have the love from my wife. A $500k house and an Accord SE will never replace that.

You seem like one of those snooty type that think they are better than everyone else, and everyone should drop and worship the ground you walk on.. you know.. the type of people that brag about how much their home costs, what cars they have, etc.. etc..

OP has been OWNED :laugh:

 

[IBuyUFO]

Mine is 666

 

[dethman]

one billion. i win.

 

[jlbenedict]

Originally posted by: ultimatebob

Originally posted by: jlbenedict

Originally posted by: slsmnaz

Originally posted by: Toasthead

Originally posted by: slsmnaz
Not really concerned w/ the number after a certain point. Buy a house, car and carry a few CC w/ nice limits and check back in 6 months. We will then have an accurate idea of your real score.

Better yet, go get a pre-approval for a home loan and tell us how much it's for. That will give everyone a more accurate idea of your worth.

Own a 500K home (granted the loan is only 100k, paid a boatload of cash down), bought a new 2002 Accord SE (thanks RossMan ) and have several CCs with total line of credit at about 24000. Also have a HELOC of 280,000. All of these are the reason for the score.

Then your self-confidence score must be negative to have to come brag like this.

Low self-confidence score FTW!

On another note.. this post just screams.. "Hey.. look at me.. I'm a loser, but I own a $500k house"..

Big, whipdee fvcking doo.. You wanna get into a bragging contest! Well fvck..

I live in my uncle-in-laws basement.. I pay $200 / month rent... we have well water.. currently, the well is almost fvcking dry.. we are waiting for the pressure to build up now so I can shower tonight..
I have two auto loans.. currently @ 17.9% and 19.9% interest. One of the vehicles I'm way the fvck upside-down on the loan..
Had a job loss back in late 2002, so my credit went to $hit..
Have about $20,000 worth of charge-offs/write-offs..
Just recently got approved for a whopping $300 gas card from Chevron last month.. so, hot damn!

But, despite all the negative crap, I still have the love from my wife. A $500k house and an Accord SE will never replace that.

You seem like one of those snooty type that think they are better than everyone else, and everyone should drop and worship the ground you walk on.. you know.. the type of people that brag about how much their home costs, what cars they have, etc.. etc..

Now THAT is a FICO score I'd want to see. FairIssac is pretty secretive about how they calculate credit scores, so I'd love to know how all those negatives would impact your credit score.

By the way, I'm friggin jealous about the $200 a month rent. I could hardly rent a storage shed for that around here!

The last time I checked, I believe I was in the 550'ish range

Doesn't bother me too much.. I'll get it back up there eventually... It takes years to build up good credit.. It can go to hell with just one life changing event. A little bit of bad luck gives those creditors the impression that I'm scum of the earth, but the reality is, they don't have a clue or know even half the story.

 

[EyeMWing]

Originally posted by: jlbenedict

Originally posted by: slsmnaz

Originally posted by: Toasthead

Originally posted by: slsmnaz
Not really concerned w/ the number after a certain point. Buy a house, car and carry a few CC w/ nice limits and check back in 6 months. We will then have an accurate idea of your real score.

Better yet, go get a pre-approval for a home loan and tell us how much it's for. That will give everyone a more accurate idea of your worth.

Own a 500K home (granted the loan is only 100k, paid a boatload of cash down), bought a new 2002 Accord SE (thanks RossMan ) and have several CCs with total line of credit at about 24000. Also have a HELOC of 280,000. All of these are the reason for the score.

Then your self-confidence score must be negative to have to come brag like this.

Low self-confidence score FTW!

On another note.. this post just screams.. "Hey.. look at me.. I'm a loser, but I own a $500k house"..

Big, whipdee fvcking doo.. You wanna get into a bragging contest! Well fvck..

I live in my uncle-in-laws basement.. I pay $200 / month rent... we have well water.. currently, the well is almost fvcking dry.. we are waiting for the pressure to build up now so I can shower tonight..
I have two auto loans.. currently @ 17.9% and 19.9% interest. One of the vehicles I'm way the fvck upside-down on the loan..
Had a job loss back in late 2002, so my credit went to $hit..
Have about $20,000 worth of charge-offs/write-offs..
Just recently got approved for a whopping $300 gas card from Chevron last month.. so, hot damn!

But, despite all the negative crap, I still have the love from my wife. A $500k house and an Accord SE will never replace that.

You seem like one of those snooty type that think they are better than everyone else, and everyone should drop and worship the ground you walk on.. you know.. the type of people that brag about how much their home costs, what cars they have, etc.. etc..

Damn straight!

 

[mugs]

Originally posted by: Daaavo
Strange, because I ran my yearly credit check last month through TransUnion and it said my credit score was 871.

Is your FICO score different from your credit score?

A FICO score is ONE type of credit score, but not the only type.

 

[TheSiege]

752 and im 24 and have NO credit cards

 

[chambersc]

said it once, i'll say it again.

Anything NOT from myfico.com is a "FAKO" and is PURELY for e-penis points since it isn't your true Fico score.

 

[Rubycon]

This defines quality of life how?

I don't have a score. Not even in the system. I get paid once a month in cash - have no bills, nada, zero, zip. Pay no taxes. All legal. Have the time of my life and make new friends every day. Modern technology and a nice friend makes this very post possible. Can you top that?

:laugh:

 

[slsmnaz]

Originally posted by: TheSiege
752 and im 24 and have NO credit cards

I thought it was 820???

 

[TheSiege]

Originally posted by: slsmnaz

Originally posted by: TheSiege
752 and im 24 and have NO credit cards

I thought it was 820???

it was until i realized i was look at an old score that wasnt even from fico, then i went to myfico.com

damn how you remembered that i have no idea

 

[slsmnaz]

Originally posted by: TheSiege

Originally posted by: slsmnaz

Originally posted by: TheSiege
752 and im 24 and have NO credit cards

I thought it was 820???

it was until i realized i was look at an old score that wasnt even from fico, then i went to myfico.com

damn how you remembered that i have no idea

No one forgets. Plus it was as funny watching your story change then as it is now!

 

[Squisher]

Before I bought this house a year ago, mine was 799 and the wife's was 815. Now my mortgage went from $65K@15yrs. to $180K@30yrs.

I wonder how this affected my credit score?

 

[Skeeedunt]

Originally posted by: chambersc
said it once, i'll say it again.

Anything NOT from myfico.com is a "FAKO" and is PURELY for e-penis points since it isn't your true Fico score.

Are you just talking about the ones that say "credit score" but not "FICO"?

I just got one through Equifax and it says FICO® FICO® FICO® all over it, and they said it's a FICO score, are you saying that's not legit either?

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