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Woohoo 709 Score

When I type my info in, it says it cannot find anything. I'm 18, never had a loan, never had a credit card, I've never done anything that deserves a credit score. Ah well...
 
Originally posted by: OrByte
Originally posted by: jjsole
798. 😛
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I hate you.

ohwaitaminuteitakeitback......


will you marry me?? :gift:😀:gift:
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No, but I'll take care of you and pay all your bills. /yourwetdream 😛

Originally posted by: Jnetty99
Originally posted by: jjsole
798. 😛
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which reporting company?
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Equifax. My score was around yours about a year ago, but this year I paid off 1/2 my debt and a collections from 2001 went off my record, and it went up to 798. I was pumped. 🙂
 
Originally posted by: mjuszczak
Originally posted by: rudder
SHENS.... pm me your social security number and address so I can verify.
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Is that FAKO or FICO. What is your source.
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I was just gonna see how many credit cards I could get in his name. 10 or more would cancel the SHENS, 6-9 I would still have my doubts, 0-5 means I was right.
 
Originally posted by: z0mb13
My 782 avg score pwns ur puny 709 score

😛😀
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I think I need more credit history to achieve higher scores. All my reports say.
"the amount of time of credit history is very short" or something like that.
I have 7 years since my first CC.
 
I think a lot of people don't realize that most credit card bills can be setup to make the minimum payment automatically from your bank account, so as long as the user always has the money to make the minimum, they'll never be late again.

And they can always pay more than the minimum anytime they want as well.
 
Originally posted by: RossMAN
My TransUnion just jumped 1 from 779 to 780.

I'll never reach 800 🙁
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It doesn't matter once your middle score is consistently above 720.

800 is just bragging rights. If it makes you feel any better, my middle score has never been over 800 either (last pull was 780 something). I've never missed a payment ever, so I think it's because I have virtually no debt.
 
I got a 780 from Equifax, on the report it said only negative was I opened a new account recently (at home depot).
 
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