Only if they pull a tri-merge. Many lenders only pull one, except for places like Capital One. If that is the case, they use the score of the CRA in which they pulled.
Only if they pull a tri-merge. Many lenders only pull one, except for places like Capital One. If that is the case, they use the score of the CRA in which they pulled.
yes but it's b.s. i'm 23 and have a 772 and it's only because i'm listed on my dad's credit card and his history is on my report. i have an impeccable credit even by myself, but not enough history to justify my high score. i'm willing to bet you're the same.
btw, the card that is on my credit report is listed as having been opened in 1980, yet i was born in 1982. muahahaha.
=|
I had a customer the other day, who had an 815 Experian score.
This dude had over $250,000 in revolving credit lines, in about 20 accounts, with $249,000 available and several paid off mortgages. :shocked:
I didn't think you could have that many credit cards.
This dude had over $250,000 in revolving credit lines, in about 20 accounts, with $249,000 available and several paid off mortgages. :shocked:
I didn't think you could have that many credit cards.
Actually because of the error that i had in the report, i was denied a school private loan because they only check Transunion (which had the lowest score at the time). Now that its up the loan company told me not to re-apply but once they a new copy of the report they will contact me, otherwise they will use the same report because they keep it for a month.
Gunslinger08
Lifer
- Nov 18, 2001
- 13,234
- 2
- 81
798 here...
Main reason is because when I was 18 I financed and cosigned a new car with my dad and paid everything on time (and got the lowest rate on that car at that time, 3.9%). I don't have to finance cars anymore, but I do anyway just because I get the lowest rates (0%, 1.9%, etc) and it's awesome for building credit.
Main reason is because when I was 18 I financed and cosigned a new car with my dad and paid everything on time (and got the lowest rate on that car at that time, 3.9%). I don't have to finance cars anymore, but I do anyway just because I get the lowest rates (0%, 1.9%, etc) and it's awesome for building credit.
740, 760, 780 are my three scores.
I'm thinking they're high because my Dad got me a credit card when I was 16, and I just put gas on it for my car. Then we just made sure it was paid off every month.
EDIT: I've also never had a loan in my life... 24 now.
I'm thinking they're high because my Dad got me a credit card when I was 16, and I just put gas on it for my car. Then we just made sure it was paid off every month.
EDIT: I've also never had a loan in my life... 24 now.
iversonyin
Diamond Member
- Aug 12, 2004
- 3,303
- 0
- 76
I signed up for the 30 day free trial scorewatch at myfico and cancelled the trial after a day...
Vic
Elite Member
- Jun 12, 2001
- 50,422
- 14,337
- 136
According to Fair Isaac Co. (FICO), 58% of US consumers have a score of 700 or better. 85% have 600 or better. Only 15% have a score below 600 (which would constitute poor credit). Only 15% have credit card debt of $10,000 or more.
Contrary to what people with "damaged" or "bruised" credit believe, if you have bad credit, you are in the minority. Hell, roughly 60% of US consumers have never missed a single payment in their lifetime. Almost half of all consumers carry little to no debt beyond their home mortgages, not even car loans. The fact is MOST people got good credit.
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I wrote a letter to the Loan company and also started a investigation with both transunion and Equifax. Here we are almost a month later and got a letter response saying that they had removed the item and reported to the agencies and they would put "paid as agreed"
got it from myfico.com, I cant post coupons here but do a search for myfico coupons and you can get 10% off.
So where does the stigma that US consumers are drowning in massive amounts of debt come from? Is it just a bunch of defeatist foney bologna?
<tinfoil hat>
Making people believe that debt is OK leads to increased spending, which stimulates the economy, which makes people vote Republican!
</tinfoil hat>
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