The latter. I should be building my credit, but I havent got around to it. Oh well.Originally Posted by shagwAg3n
i think kyle has shitty or no credit....repped!
Where is my +1 George?hahahahaha +1
thats right hoolood nunyagotdamnbiznass BITCH
Oh and page 3 is mine.
Last edited by Kyle; 04-03-2007 at 05:59 PM.
***Lotus Elise***
BlackWatchRacing/Sector111/Larini Exhausts/Difflow Diffusers/Classic Livery of Atlanta Paint/APR Performance
I'm 19. I have no plans on buying a house for a good while. All the money that I earn at work goes into my bank account instead of spending it on stupid pointless crap. If I can't pay cash for it, I won't buy it. When I DO buy a house, I plan to pay in full cash. Until then, I won't be buying a house. Yes, it is possible, I know several people that have done the same thing.A. How old are you?
B. Good luck buying a house with no credit history.
#1. You should've called me about your Refi......
#2. That is exactly right.
Most of the "free" credit report sites you see advertised are not free at all. Some even have a condition of you changing your phone service before they'll send you a copy of your credit report.
#1. You are entitled to a copy of your credit report FREE from each of the repositories (Equifax, TransUnion, and Experian) once a year and/or anytime you are denied credit.
#2. I wrote a thread that will answer most questions people have concerning scores here: Info on Credit Scores
#3. As I said in the thread I started, scores are tricky little boogers because each repository uses a different formula to get their score. This is why we all have 3 different ones. I have yet to see 3 identical scores. I imagine it's possible, but since they all use different criteria I'd imagine the probability is highly unlikely.
#4. If anyone cares, the toll free numbers and websites to each of the repositories are:
Equifax 800-685-1111 www.equifax.com
TransUnion 800-888-4213 www.transunion.com
Experian (formerly TRW) 888-397-3742 www.experian.com
Most of them you can request your credit report online. I know you can dispute anything online, but you have to have a copy of THEIR report in front of you to do so (it's because they find everything by the report # they assign it when they print you one out).
Any questions? Ask away....
B. Good luck buying a house with no credit history.
~whispers to Ruiner~ It can be done bud.
783, great credit and worked damn hard for it
im thinking of a number can you guess what it is? its 720
i got a call from 2 credit card companies today. Does that answer your?. I was on a roll though. paid a 9k civic off. paid my 25k truck off. paid sevarl cards off every month. then i got my hours cut in half. and im trying to catch up. oh and they cut it right after i saved up and spent it all in florida for vacation. wtf. so yeah. im sure mine is goin down hill. anybody know bout consolidation companies>>??
:boobies:
Shooting mutha fuckahs in the face and gettin paid.
Interesting approach.
There are reasons people make payments. I am not going to waste my effort explaining it to you because I dont understand you and dont think you will change even if I tell you.
***Lotus Elise***
BlackWatchRacing/Sector111/Larini Exhausts/Difflow Diffusers/Classic Livery of Atlanta Paint/APR Performance
mines was avg 790 (one of them was over 800), (checked 3 months ago, with a house mortgage preapproval/financing company) and they prequalified me for a house 200-220k (depends on how the dude changed the numbers around or something) and like 6 point something percent interest, which wasn't bad on my own income at age 19
I have a question for jamiecbr and those of you who do that financing shit... is it true that black people automatically get lower credit scores? lolol bc something must be up.
Lower credit scores..No, but higher interest rates. yes
are you joking or serious, bc i was kidding
that would be some LOL shit hahah (because i'm not black)
if i was black i'd be like
...hrm wait a minute that is black people....
damn finally i understand them
Do you live at home?
Do you go to college?
Have you had to deal with the "real world" yet in terms of providing for yourself?
Even if you save $20k a year, it will take you 10 years to buy a $200k house. In 10 years, trust me, $200k won't buy you much in terms of a house. With that said, I can't forsee you saving $20k a year once you get out on your own (if you aren't already).
AIM: RuinerTT
2005 Nissan Pathfinder LE
Almost anything can be done, but certain things aren't suggested above others...~whispers to Ruiner~ It can be done bud.
AIM: RuinerTT
2005 Nissan Pathfinder LE
Shhhhh, nobody cares about tax deductions.Interesting approach.
There are reasons people make payments. I am not going to waste my effort explaining it to you because I dont understand you and dont think you will change even if I tell you.
AIM: RuinerTT
2005 Nissan Pathfinder LE
We have a few "liars" here as well. Sad, really. Why lie? Does it make you a bigger man on the internet?
AIM: RuinerTT
2005 Nissan Pathfinder LE
hahahah I'm 18.... my credit is 669.. my dad told me the best way to build your credit .. Buy your girl jewerly but pay on it.. don't flat out buy it.. the report every month and it looks good... but im car salesmen I'm going to tell you this... it doesnt matter how good your credit is when it comes to purchasing a house or car.. its determined 80% of the time by how strong your credit is.. even though i have good credit.. i have not had it long enough to buy a brand new car..
lol no doubt
Umm, that didn't make any sense. Care to reword?
You see, taking out a loan, if for nothing more than to pay it back with itself, is a great way to build credit.
It never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet.lol no doubt
What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."
AIM: RuinerTT
2005 Nissan Pathfinder LE
Partly serious, their has been several investigations on some companies that give blacks higher interest rates than whites. Given the same info other than their race.are you joking or serious, bc i was kidding
that would be some LOL shit hahah (because i'm not black)
if i was black i'd be like
...hrm wait a minute that is black people....
damn finally i understand them
I have a 0 since I haven't used my credit in the past 3 years. Dan has a 819!!!! BASTARD!
I think that the minimum is at least 300 I think, but I am sure that you are higher than that if you used yours and paid it off, even if it was 3 years ago.
AIM: RuinerTT
2005 Nissan Pathfinder LE
Nope. It's a 0. Dan just bought a Topkick and they checked his credit obviously to buy it. So for fun we checked mine (I used to have a repo on it from when I was 18 and wanted to see if it was still there. Haven't applied for credit since. That was 12 years ago. Not a credit card or even a utility bill). They said a 0 isn't bad or good. It just means I haven't used it in the past 3 years. I then got my free credit report on line to be sure and it was the same with all 3 major credit reporting agencies.I think that the minimum is at least 300 I think, but I am sure that you are higher than that if you used yours and paid it off, even if it was 3 years ago.
Whatchu talkin bout. I just figured I would make something up since I dont have one. It makes me feel like a big man I guess.
***Lotus Elise***
BlackWatchRacing/Sector111/Larini Exhausts/Difflow Diffusers/Classic Livery of Atlanta Paint/APR Performance
Im a cash man myself also I like the way you think too. If you cant buy it cash then why buy it!
this is randomguyIt never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet.
What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."
clarify who that was directed towards
and judging by the exact quote do you really think i would bullshit to make myself look ballin to "impress" others.... i'm not the bragger here haha lolol want me to scan my report or better yet take a free more up to date report, since nothing should have changed much since then.
Last edited by Annihilation; 04-04-2007 at 12:54 AM.
just did the score on the website YOU posted and its trying to get me to pay to get the score, isn't there a law where you can do that once a year for free.
its showing me all of my credit accounts and they're all green ( no negative balances/late payments)... but no score.
Not that this score and shit means anything to me, i just don't like being called BS on... like i give a fuck to impress anyone on here w/ a "semi-high credit score"
most 3 recent inquiries is the financing companies. First one is the mortgage broker, didnt find a house in time so i had to do it again a few months later. The other is when i found certain houses that require you to "prequalify" through certain places only. still looking though everything i like has something majorly wrong... everything that doesnt have anything majorly wrong I dont like.
dont know mine.. i put my parents, its right over 800..
A. I said that NO site gives you your FICO score for free.
B. None of those comments were directed towards you. There are 6 people that claim to have 800 or higher and 3 the claim 850. I would guess that 1, at best, is being sincere, and that none of the 850 claims are legit.
AIM: RuinerTT
2005 Nissan Pathfinder LE
Yeah. The majority of ppl are claiming 751-800.
I've worked pretty hard to get my credit where it needs to be. Not to brag but being 23 and having $45,000 in unsecured credit (3 credit cards) available to me whenever I want isn't bad. Not to mention only having a $2,000 balance on one of the cards which is at at 0% int to maintain a good credit/payment history.
There's no point in lying. Threads like this always open up the opportunity for ppl to lie and make themselves feel better about themselves.
a few posts later
which is why i thought you were referring to meIt never ceases to amaze me. People want to "impress" others, but since they can't do it in real life, they do it on the internet.
What's even more funny is that when you call them out on it, they try to chalk it up as a "joke" or that they were "just kidding."
if i was wrong in that assumption sorry if i said anything out of line, but it was 3AM and i dunno i got ticked pretty quick, just seemed like a clear call out to me for some reason.
credit cards suck!! we are slowly paying off debt but i made a few mistakes when i was younger so i am paying for it now.. i think at last check i was around 641... drews got great credit though
just saying in the car business i know for a fact good great credit doesn't matter... strong credit.. IE have credit for a long period of time is better.. shows that your established and you make payments... like having average credit over an 8 year period of time vs some one with great credit that has only had credit for about a year or 2.. you don't know what they are capable of. like how many payments they've missed in the pass or are the going to miss any..
From my credit check last week:
Length of credit history: 12 years, 9 months
AIM: RuinerTT
2005 Nissan Pathfinder LE
a good credit score doesnt mean you are a baller... I know people who make under 20 K a year with a score close to 800.
Is all about how you manage your finances and how long it has been established and kept in good standing.
A true baller doesnt need credit........
True that, Julio.... and i am 'one of the six' who is being sincere, at best....
Jaimecbr900 can vouch on my score before i purchased my house. It was already in the mid 700's averaging about 750 or so.
Since then it has jumped considerably. One of them was over 800 last i checked (about 814 or so). I need to check the other ones and get the average. It is all about managing credit, folks. I am by no definition rich or a baller. But i am very responsible.
You will be amazed at the little things that you can do to improve your credit. Always, ALWAYS pay on time. Pay at LEAST your minimum or more than that. Keep some credit cards open, but don't use them (I have a BOA platinum card with 5k credit that i never used), but also 'use' one of your credit cards but show responsibility in payment (I have an amex blue which I use for my work travels and also bills and stuff with an 18.8 k credit limit. I also have an Amex Platinum).
And to think, at one point, in my 20's , I have raked up about 15.000 in debt, and was considering doing one of those Payment consolidation reduction things. But i made a commitment to pay it off. It hurt my wallet, and i had to eat scraps for a couple of years, but it also helped my credit since then.
I also have extensive apartment rental records and utilities in my name which were also always paid on time
I am also 34 years old and have established credit when I was about 21 or so and had to 'finance' my graduation class ring... lol.
I got free clear tails with my ride.....
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