View Poll Results: What is your credit score?

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58. You may not vote on this poll

  • 300

    1 1.72%

  • 301-350

    0 0%

  • 351-400

    0 0%

  • 401-450

    1 1.72%

  • 451-500

    2 3.45%

  • 501-550

    1 1.72%

  • 551-600

    2 3.45%

  • 601-650

    5 8.62%

  • 651-700

    13 22.41%

  • 701-750

    10 17.24%

  • 751-800

    17 29.31%

  • 801-849

    3 5.17%

  • 850

    3 5.17%
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Thread: Whats your Credit Score?

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  1. 04-03-2007, 12:53 PM #1
    Hulud
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    Default Whats your Credit Score?

    answer it
    Val for President

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  2. 04-03-2007, 12:53 PM #2
    2.0civic
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    shitty..made some past mistakes im trying to still recover from
    FUCK B&D COMMUNICATIONS!

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  3. 04-03-2007, 12:54 PM #3
    Sol-Badguy
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    Somehow I knew you'd start a thead after saying yours in Jorje's.

    I don't know my score, I've only taken out a small loan and have a cell phone. How can I find out?
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  4. 04-03-2007, 12:55 PM #4
    Hulud
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    Quote Originally Posted by BA Panda
    Somehow I knew you'd start a thead after saying yours in Jorje's.

    I don't know my score, I've only taken out a small loan and have a cell phone. How can I find out?
    haha damn you know me too well LOL

    freecreditreport.com
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  5. 04-03-2007, 01:30 PM #5
    Ruiner
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    Quote Originally Posted by Hulud
    haha damn you know me too well LOL

    freecreditreport.com
    DO NOT use that site.

    https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.
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  6. 04-03-2007, 01:31 PM #6
    Hulud
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    Quote Originally Posted by Ruiner
    DO NOT use that site.

    https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.
    good call, as i said in another post that was something i did not use it was just the first thing to come to mind
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  7. 04-03-2007, 01:32 PM #7
    Ruiner
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    Quote Originally Posted by Hulud
    good call, as i said in another post that was something i did not use it was just the first thing to come to mind
    Also, you cannot get your FICO score for free, either (unless you have a coupon code for a free one that gets rid of the site charge).
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  8. 04-03-2007, 01:49 PM #8
    ShooterMcGavin
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    Quote Originally Posted by Ruiner
    DO NOT use that site.

    https://www.annualcreditreport.com/cra/index.jsp is the ONLY trusted site by the 3 credit agencies.
    yep that's what i use. basically u can get ur credit report 3 times a yr for free (once through each agency).

    hey ruiner, what's the diff btw your FICO score and your credit SCORE as reported by the big 3?
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  9. 04-03-2007, 02:51 PM #9
    Ruiner
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    Quote Originally Posted by shagwAg3n
    yep that's what i use. basically u can get ur credit report 3 times a yr for free (once through each agency).

    hey ruiner, what's the diff btw your FICO score and your credit SCORE as reported by the big 3?
    Nothing, the FICO score is your credit score. Just keep in mind that all three agencies are typically close in their FICO scores, but you can have an average between all three as well.
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  10. 04-03-2007, 12:54 PM #10
    LiL PaKi
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    i don't know... it must be high if I was given a 0% interest Credit card for a whole year with a $10,000 credit limit...
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  11. 04-03-2007, 01:03 PM #11
    jmmx258
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    I was engaged with 2 credit cards. Broke up. I had been laid off. She gladly maxed out my cards before I knew what was going on. Yeah i'm fuckered lol
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  12. 04-03-2007, 01:05 PM #12
    ShooterMcGavin
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    who reports the score for freecreditreport.com?
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  13. 04-03-2007, 01:08 PM #13
    Hulud
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    Quote Originally Posted by shagwAg3n
    who reports the score for freecreditreport.com?
    i dunno i didnt go there, it was just the first thing that came to mind
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  14. 04-03-2007, 01:13 PM #14
    sirkus
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    Quote Originally Posted by shagwAg3n
    who reports the score for freecreditreport.com?
    equifax and there's a few more I think..
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  15. 04-03-2007, 01:06 PM #15
    Sol-Badguy
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    Well, apparently I've got a 692.
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  16. 04-03-2007, 01:07 PM #16
    Kelly
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    Mine's like 655. I've only been working on it for like a year though. I'm tryin to get some good credit established before buying a home/marriage/babies/etc...
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  17. 04-03-2007, 01:09 PM #17
    Extrememustang
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    was 793 till a divorce
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  18. 04-03-2007, 01:10 PM #18
    Hulud
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    Quote Originally Posted by yamalube4011
    was 793 till a divorce
    the question is now, not what it was before a fuckup
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  19. 04-03-2007, 01:12 PM #19
    BKgen®
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    mine's 700.

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  20. 04-03-2007, 01:13 PM #20
    Kelly
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    Does how long you've been working on it even matter? Mine looks low compared to ya'lls but i've never missed a payment on my lil loan or my credit card.
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  21. 04-03-2007, 01:15 PM #21
    Hulud
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    Quote Originally Posted by kelly
    Does how long you've been working on it even matter? Mine looks low compared to ya'lls but i've never missed a payment on my lil loan or my credit card.
    i got lucky lol

    apparently i opened a credit card in my name when i was 8 LOL
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  22. 04-03-2007, 01:15 PM #22
    Evil Goat
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    when i bought my house this past october it was in the area of 720 across the board of the 3 major reporters....since then its probably gone down due to the house itself, i havent checked it since then, even though my wife works for a local credit union
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  23. 04-03-2007, 01:39 PM #23
    iloveboost
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    Quote Originally Posted by MR.org
    when i bought my house this past october it was in the area of 720 across the board of the 3 major reporters....since then its probably gone down due to the house itself, i havent checked it since then, even though my wife works for a local credit union
    Your score should have gone up dramatically if you've paid on time since October.
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  24. 04-03-2007, 01:19 PM #24
    Sol-Badguy
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    freecreditreport.com has monitoring from all 3 bureaus.

    And Kelly, I don't know, the only credit I've done was taking out a loan when I was 18 and paying it all back on time. I've never had a credit card.
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  25. 04-03-2007, 01:21 PM #25
    Nemesis
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  26. 04-03-2007, 01:22 PM #26
    ShooterMcGavin
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    ^^i didn't know, i can check mine at any time through transunion i believe, i'll give freecreditreport a try though to see what they gotta say
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  27. 04-03-2007, 01:23 PM #27
    Sol-Badguy
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    Quote Originally Posted by shagwAg3n
    ^^i didn't know, i can check mine at any time through transunion i believe, i'll give freecreditreport a try though to see what they gotta say
    It's not bad, I just used it and my cousin did too.
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  28. 04-03-2007, 01:25 PM #28
    itsjustdee
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    mine's low fuckin credit cards when i was 18. talk about being irresponsible. its getting back up though.
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  29. 04-03-2007, 01:27 PM #29
    civic95
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    Don't know. I do know it's good enough that I'm not signing up for their "protection service" at $13 a month to find it out.
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  30. 04-03-2007, 01:26 PM #30
    ShooterMcGavin
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    um i just checked and it says freecreditreport from EXPERIAN...
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  31. 04-03-2007, 01:27 PM #31
    Ruiner
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    Right now it is:

    750, 752, and 761 depending on the agency.

    It's lower than normal as I have had 8 credit inquiries in the last year (when I bought my house last June and when I am refinancing right now, that accounts for 4 or 5) and I also have my TV to pay off (I have the money to pay it off, but it is sitting in an account earning interest until the first payment is due in '08 - I'll pay it off then). I used a Mitsubishi credit card (had to apply for it) to get the special defered payment rate. That was another inquiry.

    Using the TransUnion credit analyzer projection tool, they say that my score will jump up to almost 803pts when I pay off the tv and the credit inquiries fall off of my record.
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  32. 04-03-2007, 01:28 PM #32
    Ruiner
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    By the way, you CANNOT get your FICO score for free. You can get your credit report for free from annualcreditreports.com (no other site is backed by the 3 companies - no, neither is freecreditreport.com). However, as with any service, you have to pay to get your FICO (credit) score.
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  33. 04-03-2007, 03:03 PM #33
    Jaimecbr900
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    Quote Originally Posted by Ruiner
    By the way, you CANNOT get your FICO score for free. You can get your credit report for free from annualcreditreports.com (no other site is backed by the 3 companies - no, neither is freecreditreport.com). However, as with any service, you have to pay to get your FICO (credit) score.
    #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....

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  34. 04-03-2007, 01:40 PM #34
    Kyle
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    Where is the none of your got damn busineess option Hulud?
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  35. 04-03-2007, 01:45 PM #35
    Nemesis
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    Quote Originally Posted by Kyle
    Where is the none of your got damn busineess option Hulud?


    hahahahaha +1


    thats right hoolood nunyagotdamnbiznass BITCH
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  36. 04-03-2007, 01:50 PM #36
    ShooterMcGavin
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    Quote Originally Posted by Kyle
    Where is the none of your got damn busineess option Hulud?
    i think kyle has shitty or no credit.... repped!
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  37. 04-03-2007, 02:58 PM #37
    Kyle
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    Quote Originally Posted by shagwAg3n
    i think kyle has shitty or no credit.... repped!
    The latter. I should be building my credit, but I havent got around to it. Oh well.
    Quote Originally Posted by Mr. Nemesis
    hahahahaha +1


    thats right hoolood nunyagotdamnbiznass BITCH
    Where is my +1 George?

    Oh and page 3 is mine.
    Last edited by Kyle; 04-03-2007 at 05:59 PM.
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  38. 04-03-2007, 01:59 PM #38
    Hulud
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    Quote Originally Posted by Kyle
    Where is the none of your got damn busineess option Hulud?
    it is MY MOTHERFUCKING BUSINESS!!!!!!!!!!!


    lol
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  39. 04-03-2007, 02:24 PM #39
    Crazy Asian
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    Though Im also starting my bank of america one up...so far all payments have been met not the minnmum fuck that shit paying 15 dollars.
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  40. 04-03-2007, 02:31 PM #40
    R3RUN
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    I dont know what mine is. Hopefully whoever stole my records from the DMV database didnt fuck my shit up though.
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