Post your credit score v. let's separate men from the boys

[Catnip]

I just turned 18 in June and I just got a debit card... no credit cards yet. No credit card offers either =(
lol

[Kaiser]

I just turned 18 in June and I just got a debit card... no credit cards yet. No credit card offers either =(
lol

Oh, they WILL come, I promise. Give them some time. And accept ONE of them with a decent limit, use it every now and then (If you would normally pay cash for something, flash some plastic and set the money aside, pay it off at the end of the month).

My credit was so good at 20 that I got an 11,000 dollar credit limit Mastercard and a car loan less than two months later right after having moved into an apartment and had the utilities turned on. It got shot up because of the bull**** incident I mentioned, but I've worked hard on fixing it up and should be alot closer to debt free by January of this year, and hopefully should have the Audi paid off early too. Don't even make that much, just have had to learn the hard way that if I eat at wendy's or McD's it's a $3 limit and that's ~it~. Budgetting has made what I thought was a hopeless situation into a pretty nice arrangement.


Echo: I am guessing, based on knowing my scores from before as well some estimators you can find too. I would be super-surprised to find that I was too far off though, but I know it would be lower. If I gave a range It'd be 730-780. Now you're making me want to go and pay for a score check...

[Echonova]

Oh, they WILL come, I promise. Give them some time. And accept ONE of them with a decent limit, use it every now and then (If you would normally pay cash for something, flash some plastic and set the money aside, pay it off at the end of the month).

My credit was so good at 20 that I got an 11,000 dollar credit limit Mastercard and a car loan less than two months later right after having moved into an apartment and had the utilities turned on. It got shot up because of the bull**** incident I mentioned, but I've worked hard on fixing it up and should be alot closer to debt free by January of this year, and hopefully should have the Audi paid off early too. Don't even make that much, just have had to learn the hard way that if I eat at wendy's or McD's it's a $3 limit and that's ~it~. Budgetting has made what I thought was a hopeless situation into a pretty nice arrangement.

Dave Ramsey helped curb a lot of my spending habits.
Props on getting out of debt. I'll join you soon.

[Kaiser]

Dave Ramsey helped curb a lot of my spending habits.
Props on getting out of debt. I'll join you soon.

I'm not there yet, so you may yet beat me to it. I was (literally) almost there august of last year, ready to own my own car fully paid and title in hand and had almost zero balance on the card. Got fired (Or quit, if you ask Jiffy lube now) had a ****ty school schedule and couldn't get another job (Everyone who didn't care that I put I got fired said my schedule wouldn't work, everyone who said my schedule was OK was "concerned" by the fact that I had been fired from Jiffy lube. File for unemployment and get told I didn't make enough money to get unemployment. Six months later I get re-hired by the J because of a friend, Unemployment calls up and says "Oops, made a mistake, we owe you a good chunk of money, to collect it, we just need a recorded statement from you." They call Jiffy lube. Jiffy lube has "lost" the paperwork that they claimed they gave me when I got "fired" and the termination paperwork I demanded I get when they fired me, the reason why Cobb County police asked me to leave the building and not come back when I refused to leave without it. Now Jiffy Lube says that they have it on written record from my manager that I quit, and that's why I didn't get any termination paperwork. There goes a few grand out the window, and so I'm stuck with six months of no job and all the money I had to pay just to live. Lost all my savings too. High point of this whole fiasco is getting NAILED by a drunk driver blowing a light at Barret and 41. All said and done me and the Fiance are ok, she had a broken collarbone, I had an ambulance ride on a backboard, we were in a rental car at the time, thank God, and for our trouble we get $8500 this June, same time as the unemployment crap, enough to pay the bills, restore my savings to where they were and buy the 240z we got. We argued alot about just taking the money and paying off the bills, but we decided after everything we suffered because of the wreck, we wanted something positive and permanent to come of it, rather than paying bills we had under control that we knew would probably just lead to us buying a more expensive car later. Now we're on our feet and on our way. Dave Ramsey is a huge help, and Mike Cavanaugh has helped me make the most out of what money I did have in savings.