View Poll Results: What's your credit score?

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80. You may not vote on this poll
  • 450 or less

    5 6.25%
  • 450-500

    0 0%
  • 501-550

    4 5.00%
  • 551-600

    3 3.75%
  • 601-650

    10 12.50%
  • 651-700

    11 13.75%
  • 701-750

    14 17.50%
  • 751-800

    15 18.75%
  • 801-850

    6 7.50%
  • NO IDEA!!!

    12 15.00%
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Thread: What's your credit score?

  1. #1
    CarlyMIA
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    Default What's your credit score?

    ********************
    Last edited by CarlyMIA; 08-07-2009 at 06:29 PM.

  2. #2
    Moderator charlie61's Avatar
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    Default Re: What's your credit score?

    Here's my idiot question: how does one find out one's credit score? (Hey, I just turned 20...so it's not THAT bad that I don't know this. I've never made a large purchase before, so it isn't exactly relevant to me yet...)

  3. #3
    CarlyMIA
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    Default Re: What's your credit score?

    When you apply for a credit card, whenever they send you the decision (usually a denial, can't say for approval), it says you can write to the bureau with which the credit card works (it will be Experian, TransUnion, or EquiFax) and they will send you your credit report for free. You have to do it within 60 days though.

    Another way is to go to freecreditreport.com and pay to find out your score. There are other websites that will do this for a fee as well. Just google "my credit score" or something along these lines.

    Also, you can apply for a loan where they need to check your credit and they will show you the credit report. Car loan is perfect.

    Hope this helps!

  4. #4
    Moderator charlie61's Avatar
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    Default Re: What's your credit score?

    freecreditreport.com isn't free? Fuck that. Guess I'm voting "No idea."

    I always pay my credit card fees before they're due though...so does that mean I have perfect credit? Or is credit something you have to build up from the ground?

  5. #5
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by charlie61 View Post
    freecreditreport.com isn't free? Fuck that. Guess I'm voting "No idea."

    I always pay my credit card fees before they're due though...so does that mean I have perfect credit? Or is credit something you have to build up from the ground?
    FREECREDITREPORT IS A SCAM AND RIP OFF.

    For REAL free credit reports go to

    For scores go to

    Or if you have a WaMu card like the OP you get a free monthly FICO from Transunion BUT. I got my WaMu FICO and it was 80 points less than the score that was pulled for my mortgage preapproval just a couple weeks later and nothings changed on my TU report so I dont even trust that one.

  6. #6
    God/dess anomar's Avatar
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    Default Re: What's your credit score?

    Quote Originally Posted by charlie61 View Post
    freecreditreport.com isn't free? Fuck that. Guess I'm voting "No idea."

    I always pay my credit card fees before they're due though...so does that mean I have perfect credit? Or is credit something you have to build up from the ground?
    Yeah. what AL said about it being a scam. Fuckers took the name 'free'!!! The government really will give you 3 free credit reports a year (or rather one per reportiing bureau)... that's what annualcreditreport.com is, your real, official, legally given free report. Pisses me off that freecr was able to puill that shit.

    But yeah, go to annualcreditreport. NO STRINGS ATTACHED

  7. #7
    Moderator charlie61's Avatar
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    Default Re: What's your credit score?

    Thank you so much you guys!

  8. #8
    Veteran Member NekkoStarz's Avatar
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    Default Re: What's your credit score?

    I can't just vote one, cos all three have very different ratings... one is very good (in the 700's), on is fair (upper 600's) and one is waaaaaaay retarded (500's)

  9. #9
    AudreyLeigh
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    Default Re: What's your credit score?

    Use your median score... thats what I did.
    Last edited by AudreyLeigh; 10-02-2008 at 01:53 PM.

  10. #10
    CarlyMIA
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    Default Re: What's your credit score?

    Yea the WaMu one is only from one agency but it's still nice to see it go up! =]

    Also, it's advisable that you DON'T pay your credit card balances in full each month so that the creditors know that you're responsible and can pay off a loan (no matter how much) over a period of time. This builds a good reputation for you, hence better score. Make sure you're only using less than 50% of credit available to you (total credit on ALL cards)
    Last edited by CarlyMIA; 08-07-2009 at 06:30 PM.

  11. #11
    Moderator charlie61's Avatar
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    Default Re: What's your credit score?

    Quote Originally Posted by CarlyMIA View Post
    Yea the WaMu one is only from one agency but it's still nice to see it go up! =]

    Also, it's advisable that you DON'T pay your credit card balances in full each month so that the creditors know that you're responsible and can pay off a loan (no matter how much) over a period of time. This builds a good reputation for you, hence better score. Make sure you're only using less than 50% of credit available to you (total credit on ALL cards)
    I'm not sure this is accurate advice. Wouldn't a creditor like to see the payment made immediately and consistently rather than consistently and slightly delayed? Doesn't make much sense...

  12. #12
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by charlie61 View Post
    I'm not sure this is accurate advice. Wouldn't a creditor like to see the payment made immediately and consistently rather than consistently and slightly delayed? Doesn't make much sense...
    If you charge $200 to a card, go home and pay $200 that doesnt show you can handle credit.

    If you charge $200 to a card, and make payments every month over the minimum AND keeping the balance under 30% (not 50%) that shows the creditors that you can handle credit.

    Best is to ALWAYS have a small revolving balance (3-10%) and continue to make small payments and let the bank make some interest. If theyre not making interest whats the point of them giving you more credit?

  13. #13
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by CarlyMIA View Post
    Yea the WaMu one is only from one agency but it's still nice to see it go up! =]
    No. It was from the same agency. WaMu said my Transunion FICO is 602. BUT when I had my Transunion FICO pulled for my mortgage it was actually 688. It gave the wrong FICO for the same agency. Therefor I do not trust it.

    WaMu supposedly uses the same formulation as FICO but obviously something if off because they're getting an entirely different score for the same CRA.

  14. #14
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    Default Re: What's your credit score?

    667 according to FICO via Wamu. Not bad considering I had a '0' credit score this past June according to several motorcycle dealerships and banks.

  15. #15
    God/dess VegasPrincess's Avatar
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    Default Re: What's your credit score?

    Hmm...I'm poed ! I tried to get my free annual credit report, and they asked me some weird questions for "security" and apparently Ianswered them wrong so they won't give me my report? I'm trying the myfico right now...
    Sexy Jasmine after getting fucked over at work:

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    Quote Originally Posted by anomar View Post
    Perhaps you stopped spending money on her. Strippers need money to operate. They are like coin operated juke-boxes of love.

  16. #16
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    Default Re: What's your credit score?

    I'm not sure this is accurate advice. Wouldn't a creditor like to see the payment made immediately and consistently rather than consistently and slightly delayed? Doesn't make much sense...
    banks are in the business of credit card accounts in order to earn money from the interest they can charge on outstanding balances. When you pay off the balance in full, you 'deprive' the bank of this income stream. Thus banks are much happier if a credit card holder regularly carries a balance that is 25-35-40% of the credit limit as long as regular payments are made in a timely manner.

  17. #17
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by VegasPrincess View Post
    Hmm...I'm poed ! I tried to get my free annual credit report, and they asked me some weird questions for "security" and apparently Ianswered them wrong so they won't give me my report? I'm trying the myfico right now...
    That happened to me. MyFico is not where you get your reports tho. You need to send some stuff into annualcreditreport to get your reports - theres a form there - you need to send a utility bill, license and SS card. I had to do that to get mine the first time around.

  18. #18
    Moderator charlie61's Avatar
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    Default Re: What's your credit score?

    Quote Originally Posted by AudreyLeigh View Post
    If you charge $200 to a card, go home and pay $200 that doesnt show you can handle credit.

    If you charge $200 to a card, and make payments every month over the minimum AND keeping the balance under 30% (not 50%) that shows the creditors that you can handle credit.

    Best is to ALWAYS have a small revolving balance (3-10%) and continue to make small payments and let the bank make some interest. If theyre not making interest whats the point of them giving you more credit?
    Interesting. Thanks for the info! But I thought it was bad to have a balance you're paying interest on. Weird.

  19. #19
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by charlie61 View Post
    Interesting. Thanks for the info! But I thought it was bad to have a balance you're paying interest on. Weird.
    Yea. Its like a weird catch 22. Of course you dont want to pay interest and shouldnt pay to use money that you dont need.... but for your credit score its best.

    Its Dave Ramsey vs. The Bank.

  20. #20
    God/dess VegasPrincess's Avatar
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    Default Re: What's your credit score?

    Quote Originally Posted by AudreyLeigh View Post
    That happened to me. MyFico is not where you get your reports tho. You need to send some stuff into annualcreditreport to get your reports - theres a form there - you need to send a utility bill, license and SS card. I had to do that to get mine the first time around.
    I tried again and it worked. They had a stupidly phrased question, have you owned a 3 series BMW in the last year? I put no because I had that car for literally 3 months before I got into a freak accident ( I dropped my cell phone, went to pick it up and my shoulder got stuck under the wheel....I couldnt get up or steer or anything and I crashed into two parked cars...owned by a husband and wife, unfortunately) and havent had that car in like 5 years...
    Sexy Jasmine after getting fucked over at work:

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    Quote Originally Posted by anomar View Post
    Perhaps you stopped spending money on her. Strippers need money to operate. They are like coin operated juke-boxes of love.

  21. #21
    Banned demonika's Avatar
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    Default Re: What's your credit score?

    i use whenever i feel like randomly checking my or my husband's credit score. it is FREE and you can use it daily.

    my credit score is CRAP, but we use my husbands name on everything. his is really good. i financed some plastic surgery to build my credit and i am finally getting somewhere. yay!

  22. #22
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    Default Re: What's your credit score?

    Quote Originally Posted by AudreyLeigh View Post
    FREECREDITREPORT IS A SCAM AND RIP OFF.
    I don't think so . I order the annual thing that is supposed to be 79.95 and you get a free month, then i cancel it before my monh is over . so , it's free you just have to follow the rules. Plus I heart their commercials.

  23. #23
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    Default Re: What's your credit score?

    Quote Originally Posted by VegasPrincess View Post
    I tried again and it worked. They had a stupidly phrased question, have you owned a 3 series BMW in the last year? I put no because I had that car for literally 3 months before I got into a freak accident ( I dropped my cell phone, went to pick it up and my shoulder got stuck under the wheel....I couldnt get up or steer or anything and I crashed into two parked cars...owned by a husband and wife, unfortunately) and havent had that car in like 5 years...
    Ok, that sounds like a bad dream. How scary was that? glad you didn't get hurt.

  24. #24
    AudreyLeigh
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    Default Re: What's your credit score?

    Quote Originally Posted by demonika View Post
    i use whenever i feel like randomly checking my or my husband's credit score. it is FREE and you can use it daily.

    my credit score is CRAP, but we use my husbands name on everything. his is really good. i financed some plastic surgery to build my credit and i am finally getting somewhere. yay!
    Yet again, the only place to get your credit score is myfico.com

    I havent been to CK in a while and just went. My Transunion score is 688. According to CK its 628. Thats a HUGE difference.

    Quote Originally Posted by VegasPrincess View Post
    I tried again and it worked. They had a stupidly phrased question, have you owned a 3 series BMW in the last year? I put no because I had that car for literally 3 months before I got into a freak accident ( I dropped my cell phone, went to pick it up and my shoulder got stuck under the wheel....I couldnt get up or steer or anything and I crashed into two parked cars...owned by a husband and wife, unfortunately) and havent had that car in like 5 years...
    Thats odd. Theyve never asked me such personal things - usually its who do you have a auto loan through and whats the payment.

    Quote Originally Posted by MeanGirl View Post
    I don't think so . I order the annual thing that is supposed to be 79.95 and you get a free month, then i cancel it before my monh is over . so , it's free you just have to follow the rules. Plus I heart their commercials.
    Problem is they are trimerge reports. They do not contain all the information from your actual reports and they mark things differently.

    The ONLY place to get REAL credit reports is annualcreditreport.com (through the actual CRA)

    Ask me how I know?

    OK, Ill tell you. In the last year Ive gotten my score up over 100 points... I know about ALL the companies, scores, tricks and tips.

  25. #25
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    Default Re: What's your credit score?

    ^^oh, I believe you . I just don't think it's a scam. But that's awesome you've gotten your credit score up so high .

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