re: Credit Score Milestones

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I've seen people make the damn news for an 850. It absolutely is pretty rare.

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Im just saying, I haven't done anything special.

I'm not as high as his wife, but getting close

[quote]You being honest? I've always heard that number was impossible unless you are specifically taking steps to get that high. Not just paying bills on time....


Only debt she has is our house. Her vehicle (and mine) is paid off and we have no credit card debt. Never been late on a payment and she has approximately $50K in open credit limits for her credit cards (Discover, PenFed Visa and recently, COSTCO Amex).

For me, I am about to take on debt for a new vehicle and the only other outstanding debt I have is a personal loan at 5.8 % interest (not bad, considering it's a personal loan).

Mine was like 430 a year ago . I had no positive credit history and 1 BS claim against me. I've since got the claim removed from all 3 credit companies and I've opened up a credit card insured by a CD. I think I'm over 700 now.

Congrats. Time to exploit some credit card offers.

We need to start a brag thread on those. I'd like to see where I stack up in relation to all you guys.

I'm in the same boat. My credit score factors light up green like a Christmas tree until you get to my 4 year average credit factor

I'm in the 760-770 range according to credit karma.

When I got my car loan, they originally asked for a cosigner and I was quite displeased. My appeal worked and got approved.

My extended line of credit was the one thing that helped out even with such a high credit score.

I usually churn 2 new cards per year. I've done this for about 6 years now and I would say that is a big reason why my score has risen so quickly.

Please don't define yourself by your credit score.

Avoid debt for depreciable items---cars especially.

Pay what debt you have on time.

Sleep well.

Forget credit scores. They only matter to creditors. Do the two things above and you will not have a problem borrowing money for appreciable investments if you want too.

I know a lot of people who followed your "system" and got told no for a mortgage when they wanted one. In fact, I would say that would be expected more often than not. I couldn't even get a $500 credit card because I had "no credit history". Not a single bad mark on my record, just no history.

But please, continue to give objectively false information that will negatively impact the lives of many strangers. It seems like the right thig to do.