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Started By
Message
2
Posted on 10/23/17 at 3:21 pm to Yellerhammer5
quote:
Credit is for the poor, I pay cash.
I hope you're seriously OT baller, or that will bite you in the arse.
One of my tenants grew up wealthy and was given everything by her parents. Cars. School. Clothes. Rent. Utilities. Everything was paid for.
She went to apply for a home loan? Credit of zero. No house for her.
But of course, if you can drop a few stacks to buy a house, then by all means, continue on.
Posted on 10/23/17 at 3:22 pm to Evil Little Thing
If they are smart ELT, they pull an auto enhanced bureau.
It can artificially inflate or deflate your score depending on your auto history.
I never let any dealer pull my credit. EVER.
It can artificially inflate or deflate your score depending on your auto history.
I never let any dealer pull my credit. EVER.
Posted on 10/23/17 at 3:22 pm to Steauxn
quote:
They don't matter nearly as much as you might think when it comes to consumer loans.
"They" meaning your credit score? If so, this is far from correct!
This post was edited on 10/23/17 at 3:25 pm
Posted on 10/23/17 at 3:23 pm to AFtigerFan
There are some "credit scales" that go above 850. There aren't hard rules about these sorts of things, and the only thing that matters is what a particular lender decides he wants to weight as more important. There are literally dozens of different ways to calculate a credit score.
Knowing your arbitrary number is less important than knowing what is actually on your credit report.
Knowing your arbitrary number is less important than knowing what is actually on your credit report.
Posted on 10/23/17 at 3:24 pm to Steauxn
quote:
but because they're extremely rare and I have none in my data history right now, I'll just concede.
fair enough. But to be honest 720ish to 850 will result you in the same interest rate / credit worthiness rating.
Posted on 10/23/17 at 3:26 pm to 10Percenter
quote:
But to be honest 720ish to 850 will result you in the same interest rate / credit worthiness rating.
You are correct, we call them bullets. 720+ and you're good to go.
Posted on 10/23/17 at 3:30 pm to Steauxn
quote:
You are correct, we call them bullets. 720+ and you're good to go.
700+ doesnt mean shite with a thin file or less than 12 months decent installment.
Posted on 10/23/17 at 3:33 pm to X123F45
Usually true, but I can get around those thin files. Captive lenders and personal relationships with some of my buyers open up a few opportunities type deals.
Posted on 10/23/17 at 3:33 pm to X123F45
quote:
700+ doesnt mean shite with a thin file or less than 12 months decent installment.
With a thin file you should not be 700+. Possible but more like 650.
Posted on 10/23/17 at 3:36 pm to 10Percenter
quote:
With a thin file you should not be 700+. Possible but more like 650.
Just get a few cards. Then call all of the ones who do soft pulls every few months and ask for a credit line increase
Posted on 10/23/17 at 3:36 pm to 10Percenter
I've seen college aged kids that were Authorized Users on their parents' cc and have been in the bureau for more than 3 years and have a score over 700.
Or credit system is a complete shite show. Sometimes, there's NO rhyme or reason to the scores.
Or credit system is a complete shite show. Sometimes, there's NO rhyme or reason to the scores.
Posted on 10/23/17 at 3:42 pm to Evil Little Thing
quote:there is an auto fico, but lenders use their own custom score
Don’t car dealerships use a different type of credit score? It’s not the normal FICO.
Posted on 10/23/17 at 3:54 pm to HeyHeyHogsAllTheWay
quote:
We paid them off and haven't used one in 11 years.
Stupid baw is stupid.
Posted on 10/23/17 at 4:19 pm to Steauxn
quote:
I've seen college aged kids that were Authorized Users on their parents' cc and have been in the bureau for more than 3 years and have a score over 700.
Yeah it's a nice hook up. Already over the 800 bump. Credit score is like a game to me. Trying to get to 850.
Posted on 10/23/17 at 4:20 pm to Evil Little Thing
quote:I am generally a fan.
I feel like I’m the only person who consistently appreciates you on here.
Posted on 10/23/17 at 4:20 pm to X123F45
last i looked my FICO was 836
Posted on 10/23/17 at 4:23 pm to X123F45
quote:What is the big freaking deal about credit scores, we have good credit, but I cant imagine a few point swing from 800 to 760 making that big of a difference in my life. Yes, if I am buying a house I pay attention to it a few months prior but shite, that is like 4 times in a lifetime.
If they are smart ELT, they pull an auto enhanced bureau.
It can artificially inflate or deflate your score depending on your auto history.
I never let any dealer pull my credit. EVER.
Posted on 10/23/17 at 4:29 pm to tigerfoot
The free credit score provided by my Citi card goes up to 900.
Posted on 10/23/17 at 4:31 pm to Yellerhammer5
quote:
Credit is for the poor, I pay cash.
Poor people work for cash.
Smart people let their cash work for them.
Never gotten 5% back or a reimbursement when the price dropped when I paid cash.
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