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re: What's your credit score?
Posted on 7/27/15 at 11:32 pm to TigahRag
Posted on 7/27/15 at 11:32 pm to TigahRag
quote:
Here comes the part where people start playing "dumb" .. then drop brag posts .. You "never" thought below 800 was special, but have the credit karma app on your phone .. :cast:
2 years ago I had a 640ish. I got the credit karma app to help me out. I also got lifelock.
If you think 760 is me bragging, you're incorrect. However, I'm happy with my score compared to where it was.
Sorry for thinking that 760 wasn't that good? Seriously, a 760 equates to a B in a class.
Would you consider someone with a 3.0 bragging?
quote:
Sorting Out OT BS Since 2005
You're failing...
This post was edited on 7/27/15 at 11:34 pm
2
Posted on 7/28/15 at 12:33 am to malvin
Ok here goes... 5 years ago we move from Texas to Il.. Getting a mortgage. My credit score was 715. I had no idea why or how. Now 5 years later it's 821 (latest) but it has fluctuated between 790-830. I have no idea how they score that crap. Really an insignificant #.
Posted on 7/28/15 at 1:07 am to lsuwontonwrap
I stopped paying attention after my first Billion, that was when I was 17
Posted on 7/28/15 at 5:49 am to JonTheTigerFan
quote:
Again, which "actual" score though
The one the bank gave me when I bought property a couple months ago.
That's really the only one that matters
Posted on 7/28/15 at 6:16 am to ShermanTxTiger
You have no idea "how it works" .. downplay it .. but have a 95th percentile score .. Right ...
Posted on 7/28/15 at 6:17 am to Real Pirate
You're full of shite
Posted on 7/28/15 at 6:26 am to cuyahoga tiger
Mine was actually lower. I have credit tracker with transunion through my cap one credit card is updated monthly, and I just did a refinance which obviously does a hard credit pull from all agencies. The hard pull was about 50 points higher than what transunion was reporting.
Posted on 7/28/15 at 6:28 am to TigahRag
Between this thread and you chasing down hamma every chance you get, your blood pressure is sky high.
Posted on 7/28/15 at 6:31 am to TigerHam85
I am hyperventilating and can barely see straight! You're right .. I really need to calm down ..
Posted on 7/28/15 at 6:39 am to steakbombLSU
quote:
Mine was actually lower. I have credit tracker with transunion through my cap one credit card is updated monthly, and I just did a refinance which obviously does a hard credit pull from all agencies. The hard pull was about 50 points higher than what transunion was reporting.
Same with my Lifelock score. Recently co-signed a loan for my 19 year old to get a new boat motor for his bass boat and when we went in to sign the credit union had my score 40 points higher and at an A rating. They all look at the same things but rate a little differently I guess.
Posted on 7/28/15 at 6:44 am to double d
They are all different .. Most people seem to find the highest of the 8 scores and quote that as their FICO score ...
Posted on 7/28/15 at 7:02 am to TigahRag
We just bought a car, mine was 825. However I apparently had a false foundation due to the fact I only had two open credit cards in my name
Posted on 7/28/15 at 8:13 am to TigahRag
quote:
You're full of shite
You're giving me too much credit.
Posted on 7/28/15 at 8:18 am to malvin
572 and give zero fricks
Posted on 7/28/15 at 8:29 am to Iron Lion
These numbers everybody throws out really have no meaning. I read somewhere that there are like 49 different credit scores. Numbers can vary widely.
Posted on 7/28/15 at 8:31 am to yellowfin
quote:
That's really the only one that matters
This.
Can I get the absolute lowest possible interest rate?
Then I don't care about the rest of this foolishness.
At some point, your score makes "0" difference in what a lender will do anyway.
Posted on 7/28/15 at 8:32 am to VetteGuy
At what point would that be?
Posted on 7/28/15 at 8:38 am to Real Pirate
Too low, no loan.
760+ probably isn't going to get any better rate than 850.
760+ probably isn't going to get any better rate than 850.
Posted on 7/28/15 at 8:59 am to VetteGuy
Prime Rates begin at 720.
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