- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Posted on 9/17/22 at 7:30 am to TackySweater
quote:
quote: My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710. I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
//////Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol//////
Yeah, it is about right. You don't know what you're talking about. A single missed payment is the biggest knock on a credit score.
Posted on 9/17/22 at 7:39 am to potent357
I have the best FICO score.....none!!!!!
Dave Ramsey
Dave Ramsey
Posted on 9/17/22 at 7:52 am to potent357
Thanks for the info.
You do realize that there are guys over at Patrick Taylor Hall and other places on campus that can get around your Lifelock type of " protection " in about 5 minutes.
You do realize that there are guys over at Patrick Taylor Hall and other places on campus that can get around your Lifelock type of " protection " in about 5 minutes.
Posted on 9/17/22 at 7:59 am to potent357
Let me guess, you are also over 6 feet tall and bench 315 regularly?
Posted on 9/17/22 at 8:03 am to potent357
I didn’t even know that there was still a discover card. I thought they went under with sears.
Posted on 9/17/22 at 8:05 am to potent357
805. And I don't give a damn, odd thing to care deeply about
Posted on 9/17/22 at 8:31 am to Billy Blanks
quote:You don't give a damn yet you cared enough to check your score and post it. I don't care about it DEEPLY - it was simple question for curiosities sake.
805. And I don't give a damn, odd thing to care deeply about
Posted on 9/17/22 at 8:37 am to potent357
The only credit scores that matter are what experian, equifax, of trans union pulls not the stupid one on discover. Sit down OP
Posted on 9/17/22 at 8:39 am to potent357
Is 12 a good number? I’m hoping to lease a beamer soon.
Posted on 9/17/22 at 8:40 am to potent357
Just as a reminder as I’m sure y’all know, Fico 8 (what you normally see) can be different than your Auto and Mortgage scores. In particular FICO 2/4/5 (mortgage) scores are really sensitive to new lines of credit so it can be a good idea to have a 12+ month gap between getting a new vehicle or credit card and buying/refinancing a house.
Posted on 9/17/22 at 8:41 am to Palmetto98
quote:
The only credit scores that matter are what experian, equifax, of trans union pulls not the stupid one on discover. Sit down OP
You are heading to the top of the list of the dumbest posters and that is a hard list to top.
Discover pays Fair Isaac to show their customers their FICO 8 score based on their Transunion credit report.
Posted on 9/17/22 at 8:44 am to armsdealer
quote:
You are heading to the top of the list of the dumbest posters and that is a hard list to top. Discover pays Fair Isaac to show their customers their FICO 8 score based on their Transunion credit report.
As a previous mortgage and auto lender, I’ve never pulled a customer’s credit score before………SUREE. You people with 1 discover credit card that only use it responsibly for gas or something have zero fvcking clues on what you are talking about. Go sit down with op on the loser bench. Y’all were so annoying to deal with crying about their rates because discover said XYZ.
This post was edited on 9/17/22 at 8:46 am
Posted on 9/17/22 at 8:51 am to potent357
Everybody leads with, or brags about, their perceived strength, as such, I don't give a hoot about credit scores.
I have gone 83 years since since my last natty. How many of you slackers can say that?
I have gone 83 years since since my last natty. How many of you slackers can say that?
Posted on 9/17/22 at 8:59 am to HarrisonTown
quote:
quote: My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710. I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
//////Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol//////
Yeah, it is about right. You don't know what you're talking about. A single missed payment is the biggest knock on a credit score
A single missed payment usually has no effect on your credit score unless it hits that 30-day mark because then you've missed a whole billing cycle (basically missing two payment deadlines to keep it off of your credit record). When it's just late (but not 30 days late) the creditors don't even report it as long as you pay it before the next normal due date. Also, depending on what you're paying, some loan agreements are listed in default after that long with no payment.
The length and shape of your credit history also is part of the equation here when looking at how much something like that might affect your score.
Posted on 9/17/22 at 9:17 am to potent357
One higher than anyone else posts.
Posted on 9/17/22 at 9:26 am to Big EZ Tiger
quote:
A single missed payment usually has no effect on your credit score unless it hits that 30-day mark because then you've missed a whole billing cycle (basically missing two payment deadlines to keep it off of your credit record). When it's just late (but not 30 days late) the creditors don't even report it as long as you pay it before the next normal due date.
We agree. Poster missed payment. I took that to mean missed completely even after the "30 day grace". If his score tanked that much then he missed the payment completely.
quote:
The length and shape of your credit history also is part of the equation here when looking at how much something like that might affect your score.
It does indeed, but I still maintain an unpaid debt (30 day, whatever) is by far the biggest knock on a credit score.
Popular
Back to top
Follow TigerDroppings for LSU Football News