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Started By
Message
re: Let's be honest about credit scores
Posted on 10/23/17 at 3:13 pm to LucasP
Posted on 10/23/17 at 3:13 pm to LucasP
quote:
Why? For language? This j arse tried to impress people with a fictional credit score. It's like if I bragged about being a bazillionare, fricking moron.
Doubling down on stupid I see.
1
Posted on 10/23/17 at 3:14 pm to SG_Geaux
Do you know who you are replying to?
Posted on 10/23/17 at 3:14 pm to 10Percenter
I don't have any right now. BUt I have seen 860s before.
This pic was to prove the scores do go over 750 that a previous poster stated was wrong
This pic was to prove the scores do go over 750 that a previous poster stated was wrong
quote:
If you're gonna brag/lie, do your research, credit scores don't go that high
This post was edited on 10/23/17 at 3:16 pm
Posted on 10/23/17 at 3:15 pm to Steauxn
It's LucasP, guys. FFS.
Posted on 10/23/17 at 3:16 pm to X123F45
You took credit out for a vacation? Lolz
Posted on 10/23/17 at 3:16 pm to ell_13
quote:
Do you know who you are replying to?
Posted on 10/23/17 at 3:16 pm to HeyHeyHogsAllTheWay
I assure you, I was just as concerned as you are flippant and dickish.
Credit utilization is 13%.
horseshite.
Credit utilization is 13%.
horseshite.
Posted on 10/23/17 at 3:16 pm to LucasP
quote:Sounds like you need to do your research.
If you're gonna brag/lie, do your research, credit scores don't go that high. Jackass.
Posted on 10/23/17 at 3:16 pm to Evil Little Thing
quote:
I feel like I’m the only person who consistently appreciates you on here.
Well seeing how me and Lucas founded a religion together, you would be wrong.
Praise be to the Great Dufus! And may the dodo bless you and yours.
Posted on 10/23/17 at 3:17 pm to Steauxn
It was sarcasm, dude.
Posted on 10/23/17 at 3:17 pm to Steauxn
quote:
BUt I have seen 860s before.
quote:
Question: What’s the highest credit score you can have? Answer: Since the credit score range is 300 to 850, the highest credit score possible is 850, although any score of 720 or higher is considered “excellent” and will usually afford you a lender’s most favorable credit terms.
Did you know? While 850 is theoretically the highest possible credit score, the highest credit score among actual Credit Sesame users is 839 — and just 0.006% of members actually have that score. In other words, an 850 credit score is an anomaly, not a goal!
This post was edited on 10/23/17 at 3:18 pm
Posted on 10/23/17 at 3:17 pm to SG_Geaux
I'm shocked people still take him seriously. He's funny about 2/10 times with his original comment. But it's amazing he still gets fish to bite so often.
Posted on 10/23/17 at 3:18 pm to Steauxn
If you guys use only the 3 major credit bureau's, I challenge you to show me one above 850 for us newbies.
For reference, the 3 major credit bureau's being Equifax, Experian, and TransUnion. (but you knew that already)
For reference, the 3 major credit bureau's being Equifax, Experian, and TransUnion. (but you knew that already)
This post was edited on 10/23/17 at 3:20 pm
Posted on 10/23/17 at 3:18 pm to HeyHeyHogsAllTheWay
quote:
So we're to believe that you have only one credit card, but the limit is high enough that you can charge a $10K vacation to it, but that doing so affected your credit score? Yeah, gonna go ahead and call bullshite on you at this point little feller. Any credit card with a $10K limit on it is't going to ding your credit simply because you actually used the damn thing
What? I never said anything about a 10k vacation. I occasionally have an expense that can be up to 10k and I put it on the card. That card has a limit of somewhere between 50 and 70k. That's not that high of a limit if you only have one card and you make decent money. Also, credit card companies aren't lowering your score. The credit bureau sees that you have used a large amount of credit that is abnormal. They assess that as being a risk so they temporarily lower your rating until that shite is paid off.
Posted on 10/23/17 at 3:19 pm to Steauxn
...credit scores go up to 900 baw. Highest I've seen was an 879. Perfect storm. Zero utilization. No credit pulls for over two years. Autos both over 4 years old. 99 months perfect pay mortgage.
It was...impressive.
It was...impressive.
Posted on 10/23/17 at 3:19 pm to Steauxn
quote:
For you newer guys that don't know me, I'm the Finance Director at a dealership that sells 500+ cars a month. I deal with the crediks all day, everyday.
Apparently finance directors don’t need to know shite about credit scores. Go figure.
Posted on 10/23/17 at 3:20 pm to X123F45
They don't matter nearly as much as you might think when it comes to consumer loans.
Posted on 10/23/17 at 3:20 pm to X123F45
Don’t car dealerships use a different type of credit score? It’s not the normal FICO.
Posted on 10/23/17 at 3:21 pm to Steauxn
Get out of dealertrack bitch.
Posted on 10/23/17 at 3:21 pm to ell_13
quote:
I'm shocked people still take him seriously. He's funny about 2/10 times with his original comment. But it's amazing he still gets fish to bite so often.
It's funny that he even gets old times like SG Geaux who should know better to bite.
Hooking a new poster is easy.
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