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re: just checked my credit score
Posted on 4/6/11 at 4:35 pm to lsutigers0705
Posted on 4/6/11 at 4:35 pm to lsutigers0705
That kind of score means you've paid a shite load of interest in your life, congrats.
2
Posted on 4/6/11 at 5:10 pm to lsutigers0705
With a score of 813 you can go to any bank piss on the loan originator then frick his wife on his desk and he'll still want to give you a loan.
Posted on 4/6/11 at 5:59 pm to yellowfin
quote:
That kind of score means you've paid a shite load of interest in your life, congrats.
Not necessarily. Mine was 810 when I bought my truck a few months ago. The only interest I pay is on my mortgage, and I don't pay any more interest on that than the next guy. I haven't paid a cent in credit card interest in years, and I had 0% on my previous vehicle. I haven't done anything special to get it so high, other than getting lucky with some of the numbers they plug in the magic formula I guess.
Posted on 4/6/11 at 6:10 pm to Korkstand
I've done everything perfect and my score is a 740.
This can't be a real thread. Someone dumb enough to ask if a credit score of 800 is good would never have a credit score over 800.
This can't be a real thread. Someone dumb enough to ask if a credit score of 800 is good would never have a credit score over 800.
Posted on 4/6/11 at 6:11 pm to yellowfin
I think my average was 785 or 790 between all three. At that time, I hadn't paid a dime in interest on anything in my life. No car note or house note yet. Everything in cash (nb4ilovebamareference 
). I paid bills since I went on my own the summer before college.
). I paid bills since I went on my own the summer before college.Posted on 4/6/11 at 6:12 pm to I Love Bama
quote:
I've done everything perfect and my score is a 740.
I've been less than perfect in the past, and that's why I think I just got lucky on something.
quote:
This can't be a real thread. Someone dumb enough to ask if a credit score of 800 is good would never have a credit score over 800.
Agreed.
Posted on 4/6/11 at 6:15 pm to Brageous
quote:
nb4ilovebamareference
I feel honored!
Posted on 4/6/11 at 7:00 pm to Korkstand
quote:
Not necessarily. Mine was 810 when I bought my truck a few months ago. The only interest I pay is on my mortgage, and I don't pay any more interest on that than the next guy. I haven't paid a cent in credit card interest in years, and I had 0% on my previous vehicle. I haven't done anything special to get it so high, other than getting lucky with some of the numbers they plug in the magic formula I guess.
you don't get a 814 by paying your mortgage.
This post was edited on 4/6/11 at 7:01 pm
Posted on 4/6/11 at 7:05 pm to Brageous
quote:
I paid bills since I went on my own the summer before college.
Do bills affect your credit unless you're late?
Posted on 4/6/11 at 7:20 pm to BilJ
High score?? Is that good? Did I break it??
Posted on 4/6/11 at 7:35 pm to yellowfin
quote:
you don't get a 814 by paying your mortgage.
Well I'm not giving free BJ's at Equifax, so I don't know what to tell you. I'm more than sure I've paid less interest in my life than 75% of people my age.
Posted on 4/6/11 at 9:26 pm to yellowfin
I'd like to respond with an educated response, but I have no idea how I got that score
Posted on 4/6/11 at 10:33 pm to lsutigers0705
quote:
Looking to buy a house in the next 2 years so i am trying to get a better understanding what it needs to be so i could get a home loan.
You won't have a problem if you make ok money and have a score like that.
Posted on 4/7/11 at 1:08 am to lsutigers0705
quote:Here is a serious answer. This is a really good score. My score was in that range 10 years ago when I was car shopping and the salesman said he'd never seen one so high.
just checked my credit score
and it is 813. How good or bad is that score. dont really understand how all the points system works. Looking to buy a house in the next 2 years so i am trying to get a better understanding what it needs to be so i could get a home loan.
Soon after that, I bought a house. Do not go to a bank with that score. The bank does not have good interest rates. Use a mortgage broker. Ask friends for a referral. My interest rate on my house is 4.65 or something like that. You should get the primo rate. Have a downpayment, and you don't have to pay PMI or escrow taxes or insurance. You can get a great deal.
BTW, good for you for having such a good score. With all the people out there when a ton of credit card debt robbing Peter to pay Paul, you should be proud no matter how much you make.
Posted on 4/7/11 at 8:48 am to yellowfin
quote:
Do bills affect your credit unless you're late?
I got fricked by entergy when i sold my condo and I never received this fricking $75 balance bill. I was hopping from different addresses after that and nothing got to me. Found out about it like a year or two later when applying for mortgage loan. fricking bastards.
Posted on 4/7/11 at 11:24 am to Brageous
quote:
this thread delivers
I have to agree. I hope this continues.
Posted on 4/7/11 at 11:38 am to lob1284
quote:
I have to agree. I hope this continues.
I put 100% of my equity allocation in apple and microsoft stock in 1992 and invested the alternative investment portion in the venture capital of Google.
I haven't kept up with the markets and I don't understand pricing. Do you think this was a good idea? Should I take profits?
Posted on 4/7/11 at 12:11 pm to TheHiddenFlask
thanks WRLakers for the info. To the rest of you can kiss my 813 arse. Dont be hating cause you suck in life and dont have good credit. i just never really paid attention to the credit scoring system til now. Since i am looking to buy a home for me and my family. i wanted to know if that was good score or not. So eat shite and kiss my 813 arse.
Posted on 4/7/11 at 12:38 pm to lsutigers0705
quote:
just checked my credit score
and it is 813. How good or bad is that score.
I just checked my dick and it's inside of Jessica Biel's hiney...is that good?
This post was edited on 4/7/11 at 12:40 pm
Posted on 4/7/11 at 12:52 pm to Putty
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