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Started By
Message
re: What’s your credit score?
Posted on 5/26/24 at 6:22 pm to BabyTac
Posted on 5/26/24 at 6:22 pm to BabyTac
We were pulled for a ued car loan in 2019, with me at 835 and her at 836. 
We paid the car off in 6 months and continued to pay all bills in a timely fashion. We applied for a HELOC in 2022 and were then in the high 790's, with no reason to have dropped.
We then found out the HELOC rate was almost 12% so we declined using it. Waiting for it to expire.
We paid the car off in 6 months and continued to pay all bills in a timely fashion. We applied for a HELOC in 2022 and were then in the high 790's, with no reason to have dropped.
We then found out the HELOC rate was almost 12% so we declined using it. Waiting for it to expire.
This post was edited on 5/26/24 at 6:23 pm
0
Posted on 5/26/24 at 8:42 pm to GRTiger
quote:
Stop pretending like you know how they calculate that shite.
It’s based on credit history meaning your history in managing credit.
Your income to debt ratio has a lot to do with it. Paying off debt can lower it due to affecting credit mix, credit usage ratio, etc
Posted on 5/26/24 at 9:28 pm to deltaland
quote:
Your income
Nope
Posted on 5/26/24 at 9:53 pm to BabyTac
834 and 836
Wonder if it will go down when I go debt free
Wonder if it will go down when I go debt free
Posted on 5/26/24 at 10:43 pm to BabyTac
819
will go down when i sell my house this summer and wont have a mortgage for a while
will go down when i sell my house this summer and wont have a mortgage for a while
Posted on 5/26/24 at 11:04 pm to BabyTac
mine is always around 790.not sure why it doesn't go over 800
Posted on 5/26/24 at 11:06 pm to donRANDOMnumbers
quote:
mine is always around 790.not sure why it doesn't go over 800
Mine is never over 800 and always in the 790’s.
Posted on 5/26/24 at 11:07 pm to SanFranTiger
Haven’t had a credit card in 20 years
Haven’t had a mortgage in 15 years
Paid off a car loan 3 years ago
Only have a gas card
Every bill is paid on time by my wife.
Go buy a truck in December 2023 dealership pulled my credit score it was 750. I said is that good they said yea that’s good enough ?????
Haven’t had a mortgage in 15 years
Paid off a car loan 3 years ago
Only have a gas card
Every bill is paid on time by my wife.
Go buy a truck in December 2023 dealership pulled my credit score it was 750. I said is that good they said yea that’s good enough ?????
Posted on 5/26/24 at 11:40 pm to Double Oh
quote:
OhHaven’t had a credit card in 20 years Haven’t had a mortgage in 15 years Paid off a car loan 3 years ago Only have a gas card Every bill is paid on time by my wife. Go buy a truck in December 2023 dealership pulled my credit score it was 750. I said is that good they said yea that’s good enough ?????
How old a baw are you to not have a mortgage in 15 years? I have credit cards and have built 3 houses the last 17 years. Have had a mortgage for the last 17 and for the 1st time starting in June I will be a renter after my house sells. I haven’t been able to find anything I like in the area of Houston I’m looking for.
This post was edited on 5/26/24 at 11:47 pm
Posted on 5/27/24 at 9:25 am to Rize
I’m in my 50,s
Bought a small house lived there for 15 years sold it for double what I paid for it.
Then bought a house and used that money and some savings to pay for the house. Bought it at a 20% discount ole baw was just ready to sell it.
Bought a small house lived there for 15 years sold it for double what I paid for it.
Then bought a house and used that money and some savings to pay for the house. Bought it at a 20% discount ole baw was just ready to sell it.
Posted on 5/27/24 at 10:21 am to BabyTac
767.
Posted on 5/27/24 at 11:40 am to BabyTac
I am 26 with a 790-810. I have approximately $320,000 in total debt (student loans, mortgage, and truck). I have $111,000 available credit in the form of CCs with less than $2,000 of that used. Average age of 4yrs, 3 mos. 0 derogs, 31 total accounts. 1 hard inquiry (dropping off in June 2024).
Debt is not a terrible thing if you manage it well and ensure you will not always be in it. 0% financing and CCs intro rates are awesome if used CORRECTLY.
Debt is not a terrible thing if you manage it well and ensure you will not always be in it. 0% financing and CCs intro rates are awesome if used CORRECTLY.
This post was edited on 5/27/24 at 11:42 am
Posted on 5/27/24 at 12:16 pm to Roy Curado
I got an email last night from credit karma say my score had changed.
I’m finally in the 800’s fellas
Both scores bumped from 791 to 800.
I’m finally in the 800’s fellas
Both scores bumped from 791 to 800. 
Posted on 5/27/24 at 12:23 pm to Rize
quote:
Mine is never over 800 and always in the 790’s.
mine is normally 820 ish, using lines of credit now so has dipped to 775 for now,
Posted on 5/27/24 at 8:05 pm to SanFranTiger
quote:
will go down when i sell my house this summer and wont have a mortgage for a while
I have been debt free since about 2009. My credit score is over 800. I have no idea what my score was from 2009-2022. I only know it's above 800 now because one of my credit cards shows the credit score online when I paid the bill. The only balance that I have had since 2009 is credit cards which I pay the balance monthly.
Posted on 5/29/24 at 9:22 pm to BabyTac
850 for over a year
Posted on 5/30/24 at 9:22 am to BabyTac
According the LFS (Lexus Financial) the disclosed document given to me showed 815
Posted on 6/2/24 at 5:58 am to BabyTac
Found out it was 780 the other day when getting approved for a new home loan 
Posted on 6/2/24 at 5:12 pm to SanFranTiger
quote:that's not how it works. doesn't affect your credit score for 10 years I think.
819
will go down when i sell my house this summer and wont have a mortgage for a while
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