- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- 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
re: Buying a home is easier if you're white
Posted on 2/9/15 at 6:38 am to Will Cover
Posted on 2/9/15 at 6:38 am to Will Cover
Credit karma provides 2 different scores now.
0
Posted on 2/9/15 at 6:38 am to Will Cover
Notice how these studies have given up looking at Asian American statistics.
Posted on 2/9/15 at 6:41 am to LoveThatMoney
I think it's bullshite my credit score dropped about 20 points after my closing because I had multiple hard inquiries due to shopping around for the best interest rate.
Stupid shite. If I'm looking at 3.5% for 30 years vs 3.75 I'll take the 20 point hit to have lenders competing.
Stupid shite. If I'm looking at 3.5% for 30 years vs 3.75 I'll take the 20 point hit to have lenders competing.
Posted on 2/9/15 at 6:42 am to Will Cover
Has nothing to do with skin color.
Posted on 2/9/15 at 6:43 am to fightin tigers
I did read online that Credit Karma is now offering TU and EQ scoring. However, I'm not sure if this is your true FICO score. Always thought this had to be obtained from a lender or MyFico.com.
Posted on 2/9/15 at 6:43 am to CAD703X
quote:
Stupid shite. If I'm looking at 3.5% for 30 years vs 3.75 I'll take the 20 point hit to have lenders competing
It won't hurt you long haul. That'll go back up quickly. If you got dinged 200 points, then there'd be room to bitch. 20 doesn't matter unless it knocks you below 750, and even then it won't take long to get back.
Posted on 2/9/15 at 6:43 am to CAD703X
quote:
think it's bullshite my credit score dropped about 20 points after my closing because I had multiple hard inquiries due to shopping around for the best interest rate.
It is a penalty you pay. Worth it if you consider how much you save shopping around.
Posted on 2/9/15 at 6:44 am to Will Cover
quote:
did read online that Credit Karma is now offering TU and EQ scoring. However, I'm not sure if this is your true FICO score. Always thought this had to be obtained from a lender or MyFico.com.
It is probably a best guess/representation of what your score should be. Anyone loaning will do their own check anyway.
Posted on 2/9/15 at 6:46 am to CAD703X
If you shopped for mortgage rates and had hard pulls done within a 30 day period, it should only minimally impact your credit score, i.e. 5 points or so.
I don't allow anyone to pull my credit unless I know that I am going to do business with them. I tell them to give me the best case scenario and best rate available as I know going into meeting what my FICO score is.
I don't allow anyone to pull my credit unless I know that I am going to do business with them. I tell them to give me the best case scenario and best rate available as I know going into meeting what my FICO score is.
This post was edited on 2/9/15 at 6:47 am
Posted on 2/9/15 at 6:48 am to Will Cover
quote:I just noticed this.
My liver is so black right now, even it’s sleeping with 2 of the Kardashians.
Posted on 2/9/15 at 6:51 am to sec13rowBBseat28
Posted on 2/9/15 at 6:53 am to Will Cover
Story is retarded.
It's a commission based industry. Nobody gives a shite what color you are if you're stats meet underwriters req's. That's it.
Some underwriter taking money out a loan officers pocket for race is definitely worth the risk, especially with this administration.
It's a commission based industry. Nobody gives a shite what color you are if you're stats meet underwriters req's. That's it.
Some underwriter taking money out a loan officers pocket for race is definitely worth the risk, especially with this administration.
Posted on 2/9/15 at 6:53 am to CAD703X
quote:
I think it's bullshite my credit score dropped about 20 points after my closing because I had multiple hard inquiries due to shopping around for the best interest rate.
Mine went from 830-770 after buying a new car and I only went to one dealer.
Posted on 2/9/15 at 6:55 am to SG_Geaux
quote:
Mine went from 830-770 after buying a new car and I only went to one dealer.
I guess that depends on how it change your debt to income ratio.
Posted on 2/9/15 at 6:57 am to fightin tigers
I didn't think credit score used income
Posted on 2/9/15 at 6:58 am to yellowfin
quote:
didn't think credit score used income
Does it? No clue.
Figured adding more debt didn't help anyway.
EtA: maybe I am thinking potential debt. I have had a few.
This post was edited on 2/9/15 at 6:59 am
Posted on 2/9/15 at 6:59 am to fightin tigers
I'm black and I've never had trouble securing loans for anything. As long as you have a job and pay your bills on time, you shouldn't have a problem getting loans.
Posted on 2/9/15 at 6:59 am to SG_Geaux
I recently obtained a USAA American Express and American Express for Costco and as far as I can tell, my FICO score only dropped 5 points, according to the monthly FICO score I receive from my Discover credit card account.
For those in the industry and that pull credit reports frequently, what is the highest FICO score you have seen? What is most common? My wife, who takes no interest in financial matters or even where we bank at for that matter, has an 834 FICO score. Amazing I thought since I have paid all of her bills, which aren't many, for the last 15 years.
For those in the industry and that pull credit reports frequently, what is the highest FICO score you have seen? What is most common? My wife, who takes no interest in financial matters or even where we bank at for that matter, has an 834 FICO score. Amazing I thought since I have paid all of her bills, which aren't many, for the last 15 years.
Posted on 2/9/15 at 6:59 am to fightin tigers
Lenders will obviously want to know your income but it doesn't affect your score.
Posted on 2/9/15 at 7:00 am to yellowfin
Correct. The credit scoring model does not factor in income.
Page 2 of 9
Popular
Back to top
Follow TigerDroppings for LSU Football News