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re: Credit score check in - What’s your credit score?
Posted on 9/8/25 at 1:00 pm to MattA
Posted on 9/8/25 at 1:00 pm to MattA
Mine was 828 a few months ago.
I closed a CC account, bought a Jeep for cash, and opened a commercial fuel account.
Checked it b/c of this thread and its like 760.
No debt at all for 15+ years...
Scam, for the most part...
I closed a CC account, bought a Jeep for cash, and opened a commercial fuel account.
Checked it b/c of this thread and its like 760.
No debt at all for 15+ years...
Scam, for the most part...
3
Posted on 9/8/25 at 1:32 pm to N2cars
quote:
Checked it b/c of this thread and its like 760.
No debt at all for 15+ years...
Scam, for the most part...
760 is great credit pretty much everywhere but this thread. Closing a CC account is probably what hurt you.
Posted on 9/8/25 at 2:25 pm to deathvalleyfreak43
Capital One mortgage lady said she hadn't seen and man/wife combo as high as Big Boss and myself! Had seen higher individual, but not combo..Twas 20 years ago so IDK bout current-probably off the chart.
Posted on 9/8/25 at 2:32 pm to deathvalleyfreak43
Credit score without how much credit you have is meaningless. I used to write credit policies and an 800 is great but if you have 5k revolving I’m not approving nothing
Posted on 9/8/25 at 2:59 pm to deathvalleyfreak43
I don't have one, nor a FICO score. Don't need one.
Been on a cash basis for the past 18 years.
Been on a cash basis for the past 18 years.
Posted on 9/8/25 at 3:06 pm to deathvalleyfreak43
822 for my immigrant brown Latino arse
Posted on 9/8/25 at 3:30 pm to deathvalleyfreak43
I don't really care but I know it's in the excellent range.
What's important to me is my kids' credit scores when they turn 18. So far we only have one that is 19 but he had about a 790 on his 18th birthday. He's already financed a used car and pays his own insurance all in for just under $500/month. Pretty proud of him.
What's important to me is my kids' credit scores when they turn 18. So far we only have one that is 19 but he had about a 790 on his 18th birthday. He's already financed a used car and pays his own insurance all in for just under $500/month. Pretty proud of him.
Posted on 9/8/25 at 4:08 pm to iwyLSUiwy
Yeah, agree.
No one's getting a better interest rate at 760 vs 820.
No one's getting a better interest rate at 760 vs 820.
Posted on 9/11/25 at 6:39 am to N2cars
yep i dont get it. we sold a house and i close two accounts and it literally dropped 100 points. 100 damn points overnight.
Posted on 9/11/25 at 7:16 am to Jimmyboy
quote:
How can I find my score without lowering it?
See if this site helps
LINK https://www.creditkarma.com/free-credit-score
Posted on 9/11/25 at 9:32 am to deathvalleyfreak43
844 on Citi which uses Equifax.
829 on Barclays that uses Transunuion.
Over 40k credit between the two of them.
I pay my credit card bills monthly with no balance and have only a mortgage of outstanding dept.
829 on Barclays that uses Transunuion.
Over 40k credit between the two of them.
I pay my credit card bills monthly with no balance and have only a mortgage of outstanding dept.
Posted on 9/11/25 at 9:44 am to Gorilla Ball
Bc its all horseshite now.
Waaaaaay too many people had excellent credit so it became increaseingly difficult for lenders to get even slightly higher interest rates from borrowers.
Credit agencies conspired to "reevaluate " how they scored individuals. Now, any action, even positive ones, will result in a lowered score.
Now, of course, you can purchase products, from them, to "raise" your score.
This is very similar to the Dun & Bradstreet scam where they extorted small business owners with fake "bad credit" info to sell them products to erase those bad credit "occurrences". D&B, in AZ, was creating the fake reports.
Those cocksuckers tried to do shite that to us.
That's next for the consumer.
ETA: spelling, and to say D&B sucks
Waaaaaay too many people had excellent credit so it became increaseingly difficult for lenders to get even slightly higher interest rates from borrowers.
Credit agencies conspired to "reevaluate " how they scored individuals. Now, any action, even positive ones, will result in a lowered score.
Now, of course, you can purchase products, from them, to "raise" your score.
This is very similar to the Dun & Bradstreet scam where they extorted small business owners with fake "bad credit" info to sell them products to erase those bad credit "occurrences". D&B, in AZ, was creating the fake reports.
Those cocksuckers tried to do shite that to us.
That's next for the consumer.
ETA: spelling, and to say D&B sucks
This post was edited on 9/11/25 at 4:12 pm
Posted on 9/11/25 at 2:49 pm to N2cars
Thanks for sharing this information
Posted on 9/11/25 at 3:10 pm to N2cars
quote:
Mine was 828 a few months ago.
I closed a CC account, bought a Jeep for cash, and opened a commercial fuel account.
Checked it b/c of this thread and its like 760.
No debt at all for 15+ years...
Scam, for the most part...
Mine was in the 800s and I took a huge hit when I paid off my student loans that never recovered. I was at 790 at the end of August, now its 766 and the only change was my total debt went up by $1,000. Its just my credit card I pay off every single month.
Other than that I just have a mortgage. I fear I need to take on more debt to get back over 800 and I just don't want to so...
Posted on 9/11/25 at 4:06 pm to Gorilla Ball
Hardearned and I fought D&B and made their bitch arse quit.
I might not be perfect, but I never beat anyone out a frickkng nickel.
Got in the WSJ for that...
I might not be perfect, but I never beat anyone out a frickkng nickel.
Got in the WSJ for that...
Posted on 9/11/25 at 4:08 pm to HoustonChick86
766 is fine.
Most every loan you get is secured by collateral anyway...
Unless you're financing 110% of value, you'll get excellent rates at 766.
ETA apologize for the language in previous post.
Most every loan you get is secured by collateral anyway...
Unless you're financing 110% of value, you'll get excellent rates at 766.
ETA apologize for the language in previous post.
This post was edited on 9/11/25 at 4:14 pm
Posted on 9/11/25 at 4:09 pm to deathvalleyfreak43
740s. Credit card SUB churned a bit this year
Posted on 9/11/25 at 6:57 pm to deathvalleyfreak43
7
Posted on 9/11/25 at 9:03 pm to deathvalleyfreak43
850. Pay on time and very little debt. Not that it matters. It’s a scam.
Posted on 9/12/25 at 7:44 am to deathvalleyfreak43
789 -
House paid off
cars paid off
Pay of CC balance every month
House paid off
cars paid off
Pay of CC balance every month
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