Post Your Credit Score!

[thegimp03]

793. Got the report about 2 months ago.

 

[DT4K]

Originally posted by: Chapbass

Originally posted by: armstrda
822 here, have a mortgage and a car payment plus ~10k in student loans. I have 3 credit cards that i rotate each month, that way the credit score can rise when it sees that i pay the card each month. I learned this the hard way about 4 years ago. I had 1 card that we paid everything on (~2500 each month) and paid each month, however, my credit score was falling because each month it would look like i just made the minimum payment as the balance always looked steady around 2500. So if you want credit cards to help your score, you need to pay off each month, and cycle the months you use them. Really lame, but people like us are the exception to most people out there.

is this for reals? maybe i should start doin that... im in a similar situation but 1200-1500 instead of 2500

You don't have to rotate them. You just have to time your payments correctly. Most CC's report once a month. Normally, it's the same day each month. Some CC's may report your current balance when they report. Many will report your last statement balance instead. If you check your credit report, you can figure these things out, then time your payment so the card will report 0 or close to 0 balance.

For instance, my Citi cards always report the previous statement balance. So if I make sure that I pay off the balance a couple days before the statement date, they will always report 0 balance.

As for my scores, they are now in the mid to upper 600's. Four years ago, my score was around 500, but I've been a good boy since then and it's steadily gone up. I'd probably be at 700 by now, except I took a hit for getting a bunch of new accounts a few months ago (2 Amex, 2 Citi, and a few others).

 

[pmoa]

676 with 60K in school debt, a car note, couple cc balances about 2K and 700 bucks and now a mortgage....

 

[UNCjigga]

Mine was 754 when I bought my VW...before I crashed it.

I'm not sure what impact consolidating my student loans had on it.

 

[wasssup]

I checked a few months ago and it was an 803. I co-financed a new car with my father when I was 18, didn't take any loans out (parents paid for college), and now since my parents moved 1600 miles away and didn't want to sell their house I'm living "at home" (so no mortgage, etc).

I'm 26 btw.

 

[Suspicious-Teach8788]

749 over a year ago. I was 19 then

 

[jamesbond007]

Originally posted by: wasssup
I checked a few months ago and it was an 803. I co-financed a new car with my father when I was 18, didn't take any loans out (parents paid for college), and now since my parents moved 1600 miles away and didn't want to sell their house I'm living "at home" (so no mortgage, etc).

I'm 26 btw.

You got it made!

 

[Aztech]

Another 803 here. I was pleasantly surprised when I got my score a few days ago. I've had huge credit card balances, and paid lots of interest, but in the end I've always been bailed out by some money from somewhere. I still have to be careful with credit cards, because I tend to get behind...

 

[zoiks]

757

 

[CrackRabbit]

-8 or something close to that.

 

[Blazin Trav]

600-700, why? A credit report will show you where you stand vs. everyone else... I'm not sure what this thread will reveal for you.

 

[KillerCharlie]

793... and according to Experian that's better than 99% of US consumers. I'm only 22 - the credit got good through having a joint credit card with my dad.

 

[axelfox]

851

 

[imported_Lothar]

If you don't have a credit card, will you get a FICO score?
I don't have one, but will have ~$50k debt from subsidized school loans debt to pay when I get out by next year.

Mine is just a Bank of America check card with a VISA logo on it.
At first I've always thought it was a credit card because the VISA logo was on it, but was told it's not a credit card about 3 years ago.

So far, I've pretty much refused a lot of credit card offers on my campus...
Offer: Get a school bag for free.
Condition? Sign up for a credit card.

Offer: Get a year subscription of "Washington Times" delivered and a school bag free.
Condition? Same as above.

Offer: Free food at McDonalds(there were ads all over the place with no mention of anything but just free food)
Condition? Same as above...I'm actually disgusted that people actually waited in line to sign up to a CC for a free meal ticket.

Originally posted by: Naustica
I'm too cheap to pay for my score.

Seconded.
I'm not willing to pay for this score.
If there's anywhere else I can see it or can be done for free without having to put my billing information, I'll do it.
Otherwise, I'll wait till after I graduate before paying for a FICO score.

 

[Caesar]

Equifax: 769 (1/27/07)
Experian: 774 (2/11/07)

 

[totalcommand]

how do you get the score?

 

[FoBoT]

11,000,000

 

[slimrhcp]

737 as of last month. Not bad for a 22 year old.

 

[smack Down]

Originally posted by: Lothar
If you don't have a credit card, will you get a FICO score?
I don't have one, but will have ~$50k debt from subsidized school loans debt to pay when I get out by next year.

Mine is just a Bank of America check card with a VISA logo on it.
At first I've always thought it was a credit card because the VISA logo was on it, but was told it's not a credit card about 3 years ago.

So far, I've pretty much refused a lot of credit card offers on my campus...
Offer: Get a school bag for free.
Condition? Sign up for a credit card.

Offer: Get a year subscription of "Washington Times" delivered and a school bag free.
Condition? Same as above.

Offer: Free food at McDonalds(there were ads all over the place with no mention of anything but just free food)
Condition? Same as above...I'm actually disgusted that people actually waited in line to sign up to a CC for a free meal ticket.

Originally posted by: Naustica
I'm too cheap to pay for my score.

Seconded.
I'm not willing to pay for this score.
If there's anywhere else I can see it or can be done for free without having to put my billing information, I'll do it.
Otherwise, I'll wait till after I graduate before paying for a FICO score.

Hey if some one wants to give me free food for entering made up credit card applications I'm all for it.

 

[Feldenak]

Originally posted by: Naustica
I'm too cheap to pay for my score.

 

[thomsbrain]

802 as of a couple months ago. built that up from two credit cards, though i've never carried a balance on them. that was my score when i financed my new used car. i expect it will be significantly higher by the time i pay the car off.

 

[Gillbot]

Originally posted by: Naustica
I'm too cheap to pay for my score.

 

[dr150]

790 (same as my old version math SAT score)

 

[Feldenak]

Well, I broke down and ordered all 3 reports from myfico...I've got a mess on my hands. I've got things on my report that aren't mine, they belong to my parents (my father and I have the same first name & middle initial). These items are driving my credit rating(s) into the crapper b/c it shows me living well beyond my means.

 

[elmro]

758 last week ... never carried a balance and never put more than a few hundred dollars on the 1 card i use.