What's your FICO Credit Score?

[ElFenix]

I think it is once per statement. As in, it updates once per statement, can you can view that score whenever (and it is unlikely that it changed between the time your statement hit and week or two later unless you knew something big was going to hit).

per discover your score can fluctuate ~20 points without anything actually changing. not sure how that works. mine has fluctuated that much since discover started printing the score on the statement.

 

[D1gger]

811 as of last November. I haven't checked it since then.

 

[Exophase]

Haven't checked it in a while, and I don't care an awful lot about it because I don't think I'll ever need credit (although I guess if I have to buy a house or condo it'd be better to get a good mortgage on it than to pay for it upfront)

Last time I did check it it was lower than it should have been, I think around 700. I was hit by a medical bill for a few hundred dollars that was outstanding for a few years because I moved before it was mailed out, and I never bothered to set a forwarding address with the post office. I was also hit by some old student loan payments I forgot to make on time - that was becoming such a problem that I just paid off that loan (while my other loan was always handled as direct withdrawal)

That stuff was quite a while ago now, so some if not all of it should have rolled off. I know every time in the past several years that I tried to sign up for my bank's credit card (that they'd urge me to do) I was being declined. They did happen to be checking the score that was the worst of the three. I also tried cosigning for someone's student loan that got declined, but they only listed one minor issue for me and several issues for her so I probably didn't drag it down alone.

 

[Engineer]

Haven't checked it in a while, and I don't care an awful lot about it because I don't think I'll ever need credit (although I guess if I have to buy a house or condo it'd be better to get a good mortgage on it than to pay for it upfront)

I could be mistaken but IIRC, rates on other products, such as insurance, are influenced by your credit score so it's not just loans that are effected by it.

 

[Exophase]

Okay, I looked at it on my credit card account site, it's 736 - not awful but still lower than it should be.

The score comes with a breakdown of grades in different categories. I have an "A" in on-time payments and new accounts, a "B" in oldest credit line and recent inquiries, a "C" in credit utilization and a "D" in available credit. It looks like the biggest thing holding me back here is that my credit line is too low. So even though I pay my whole balance every month, I still use up too much of my available credit during the month (resulting in the C in utilization, which has a high impact) and I have too little available overall (resulting in the D in available credit - which has a low impact). I guess it's about time I asked my credit card provider for more credit - it's remained the same for like 10 years.

I could be mistaken but IIRC, rates on other products, such as insurance, are influenced by your credit score so it's not just loans that are effected by it.

My health insurance rate isn't. I don't know about my car insurance, but I'm currently jointly named with someone who has a much credit rating than I do, but it's still not enough for me to really care about.

 

[smackababy]

Exophase, you should monitor it if for not other reason that it is an easy way to ensure you aren't the victim of identify theft (a term that I hate...). Someone applying for a loan or line of credit with your information could very well get accepted and they certainly won't make any payments. The longer it sits unknown the harder it is to sort out.

 

[Kadarin]

A few weeks ago when I refinanced my car it was 830.

 

[Exophase]

Exophase, you should monitor it if for not other reason that it is an easy way to ensure you aren't the victim of identify theft (a term that I hate...). Someone applying for a loan or line of credit with your information could very well get accepted and they certainly won't make any payments. The longer it sits unknown the harder it is to sort out.

Good point. Thanks for the advice.

FWIW, I went on my credit card account page and clicked a link to ask for more credit line and was given another $2k automatically.. that was pretty easy ;p

 

[HendrixFan]

You did it right. Anything over 760 is gravy.

This is true. There are little to no areas in which a score of 770 gives you worse loan options than an 800.

 

[CZroe]

...Also, why does the poll have so many low end options? My wife's credit got shot to hell through her early 20s and she's still above 620. How bad do you have to screw up to get a credit score in the low 500s?

And, as fate would dictate, the OP left that part of the range out. LOL!

 

[kinev]

828

 

[datalink7]

758 last check. Been slowly raising it from some screw-ups in my early 20's (I'm 31).

 

[MongGrel]

over 9000

You read my mind

On that note it's fine along with my wife's, I was going to look but she actually said it tends to ding it when you do look so I won't bother.

 

[postmortemIA]

not the best options. 760-800 and 800+ should be the options.
630-659
580-619
what about 620?

 

[Engineer]

Exophase, you should monitor it if for not other reason that it is an easy way to ensure you aren't the victim of identify theft (a term that I hate...). Someone applying for a loan or line of credit with your information could very well get accepted and they certainly won't make any payments. The longer it sits unknown the harder it is to sort out.

Credit report monitoring....yes....score, only if you feel the need.

 

[boomhower]

Around 720 depending on which score you look at, mainly high UT holding it down. Perfect payment history. I've dealt with bad credit and learned the hard way how bad that sucks.

 

[Demo24]

752 right now, kind of fluctuating a bit right now. I suspect it will go up more in the coming months as I drop a card with a lot on it. Unfortunately also lower income with a lot of recent unavoidable expenses, so that's probably hurting me as well.

Most of the reports tell me it won't go up much until I get a mortgage , dunno how true that is though.

 

[clamum]

So I went to the AnnualCreditReport website since it's been over a year since I got one, and checked the TransUnion and Equifax reports to get.

I got the TransUnion one and after reviewing it, clicked the "Score" tab to see my credit score. It was blank. Thought "well that's stupid" and decided to move on to the Equifax one. This one had me answer about four questions to confirm identity but they asked about a mortgage (I've always rented apartments) and a bank card and the options for each I had never heard about, so I just clicked "None of the above" for those two questions. Clicked the button to continue and it said "We're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online." So I gotta mail some crap in if I want to get it? I guess I failed the identity check, but that was fuckin bullshit.

 

[Red Squirrel]

Is FICO the scale that goes up to 850? If yes mine is 824 but that was several years ago. I'd have to check again. Only reason I found out is because the bank kept harassing me about buying this kind of insurence against ID theft so I finally gave in just to shut them up and canceled it after. Part of the package I got in the mail had my credit score on it.

 

[Raduque]

The only real FICO I have is from my Walmart card - it's a TU04 model, I believe, and is a 626. I have a few negs that I have been fighting with. Two utility collections that are actually not mine, but they're attached to an address that I lived at, which TU won't remove.

I also went one 30-day late on a loan due to moving and changing jobs, even when I told the company I was going to be late, and they assured me (should have gotten it in writing) they wouldn't report it late.

High util, too, due to living off my cards while I moved. But, I haven't missed a payment on anything since November of last year. Once I get my util sorted, the score should go up around 25ish points, and when the negs start dropping off next year, it should shoot up.

 

[DrPizza]

Wow, national average is 689. 92% of ATOTers are well above the national average.

 

[Imp]

Never checked it before... Not interested. No want car, no want mortgage, have beaucoup credit cards -- I stupidly overpay and lend free money to bank.

 

[Leyawiin]

811 last I checked. I paid off my 30 year mortgage 28 years early (thanks to a generous aunt that passed). Have no idea if that helped or hurt.

 

[bbhaag]

We applied for a home equity loan a few years ago. The loan manager showed us a piece of paper saying my score was a bit over 800.
That was the last time I actually saw my credit score. Like a true ATOT playboy I just guess what my score is and post it.

 

[MrDudeMan]

806 last time I checked. I'm 29.