Post Your Fico Score

[enayes]

My FICO just got bumped up to 755. It will be higher as soon as my many credit card accounts are no longer considered "new".

What's your score?

:confusedshrug:

[BlazerRed]

Just moved to the US 6 months ago, started at the bottom and now I'm here (660).

[highwhey]

Just moved to the US 6 months ago, started at the bottom and now I'm here (660).
What country did you move from?

[nathanjizzle]

right now im around 730. im using about 30 percent of my credit though, once i get it down to maybe 10 percent my score will go up to 750+.

[BlazerRed]

What country did you move from?
Australia

[highwhey]

Australia
Cool. What type of credit system did you use over there to purchase a home, car, etc?

[BlazerRed]

Cool. What type of credit system did you use over there to purchase a home, car, etc?
The trust system.. kind of. They looked at how much you earned and whether you could afford to make the repayments based off of that. I guess they could check if you've defaulted on loans too. There's no number based system.

[irondarts]

771.

[enayes]

Please add # of credit cards and your age when u post your score.

I'm 25, 9 credit cards right now, 755 FICO

[Jailblazers7]

Please add # of credit cards and your age when u post your score.

I'm 25, 9 credit cards right now, 755 FICO

Hold my dick.

[Akrazotile]

Posting your FICO score is like posting your c0ck size. If you dont back it up with a pic - youre lying.


Mine is 900 btw.

[DCL]

828.

[Jailblazers7]

Posting your FICO score is like posting your c0ck size. If you dont back it up with a pic - youre lying.


Mine is 900 btw.

After that post, the only thing I'm interested in is your **** size.

[Akrazotile]

After that post, the only thing I'm interested in is your **** size.


It isnt measured with numbers. Its measured with three letters:

B.I.G.

[Jailblazers7]

It isnt measured with numbers. Its measured with three letters:

B.I.G.

:oldlol:

[Bandito]

Dont know what Fico is but trans: 745, Equifax:770


Im 29

[bigkingsfan]

801 - I have eight credit cards, everything paid off.

[enayes]

My score has been going up and down as I continue to churn credit cards, earning hundreds of dollars and free flights/hotel stays.

I've started closing some of my cards after maxing out the rewards. I have 10 cards right now, I've closed 4-5 in the last year.

My credit score has been staying in the 730-760 range.

[highwhey]

What is life when you steal yet have no remorse?

[enayes]

What is life when you steal yet have no remorse?

Elaborate.

[highwhey]

Elaborate.
How do you live with yourself?

[stalkerforlife]

509.

[enayes]

How do you live with yourself?

Each day I wake up and shower.

I have at least 2 eggs everyday (but not first thing in the morning).

I spend quality time with my dog and wife.

I mix consumption of coffee and tea throughout the day, been starting to drink more tea lately. Jasmine green tea and Irish breakfast black.

Should I continue?

[highwhey]

Each day I wake up and shower.

I have at least 2 eggs everyday (but not first thing in the morning).

I spend quality time with my dog and wife.

I mix consumption of coffee and tea throughout the day, been starting to drink more tea lately. Jasmine green tea and Irish breakfast black.

Should I continue?
No. It's clear your conscious has become adapted to stealing, lying, and cheating.

[Brujesino]

low 700's

[highwhey]

low 700's
You're probably the Mexican with the highest credit score.

[Brujesino]

You're probably the Mexican with the highest credit score.
As a child I was told the better my credit score the more pinata's and tacos i'll have at my birthday partys

[highwhey]

As a child I was told the better my credit score the more pinata's and tacos i'll have at my birthday partys
:lol

All my tios taught me was to 'pistear'.

[rufuspaul]

768

My wife's is like 845. Guess whose name our mortgage is under.

[UK2K]

27, have a 690 score. Only one credit card with a $6500 limit, I pay it off once I hit $200-300 or so. No debt.

Score is low because I was a piece of shit and maxed out a $1000 credit card when I was 18 and had no way to pay it back. But, its going up 6-8 points every month.

[HitandRun Reggie]

My median credit score is 805. It used to be higher. I'm still trying to figure out exactly why it dropped. I pay my bills on time, and my debt to income ratio is lower than before.

[rufuspaul]

My median credit score is 805. It used to be higher. I'm still trying to figure out exactly why it dropped. I pay my bills on time, and my debt to income ratio is lower than before.

When it drops a few points for no reason it's most likely due to inquiries.

[enayes]

768

My wife's is like 845. Guess whose name our mortgage is under.

What has your wife done differently than you to have such a high score? How many credit cards does she have?

[rufuspaul]

What has your wife done differently than you to have such a high score? How many credit cards does she have?


We both have 2 cards. I think a lot of it has to do with my business debt, receivables and billing accounts. Plus whenever I use a new lab, vendor, etc it results in a lot of inquiries.

[HitandRun Reggie]

When it drops a few points for no reason it's most likely due to inquiries.

Hmm that's not what I've been told, because I asked about that very same thing. I was told that credit inquiries only hurt your score if you have a below average credit score. Pings against strong credit scores mean very little. My bank manager said only the credit bureaus have the real formulas but this was the general consensus.

[aj1987]

Why do some of you have so many credit cards!? I know it helps bump up your credit score, but still. I absolutely hate using credit cards.

[UK2K]

Why do some of you have so many credit cards!? I know it helps bump up your credit score, but still. I absolutely hate using credit cards.
Rewards.

[enayes]

Why do some of you have so many credit cards!? I know it helps bump up your credit score, but still. I absolutely hate using credit cards.

Because you can continuously EARN MONEY and FREE FLIGHTS/HOTEL STAYS for using credit cards and keeping an eye out on new offers. Look up credit card churning.

Why do you hate credit cards? Most people have a bad opinion formed in their mind from their friends/family, something along the lines of "credit cards are evil" or my favorite "if you don't have the cash you shouldn't buy it".

Credit cards can be exploited to benefit the consumer. Some churners have taken 1st class international trips for FREE. Educate yourself.

[DCL]

credit scores are pretty irrelevant if you're already above a pedestrian 760, which is not any kind of grand achievement at all if you just do what you're friggin supposed to do. just pay your shit on time and never miss a payment, and it'll hit that score eventually by default. it's not rocket science. auto-payment features have been around for a very long time. so use it and get with the program. if you are still missing any kind of monthly payments due to FORGETTING, you are a moron.

the thing with credit scores is that they dont reward you if you have an excellent score. it makes very little to no difference whether your score is 770 or 833. both scores imply you are financially responsible and never miss payments. my credit score is in the 99 percentile range. you might think i get extra special benefits with my score but there are none because im not getting any special terms over the guy with a 770. once you've reached the threshold range, anything higher doesnt mean jack in credit evaulation. the banks will just glance at your credit report, see there's no reason to check up on anything, and then move on to analyze other stuff like your income and asset/debt shit.

[enayes]

credit scores are pretty irrelevant if you're already above a pedestrian 760, which is not any kind of grand achievement at all if you just do what you're friggin supposed to do. just pay your shit on time and never miss a payment, and it'll hit that score eventually by default. it's not rocket science. auto-payment features have been around for a very long time. so use it and get with the program. if you are still missing any kind of monthly payments due to FORGETTING, you are a moron.

the thing with credit scores is that they dont reward you if you have an excellent score. it makes very little to no difference whether your score is 770 or 833. both scores imply you are financially responsible and never miss payments. my credit score is in the 99 percentile range. you might think i get extra special benefits with my score but there are none because im not getting any special terms over the guy with a 770. once you've reached the threshold range, anything higher doesnt mean jack in credit evaulation. the banks will just glance at your credit report, see there's no reason to check up on anything, and then move on to analyze other stuff like your income and asset/debt shit.

With such a high score you are in a prime position to take advantage of the most lucrative offers available. That's one benefit I can see.

[stalkerforlife]

501 now.

Is that good?

[ArbitraryWater]

I'm in the 4 digits

[rufuspaul]

I was told that credit inquiries only hurt your score if you have a below average credit score.

Wrong. They don't really hurt your score but they will knock it down a few points during that period.

[97 bulls]

Lol. The Internet. Everyone is 6'4 215 lbs, making no less than 6 figures, the nicest homes, cars etc with a credit score in the top 10 percent.


Oh and a large pickle.

[Styles p]

766

[stalkerforlife]

Lol. The Internet. Everyone is 6'4 215 lbs, making no less than 6 figures, the nicest homes, cars etc with a credit score in the top 10 percent.


Oh and a large pickle.

:lol