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[quote=Anonymous]I just looked at my Discover statement, and it had me at 820.  WOOHOO!

Our scores were both in the mid-700s in our mid-20s when we did our first house hunt, and we were told by the couple brokers we talked to that they were some of the highest they had seen for people in their mid-20s.

I had a blip on my credit record that wasn't me about 10 years ago.  My social security # somehow got crossed with someone who shared my first name who ran out on a large sprint bill.  It took me a LONG time just to clear that up, and I still don't think it was actual credit fraud/identity theft (I honestly think it was someone who hit a wrong key somewhere along the way).  It knocked my score below 700 for a short time - which we only found out when we went to refinance our house after the market collapsed in 2008 and they weren't allowing any mortgages for people under 750 (thank goodness we could do it with just my husband's income and score).

My biggest credit problem at this point is that I can't seem to remove the fraud alert I placed on my cards after the stupid social security mix-up.  I can't get any store cards because of it, and it is a massive pain in the ass to attempt to remove because you can't get anyone on the phone at any credit agencies.[/quote]

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