Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

That's impressive. Usually someone in their mid 20s doesn't have enough credit history to break the 800s.

Mine bounces around between the high 700s and low 800s depending on when in the month it is and how recently we've paid off that month's credit card balance. We've always qualified for the best rates on loans, etc though, so I'm not at all concerned about it.

My dad purposely had us with joint credit card account n college. We were allowed only $30/month use to establish some form if beginning credit. This was the start at 18. I followed the rules siblings were revoked by my dad in 60 days. I've always been fiscally conservative- ha!

Theres a site called credit karma or something like that, you can get a free score there 4x a year. It has advertising on it but you dont have to sign up for anything to get your score.

Mine varies between 780 and 805 depending on which agency youre looking at.

Anonymous wrote:

Anonymous wrote:Where can you get your credit checked for free? I haven't a clue what my number is.

Haha you can't. Even though your credit score determines so much.

It annoys me to no extend how MY score and MY information are not free and open to me looking at them whenever I please. It's a scam.

Discover now gives you your FICO score on each credit card statement. Thanks, Discover!

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

You're married. Hopefully you're not looking to "get involved" with anybody!

. Nope! We are working on teaching our kids responsible saving, responsible spending and the importance of good credit (and not marrying a spouse with horrible credit:.

I think it is fantastic that you're teaching your children the importance of saving and responsible spending.
I didn't even know how to balance a checkbook when I left home.
While it is important to look out for your best interests, I do hope you're not teaching your children to look down upon people with poor credit. It has nothing to do with the quality of their character.
As a young person, I had bad credit. I made poor decisions in college and had not been taught about managing finances as a kid.
As a result, I have had to spend the last 10 years digging myself out of the mess I made.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

You're married. Hopefully you're not looking to "get involved" with anybody!

. Nope! We are working on teaching our kids responsible saving, responsible spending and the importance of good credit (and not marrying a spouse with horrible credit:.

Oh and along with good credit--their future spouses should be sucking away at least 10% each pay period for retirement.

Another thing --now in my mid-40s my parents stressed the importance of...just read retirement fund ?s in another thread.

'Socking away'--not 'sucking'!

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

You're married. Hopefully you're not looking to "get involved" with anybody!

. Nope! We are working on teaching our kids responsible saving, responsible spending and the importance of good credit (and not marrying a spouse with horrible credit:.

Oh and along with good credit--their future spouses should be sucking away at least 10% each pay period for retirement.

Another thing --now in my mid-40s my parents stressed the importance of...just read retirement fund ?s in another thread.

Wow, file this thread under the "don't open if you're at all depressed about your own personal finances". Same goes for:

"What is your HHI?"
"How much have you saved for retirement?"
"How much does your big law job pay"

Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

That's impressive. Usually someone in their mid 20s doesn't have enough credit history to break the 800s.

Mine bounces around between the high 700s and low 800s depending on when in the month it is and how recently we've paid off that month's credit card balance. We've always qualified for the best rates on loans, etc though, so I'm not at all concerned about it.

True. The largest percentage of the score is credit history. No way you can have much of one in your mid-20s.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Where can you get your credit checked for free? I haven't a clue what my number is.

Haha you can't. Even though your credit score determines so much.

It annoys me to no extend how MY score and MY information are not free and open to me looking at them whenever I please. It's a scam.

yes it is. there's a law saying each majorreporting agency has to give you free report once a year. Google free annual credit report. what they don't give free is your fico score butthat's not the same as your credit score.

This isn't what I'm asking for. I want to see it any time I want so that I can correct errors and see if new accounts are opened fraudulently. Once a year is not enough. It's like never getting medical records from your doctor, but having other people keep telling you there's problems. I think Congress needs to fix this since every year they come up with new ways for our credit scores to be held against us.

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

That's impressive. Usually someone in their mid 20s doesn't have enough credit history to break the 800s.

Mine bounces around between the high 700s and low 800s depending on when in the month it is and how recently we've paid off that month's credit card balance. We've always qualified for the best rates on loans, etc though, so I'm not at all concerned about it.

Anonymous wrote:785. I seriously don't know how to get it higher. I've never once been late on anything. DH was just below 785 and we couldn't get the best credit scores because of it (although I was told by a different broker that 765 was their cut off). SOOO frustrating!! He's never been late on anything either, he just has a few student loans he's still paying on.

Age of accounts/length of credit history is part of it, so its impossible to have a top score in your early 20's. As you get older, if you keep paying on time, it will go up.

Anonymous wrote:

Anonymous wrote:Where can you get your credit checked for free? I haven't a clue what my number is.

Haha you can't. Even though your credit score determines so much.

It annoys me to no extend how MY score and MY information are not free and open to me looking at them whenever I please. It's a scam.

yes it is. there's a law saying each majorreporting agency has to give you free report once a year. Google free annual credit report. what they don't give free is your fico score butthat's not the same as your credit score.

803. Wife's is 798. Hahaha.

Anonymous wrote:Where can you get your credit checked for free? I haven't a clue what my number is.

Haha you can't. Even though your credit score determines so much.

It annoys me to no extend how MY score and MY information are not free and open to me looking at them whenever I please. It's a scam.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Dh and I have always been around 820+ since we met in our mid-20s. Huge source of pride and we are competitive about it....somebody always ends up one point or so above the other.

I'd never get involved with somebody with bad credit.

You're married. Hopefully you're not looking to "get involved" with anybody!

. Nope! We are working on teaching our kids responsible saving, responsible spending and the importance of good credit (and not marrying a spouse with horrible credit:.

I hear your point; I'm the poster above who married a man with a lot of debt. Paying it off in a short amt of time (something like $80k paid off in less than 2 years) and now DH has credit in the 800s. I realize not everyone is in the position to pay it off so quickly, and DH wanting to learn and not being happy with his debt helped.