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.

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

I just got mine written at the bottom of my discover bill and I'm not sure I'm ok with this. I kind of find it invasive and didn't ask for it and its none of their business anymore.

6

its been a rough couple of years

Anonymous wrote:

Anonymous wrote:790-810 or so, on the low end now because we've been doing a major renov/addition so monthly credit card bills are high (but paid in full each month). That's the part the score can't see (that while the balance may be high these few months, there is ~300 times the balance in available savings to pay it from).

Your score drops even though you pay on time and in full?

I think about 35% of your score is your debt to limit ratio - so if they are using a higher percentage of their credit limit than is "normal," then yes, your score would drop.

Anonymous wrote:790-810 or so, on the low end now because we've been doing a major renov/addition so monthly credit card bills are high (but paid in full each month). That's the part the score can't see (that while the balance may be high these few months, there is ~300 times the balance in available savings to pay it from).

Your score drops even though you pay on time and in full?

I got a 773. Will this number go up once I pay off the last of my credit card debt next month (YAY!)?

790-810 or so, on the low end now because we've been doing a major renov/addition so monthly credit card bills are high (but paid in full each month). That's the part the score can't see (that while the balance may be high these few months, there is ~300 times the balance in available savings to pay it from).

812

OP is keeping a black book on each poster?

[quote=Anonymous]I have done credit underwriting for a living for 15 years. I have analyzed probably close to 100,000 credit reports. A few notes:

1. I love credit karma. It does provide a Trans Union score every quarter for you (you have to log on an click update). They will have free promos etc (which is how they make their $), but you can opt out.

2. The free annual credit report site will give you one free report with each 3 bureaus but no score. There is no credit score and fico score as a PP indicated. There is a PLUS score, Vantage score, and FICO score. Vantage is fairly new and is the result of the three bureaus working together to create model.

3. In my 15 years of credit, I have not seen one person under 35 (even under 42 is rare) to have all three fico scores in the 800s. Even if a parent added you as authorized user, one would have to have a combination of revolving and installment debt for 10-15+ years to get into the 820s.

4. Many years ago, credit agencies stopped allowing piggyback credit (being added as user of credit card to help with your credit) being factored into your personal score. The account may still be on your report, but the influence is no longer allowed.

5. Credit agencies (TU, Experian and Equifax) do not have to disclose their calculati[/quote]

I love Credit Karma.
Have you used Credit Sesame??

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:560 something. CLEARLY I WIN.

569! Wanna be friends? We can hang out in my van down by the river.

Make room for me!

-550'er

me too. I think last time Ichecked it was around 580, but that's been quite a while. I got a capital one card and Ann using it for the stuff is normally pay cash for andpaying it off each month in order to help my score. I've been doing that about three months, and will check my score in a few months.

828 as of last round...

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:560 something. CLEARLY I WIN.

569! Wanna be friends? We can hang out in my van down by the river.

Only if you have candy and/or beer.

Doritos and malt liquor...deal?

Anonymous wrote:

Anonymous wrote:560 something. CLEARLY I WIN.

569! Wanna be friends? We can hang out in my van down by the river.

Make room for me!

-550'er

Anonymous wrote:

Anonymous wrote:560 something. CLEARLY I WIN.

569! Wanna be friends? We can hang out in my van down by the river.

Only if you have candy and/or beer.

It was high 700's a few months ago. Now I'm too scared to check