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Subject: "How that credit score looking & how old are you?" Previous topic | Next topic
SoulSeeker
Member since May 07th 2003
1106 posts
Wed Feb-10-21 11:40 AM

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"How that credit score looking & how old are you?"


  

          

720 ("good" - needs work)
52 yrs old in March.

  

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Topic Outline
Subject Author Message Date ID
821, 38 years old
Feb 10th 2021
1
RE: 821, 38 years old
Feb 10th 2021
6
      Nah, didn’t take the whole decade
Feb 10th 2021
26
880, 37yo
Feb 10th 2021
2
RE: 880, 37yo
Feb 10th 2021
4
      JEEZUS. Sorry 780*. No idea why I had 880 in my head lol.
Feb 10th 2021
9
I let it slip after I bought my crib in 2017
Feb 10th 2021
3
RE: I let it slip after I bought my crib in 2017
Feb 10th 2021
5
702, 40.
Feb 10th 2021
7
I think my score plateaued because I don't use much credit
Feb 10th 2021
8
Credit Karma doesn't have the ability to "ding" you, tho
Feb 10th 2021
16
bad but on the right track
Feb 10th 2021
10
700.. it dipped from 749 for some reason
Feb 10th 2021
11
Such a scam.
Feb 10th 2021
12
Yup, this dinged me.
Feb 10th 2021
15
      I will say that if you're responsible enough, credit cards are free $
Feb 10th 2021
27
           I'm not as hardcore as you but I do something similar.
Feb 10th 2021
28
           Nice !
Feb 10th 2021
29
           im doing something similar
Feb 10th 2021
30
                I always wonder how that works....
Feb 10th 2021
35
                I link them to a subscription and then setup autopay on the CC
Feb 11th 2021
39
it's most likely from the refinance
Feb 10th 2021
36
      I figured it was closing the first mortgage
Feb 11th 2021
46
           LOL totally. Especially nearly 50 fucking points !
Feb 11th 2021
47
Been between 807-826 for 2 years
Feb 10th 2021
13
Not NO debt, but spotless for sure.
Feb 10th 2021
20
      836 FICO now - no idea why
Mar 04th 2021
57
791 at the moment, age 34
Feb 10th 2021
14
I'll keep it real. 32 and I don't know.
Feb 10th 2021
17
It can affect employment prospects. Some employers use it as a metric to...
Feb 10th 2021
22
You can get a secured credit card if you want to build some history
Feb 10th 2021
23
you will likely need it later.
Feb 10th 2021
24
if you ever want to buy a house you will need one
Feb 11th 2021
40
like 820ish, depending on which app I'm using.
Feb 10th 2021
18
I'm 38, and my score is currently 820.
Feb 10th 2021
19
775. 44. Black male.
Feb 10th 2021
21
750. I’m 36
Feb 10th 2021
25
770, 51 YO
Feb 10th 2021
31
Jesus we're getting old.
Feb 10th 2021
32
774 -- 36
Feb 10th 2021
33
620 - 41
Feb 10th 2021
34
How much “available credit” you have, impacts your score
Feb 11th 2021
41
Credit activity matters (sometimes a lot).
Feb 11th 2021
43
      did some research off this reply...thanks to both of you actually
Feb 14th 2021
52
705, and it took some work to get it there
Feb 10th 2021
37
that's good work to bring that back up.
Feb 11th 2021
42
      Good looking out
Feb 11th 2021
44
           this is awesome.
Feb 11th 2021
45
810 and I’m 39
Feb 11th 2021
38
I highly suggest folks in this thread
Feb 11th 2021
48
I’m at 820 and my car loans applications are always about 13 pts highe...
Feb 13th 2021
51
Ha good call. Just logged into my Experian acct. I'm actually 822.
Feb 14th 2021
53
828! and mid-40s
Feb 11th 2021
49
Hit 850 a few times this fall - 39
Feb 11th 2021
50
824
Feb 14th 2021
54
better than i thought b/w question for the credit experts
Feb 14th 2021
55
49 and terrible, but i dont care
Feb 15th 2021
56

DJR
Member since Jan 01st 2005
15966 posts
Wed Feb-10-21 11:50 AM

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1. "821, 38 years old"
In response to Reply # 0


  

          

A decade ago I was in the 500s.

  

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SoulSeeker
Member since May 07th 2003
1106 posts
Wed Feb-10-21 12:06 PM

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6. "RE: 821, 38 years old"
In response to Reply # 1


  

          

How long you been at 821? It took 10 yrs to get there?

  

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DJR
Member since Jan 01st 2005
15966 posts
Wed Feb-10-21 03:55 PM

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26. "Nah, didn’t take the whole decade"
In response to Reply # 6


  

          

I’ve been 800s for a few years.

And got into the 700s a long time ago.

Negative items disappearing and just never missing a car payment or anything for a few years got me into the 700s.

Getting that utilization rate way down is what got me into the 800s.

  

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Brew
Member since Nov 23rd 2002
20966 posts
Wed Feb-10-21 11:57 AM

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2. "880, 37yo"
In response to Reply # 0


          

My grandmother was drilling "DON'T FUCK UP YOUR CREDIT" into my head since I was like 13 lol. So I never played fast and loose w/my finances, and was of course also very lucky/fortunate that I was never forced to because of circumstances.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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SoulSeeker
Member since May 07th 2003
1106 posts
Wed Feb-10-21 12:03 PM

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4. "RE: 880, 37yo"
In response to Reply # 2


  

          

Damn. 880 is perfection. That even possible?

  

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Brew
Member since Nov 23rd 2002
20966 posts
Wed Feb-10-21 12:19 PM

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9. "JEEZUS. Sorry 780*. No idea why I had 880 in my head lol."
In response to Reply # 4


          

It's actually 785, I just checked.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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CIPHA
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1010 posts
Wed Feb-10-21 11:59 AM

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3. "I let it slip after I bought my crib in 2017"
In response to Reply # 0


          

I talked to my guy about refinancing and he was like..."ummm, holla at me when you pay these CCs down to 10%" lol.

So I just did that, I'll have a better idea in a couple of weeks but I'm thinking low 700s.

_____________________________________

Let me guess, I can have "good day" now, right?

  

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SoulSeeker
Member since May 07th 2003
1106 posts
Wed Feb-10-21 12:05 PM

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5. "RE: I let it slip after I bought my crib in 2017"
In response to Reply # 3


  

          

Crazy how fast your score can update these days vs. back in the day it took like 6 months+ before you saw all your hard work pay off via improved credit score

  

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double negative
Member since Dec 14th 2007
21767 posts
Wed Feb-10-21 12:10 PM

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7. "702, 40."
In response to Reply # 0


  

          

I was 745 back in september but I stupidly let a small credit card payment lapse. It happened. I was under covid/marriage/career stress hard and had been since the beginning of the year.

It's been a rebuilding.

i was 400 6 years ago.

i only have one CC.

that said, I own some property so things arent that dire, but they could be better.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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PimpTrickGangstaClik
Member since Oct 06th 2005
15231 posts
Wed Feb-10-21 12:14 PM

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8. "I think my score plateaued because I don't use much credit"
In response to Reply # 0
Wed Feb-10-21 12:16 PM by PimpTrickGangstaClik

  

          

It hasn't changed in about 3-4 years. Meanwhile, I've never been late once my whole life. And I'm using only like 1% of my available credit.


Credit Karma dings me because I only have 4 accounts, all credit cards.

But from what I understand, there's no effective difference when you get into the high score ranges (i.e. 750 is treated the same as 830)

  

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SoulSeeker
Member since May 07th 2003
1106 posts
Wed Feb-10-21 01:43 PM

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16. "Credit Karma doesn't have the ability to "ding" you, tho"
In response to Reply # 8


  

          

Only the 3 Credit motherships do

  

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mista k5
Member since Feb 01st 2006
13889 posts
Wed Feb-10-21 12:32 PM

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10. "bad but on the right track"
In response to Reply # 0


  

          

up to 640, im 36. last year it was like 580. not sure if ive been over 700 since ive started using/needing it but hopefully i will be soon.

definitely have things under control now and a plan on paying off current debt. biggest help in doing so? getting paid more money. no matter how much i tried to manage my expenses before there just wasnt much left over to make an impact on my debt. last couple of years ive almost eliminated all my CC debt and expect to eliminate it completely in a couple of weeks. by end of year i will also knock out a personal loan i took out.

will basically just be left with car and student loans (which probably wont be forgiven by any plan that is passed). im hoping 5-10 years im only worrying about a mortgage.

  

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legsdiamond
Member since May 05th 2011
69222 posts
Wed Feb-10-21 12:37 PM

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11. "700.. it dipped from 749 for some reason "
In response to Reply # 0


          

not sure it its refinancing my house or credit usage.

25% utilization

shit is a scam

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

  

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Brew
Member since Nov 23rd 2002
20966 posts
Wed Feb-10-21 12:45 PM

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12. "Such a scam."
In response to Reply # 11
Wed Feb-10-21 12:45 PM by Brew

          

>shit is a scam

The most financially responsible you can possibly be is to have *no debt*. Yet, if you have no debt, your score *decreases*, even if you've had debt in the past w/100% on time payments and no derogatory remarks.

That's some bullshit right there. But it's obviously by design.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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Nopayne
Member since Jan 03rd 2003
52347 posts
Wed Feb-10-21 01:39 PM

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15. "Yup, this dinged me."
In response to Reply # 12


  

          

I went through a 5 year period no debt and it hurt my score. I had take on a credit card and make a couple of trivial purchases per a month to get my score up.

---
Love,
Nopayne

  

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Brew
Member since Nov 23rd 2002
20966 posts
Wed Feb-10-21 04:16 PM

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27. "I will say that if you're responsible enough, credit cards are free $"
In response to Reply # 15


          

I have a credit card for the exact reason we're talking about, just so my credit score stays at a high level.

I found one with no fee that pays high % cash back on all purchases. So I use it like cash/a debit card and just pay off my entire balance every day or every other day.

That way I get the cash back on every purchase and keep my credit score high, but don't pay a dime in interest.

It's easier said than done to be that disciplined but if you force yourself or even like set yourself a damn reminder every nite or every week to pay off your whole balance, you're literally just getting free money out of it.

So as much of a predatory scam as our credit system can be, it can work in your favor if you are able to be fully committed to it.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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Nopayne
Member since Jan 03rd 2003
52347 posts
Wed Feb-10-21 06:18 PM

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28. "I'm not as hardcore as you but I do something similar."
In response to Reply # 27


  

          

Years of that debit/cash life have given me the discipline to only spend what I actually have. I don't have the patience to pay it off weekly so I what I do is set a reminder to manually pay it off ~5 days before they send me a statement then just autopay whatever extra balance I have on the due date. That *seems* to keep the overall credit utilization on my credit report pretty low so far.

---
Love,
Nopayne

  

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Brew
Member since Nov 23rd 2002
20966 posts
Wed Feb-10-21 06:26 PM

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29. "Nice !"
In response to Reply # 28


          

>Years of that debit/cash life have given me the discipline to
>only spend what I actually have. I don't have the patience to
>pay it off weekly so I what I do is set a reminder to manually
>pay it off ~5 days before they send me a statement then just
>autopay whatever extra balance I have on the due date. That
>*seems* to keep the overall credit utilization on my credit
>report pretty low so far.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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mista k5
Member since Feb 01st 2006
13889 posts
Wed Feb-10-21 06:28 PM

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30. "im doing something similar"
In response to Reply # 27


  

          

i pay it off weekly. i think over 4 months ive built up like $80 in cash back just with normal purchases. there were a couple weeks around xmas that i went overboard and got a bit shocked at how much i owed at the end of the week lol. still was able to pay it off within two weeks. since then its been pretty predictable.

even when the amount i owe is a bit high its all good because i have the money in the bank account since i havent been using my debit card for pretty much anything.

only thing i am worried about is what to do with these credit cards ive been paying off. seems like you want to keep them open so your available balance stays high but i dont want to use them since i dont get any cash back. im hoping they give me a warning before they close them due to inactivity.

  

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tariqhu
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Wed Feb-10-21 09:42 PM

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35. "I always wonder how that works...."
In response to Reply # 30


          

never had a card closed for not using it. I've closed some that I didn't want to risk using and didn't worry much about the score going down. I'm good with occasionally losing a few points.

Y'all buy those labels, I was born supreme

  

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nonaime
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Thu Feb-11-21 05:46 AM

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39. "I link them to a subscription and then setup autopay on the CC"
In response to Reply # 30


          

>only thing i am worried about is what to do with these credit
>cards ive been paying off. seems like you want to keep them
>open so your available balance stays high but i dont want to
>use them since i dont get any cash back. im hoping they give
>me a warning before they close them due to inactivity.

I paid off my CCs and didn't want to close them either. I've had one card warn me about inactivity after a year or so and another close the account.

Now I just spread out my various subscriptions on the cards, just so they're being utilized. I set the CC payments to autopay so that I don't forget to pay the bill. So far, none of the other cards have closed.

Closed account goes against your (and I think it's an) average account history length. If you only have one or two cards, it probably hurts more than if you have five or six old cards.

~~~~~~~~
A bad Samaritan averaging above average men (c) DOOM

  

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Ray_Snill
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Wed Feb-10-21 10:45 PM

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36. "it's most likely from the refinance "
In response to Reply # 11


  

          

If I recall correctly, let's say you've been paying your mortgage for 12 years, that factors in the length of credit so refinancing turns that into a "new account" which will in turn shorten your credit history and possibly lower your score.




<=========================================
https://cdn0.vox-cdn.com/thumbor/PYzh4v9cSf4FDnq3yMQyqNqh79o=/800x0/filters:no_upscale%28%29/cdn0.vox-cdn.com/uploads/chorus_asset/file/4079674/jlio.0.gif

  

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legsdiamond
Member since May 05th 2011
69222 posts
Thu Feb-11-21 04:14 PM

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46. "I figured it was closing the first mortgage"
In response to Reply # 36


          

which is why shit is a scam.

I’m getting a better rate and paid of the other one and bever missed a payment. Why am I being punished for this?

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

  

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Brew
Member since Nov 23rd 2002
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Thu Feb-11-21 04:51 PM

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47. "LOL totally. Especially nearly 50 fucking points !"
In response to Reply # 46


          

You're buying a house, which we're always told is about the most financially responsible thing you can do with your money.

But then your credit goes to shit, however temporarily, because you do exactly that.

So stupid.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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handle
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Wed Feb-10-21 12:46 PM

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13. "Been between 807-826 for 2 years"
In response to Reply # 0
Wed Feb-10-21 12:50 PM by handle

          

It bounces for NO REASON.

My understanding that a 750 is basically the same as an 820.

Edit: It took me around 9 years to get there from a 669 after a bankruptcy. Got to 725 after 3 years.

You basically need to have NO debt at all and a spotless credit history over 5 years to get in the 800s.

------------


Gone: My Discogs collection for The Roots:
http://www.discogs.com/user/tomhayes-roots/collection

  

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Ryan M
Member since Oct 21st 2002
40938 posts
Wed Feb-10-21 02:25 PM

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20. "Not NO debt, but spotless for sure."
In response to Reply # 13


  

          

I've got 820 with a mortgage - but I regularly pay my CC balances off at the end of the month. No student debt. Leased car. So it's possible, but definitely need that spotless payment history.

------------------------------
'19-'20 Bubble Lakers

X.X.X.X.X.X.X.X.X.X.X.X.X.X.X.X

2020 NBA Champions

  

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handle
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57. "836 FICO now - no idea why"
In response to Reply # 20
Thu Mar-04-21 10:26 AM by handle

          

Literally nothing has changed - maybe time accounts have opened have reached a threshold.

I really don't understand these scores.

------------


Gone: My Discogs collection for The Roots:
http://www.discogs.com/user/tomhayes-roots/collection

  

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sectachrome86
Member since Dec 22nd 2007
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Wed Feb-10-21 01:29 PM

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14. "791 at the moment, age 34"
In response to Reply # 0


          

I keep an eye on it with CreditKarma, its always shifting up or down slightly.

-------------------------------------------------
http://www.soundcloud.com/sectachrome

  

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Nodima
Member since Jul 30th 2008
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Wed Feb-10-21 02:18 PM

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17. "I'll keep it real. 32 and I don't know."
In response to Reply # 0


  

          

So I went to freecreditreport and it said I don't have one. I've applied for credit cards and lines of credit sporadically over the years and never been approved. I figure it's student loan related.


Something tells me if I've spent this long without credit and am not really sure what I'd want it for other than to buy things I can't currently afford with debit, I probably shouldn't have it anyway?


~~~~~~~~~
"This is the streets, and I am the trap." � Jay Bilas
http://www.popmatters.com/pm/archive/contributor/517
Hip Hop Handbook: http://tinyurl.com/ll4kzz

  

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FLUIDJ
Member since Sep 18th 2002
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Wed Feb-10-21 02:49 PM

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22. "It can affect employment prospects. Some employers use it as a metric to..."
In response to Reply # 17


  

          

evaluate your trustworthiness, responsibility, liability, etc...



"Get ready....for your blessing....."
"Bury me by my Grand-Grand and when you can come follow me"

  

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Nopayne
Member since Jan 03rd 2003
52347 posts
Wed Feb-10-21 02:55 PM

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23. "You can get a secured credit card if you want to build some history"
In response to Reply # 17


  

          

The shitty part about that is that you have to put down a deposit but it's a good way to establish credit.

---
Love,
Nopayne

  

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tariqhu
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Wed Feb-10-21 03:38 PM

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24. "you will likely need it later. "
In response to Reply # 17


          

especially if you're trying to buy a house or car. unless you have access to that kinda cash off hand.

Y'all buy those labels, I was born supreme

  

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legsdiamond
Member since May 05th 2011
69222 posts
Thu Feb-11-21 10:09 AM

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40. "if you ever want to buy a house you will need one"
In response to Reply # 17


          

my coworker didn’t fuck with cards at all. But now he has a wife and the crib is in her name because he didn’t have any established credit.

and on business trips he was always looking crazy because he didnt have a credit card to put on file or rent a car.

but if you plan on renting forever and never have a family I’m sure you can survive without one.

Personally, I would have at least one card for emergencies.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

  

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tariqhu
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Wed Feb-10-21 02:19 PM

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18. "like 820ish, depending on which app I'm using. "
In response to Reply # 0


          

I play the game with them, but keep my usage down. and pay shit off asap.

now, if I can just get rid of this student loan...

Y'all buy those labels, I was born supreme

  

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Ryan M
Member since Oct 21st 2002
40938 posts
Wed Feb-10-21 02:23 PM

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19. "I'm 38, and my score is currently 820. "
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------------------------------
'19-'20 Bubble Lakers

X.X.X.X.X.X.X.X.X.X.X.X.X.X.X.X

2020 NBA Champions

  

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FLUIDJ
Member since Sep 18th 2002
43452 posts
Wed Feb-10-21 02:47 PM

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21. "775. 44. Black male."
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Amritsar
Member since Jan 18th 2008
30604 posts
Wed Feb-10-21 03:45 PM

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25. "750. I’m 36 "
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I didn’t pay for enough attention to it in my 20s

_______________________________________________
"Mindless populism embodied by Trump and Sanders are like a malignant wart on our body politic"

  

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Ray_Snill
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16528 posts
Wed Feb-10-21 07:41 PM

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31. "770, 51 YO"
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just dropped 5 points for some reason. It took me about 3 years after my identity was stolen to build my credit to the 700s. I've been around 750 to 780 for the past couple years cause I usually keep around 10% utilization



<=========================================
https://cdn0.vox-cdn.com/thumbor/PYzh4v9cSf4FDnq3yMQyqNqh79o=/800x0/filters:no_upscale%28%29/cdn0.vox-cdn.com/uploads/chorus_asset/file/4079674/jlio.0.gif

  

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stravinskian
Member since Feb 24th 2003
12334 posts
Wed Feb-10-21 07:53 PM

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32. "Jesus we're getting old."
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I knew I was getting old, and I knew I was roughly in median territory around here. But I guess somehow I thought I was the only one who was aging.

As to the question, 41 and 750. I have a bit of CC debt and two small loans. Just bought a new piano and built a new computer. Both of those put me back a bit.

  

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SuiteLady
Member since Oct 19th 2004
15196 posts
Wed Feb-10-21 08:06 PM

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33. "774 -- 36"
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♥ Inescapably Me ♥

"Love is never any better than the lover" Toni Morrison (The Bluest Eye)

  

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blackfoot_female
Member since Jul 15th 2002
865 posts
Wed Feb-10-21 08:49 PM

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34. "620 - 41"
In response to Reply # 0
Wed Feb-10-21 08:54 PM by blackfoot_female

          

haven't been able to get it any higher than that and barely understand how the shit works. i don't use my cc for anything other than renting a car once in a while since i only have a $300 limit anyways. no debts that i know of. no home, no college, no car. wish they taught this in high school because now i don't care anymore.

  

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DJR
Member since Jan 01st 2005
15966 posts
Thu Feb-11-21 10:57 AM

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41. "How much “available credit” you have, impacts your score"
In response to Reply # 34


  

          

Someone with one credit card and say $7,000 of available credit, will have a lower score than someone with say $25,000 of available credit, even if their usage and on-time payments, etc. are exactly the same.

  

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stravinskian
Member since Feb 24th 2003
12334 posts
Thu Feb-11-21 11:57 AM

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43. "Credit activity matters (sometimes a lot)."
In response to Reply # 34


          


You might want to start using that card. Maybe use it for everyday expenses, gas, food, etc., but just pay it off every month to minimize interest.

It's annoying and counterintuitive, but the credit rating isn't designed to measure how frugal you are. It's designed to measure how much of a risk a bank would be taking if they gave you a loan. If you don't have enough history of using credit, then there's no way to know how risky it would be for a bank to give you a loan. So the agencies just give you an average score even if you've never missed a payment on anything.

  

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blackfoot_female
Member since Jul 15th 2002
865 posts
Sun Feb-14-21 01:04 AM

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52. "did some research off this reply...thanks to both of you actually"
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.

  

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bigkarma
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7859 posts
Wed Feb-10-21 11:34 PM

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37. "705, and it took some work to get it there"
In response to Reply # 0
Wed Feb-10-21 11:34 PM by bigkarma

  

          

A few years back my wife lost her job and we had a fair amount of credit card debt. We started juggling payments and stayed having late payments. It was doing a real number on our credit. It went down into the 400-500s after almost defaulting on a HELOC.

I was able to wrestle to where it is now over the last two years or so. Paid off the HELOC, kept payments on track, paid off some cards, paid down some balances.

About to buy a car and add an additional car note. Hopefully, that doesn't make it dip. But if we stay on track with payments and paying down balances, it should be a minor hit and we should keep going up.

52

  

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tariqhu
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Thu Feb-11-21 11:48 AM

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42. "that's good work to bring that back up."
In response to Reply # 37


          

it can be pretty frustrating.

on the car thing, I went through a local car buying service. They look for the car for you. you tell them the model, version, features, etc.

they'll can also bring the car to you or you can pick it up and their office.

and also help nail down the financing. they set me up with Georgia United CU. the CU took another .25 off my rate since I used that buying service. my rate ended up at 2.69 for a 2016 vehicle that I bought in 2018

let me know if you want me to send you that info.

Y'all buy those labels, I was born supreme

  

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bigkarma
Charter member
7859 posts
Thu Feb-11-21 12:15 PM

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44. "Good looking out"
In response to Reply # 42


  

          

I am in a great situation, though. Using the job's credit union. 1.7% rate if I opt to have it autopay, 2.7 if not (I will be autopaying).

They have a car finder service... that I used. However, they gave me many of the same cars I found using CarFax (evidently I'm in the wrong business).

  

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tariqhu
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Thu Feb-11-21 01:35 PM

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45. "this is awesome."
In response to Reply # 44


          

>I am in a great situation, though. Using the job's credit
>union. 1.7% rate if I opt to have it autopay, 2.7 if not (I
>will be autopaying).
>
>They have a car finder service... that I used. However, they
>gave me many of the same cars I found using CarFax (evidently
>I'm in the wrong business).
>
>

Y'all buy those labels, I was born supreme

  

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calij81
Member since Jan 17th 2007
12395 posts
Thu Feb-11-21 01:06 AM

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38. "810 and I’m 39"
In response to Reply # 0


          

Car note and I pay my credit cards down monthly.

Wife is at 760 and she is 38. I had to help her improve her score, it was low 600s when we first met.

  

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Numba_33
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17688 posts
Thu Feb-11-21 04:52 PM

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48. "I highly suggest folks in this thread"
In response to Reply # 0


  

          

read a response made months ago by okayplayer soulfunk about credit scores: https://board.okayplayer.com/okp.php?az=show_topic&forum=4&topic_id=13408962&mesg_id=13408962&listing_type=search#13408979


Included in his response is the fact that free scores from sites like Credit Karma are trash and aren't the true credit scores from Experian, Equifax, and Transunion. He also mentioned there are additional credit scores that auto loan and mortgage companies use when it comes time to make decisions on loans.

"Sean sparks like John Starks, nah, Sean ball like John Wall" - Rest In Power Forever Sean Price.

  

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Fishgrease
Member since Feb 13th 2006
34438 posts
Sat Feb-13-21 09:38 PM

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51. "I’m at 820 and my car loans applications are always about 13 pts highe..."
In response to Reply # 48


  

          

I have about 60,000 in available credit and I’m at a 1% utilization rate. I’ve learned how to use credit card statement dates vs. due dates to my advantage.

---------------------------------------
blog: www.wonderfullyhorrible.blogspot.com
instagram: Fishgrease
twitter: wooly_caesar
Podcast www.soundcloud.com/circlegang

  

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Brew
Member since Nov 23rd 2002
20966 posts
Sun Feb-14-21 01:13 PM

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53. "Ha good call. Just logged into my Experian acct. I'm actually 822."
In response to Reply # 48


          

Way higher than on credit karma which has me at 785.

----------------------------------------

"Fuck aliens." © WarriorPoet415

  

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rawsouthpaw
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15463 posts
Thu Feb-11-21 05:13 PM

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49. "828! and mid-40s"
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Thu Feb-11-21 05:17 PM by rawsouthpaw

  

          

trying to cop a house to live along with having backhouse tenant(s) now : )

  

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kajsidog
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2678 posts
Thu Feb-11-21 09:24 PM

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50. "Hit 850 a few times this fall - 39"
In response to Reply # 0


  

          

Didn't know that was really possible. Currently 846.

A big reason why is my mom put me on her credit card in case I ever needed it (I didn't) back in middle school so my history goes back to 91.

See ya, JAK
http://www.staugustinepics.com/

Winner of OKP Second Photo Kontest
Pic #6 http://www.tha-renaissance.com/effstop/kontest2

  

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lionelzeus
Charter member
1602 posts
Sun Feb-14-21 04:09 PM

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54. "824"
In response to Reply # 0
Sun Feb-14-21 04:10 PM by lionelzeus

          

824
43yrs old

  

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bearfield
Member since Mar 10th 2005
7697 posts
Sun Feb-14-21 05:03 PM

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55. "better than i thought b/w question for the credit experts"
In response to Reply # 0


  

          

750+. mid 40s. i had a long standing high balance on a BoA card that took forever to pay off. had to get a secured card a few years ago and was diligent in paying it off before the statement balance. i believe this has improved my score but i hadn't checked in years prior to doing it recently so i can't say exactly what has changed

----------------------------

is it bad if i opened up a line of credit with a store and i don't really plan on using it? what would closing it without using it do to my credit?

  

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Damali
Member since Sep 12th 2002
35074 posts
Mon Feb-15-21 06:15 PM

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56. "49 and terrible, but i dont care"
In response to Reply # 0


          

fuck capitalism.

d

"But rest assured, in my luxurious house built on the backs of people darker than me, I am sipping fine scotch and scoffing at how stupid you are." - bshelly

  

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