I just got mine, and my score is better than 28% of americans.

whoooohooo

6/5/2006 4:39:19 PM

ouch

6/5/2006 4:40:10 PM

damn that sucks

6/5/2006 4:40:46 PM

im in the lower 28%

6/5/2006 4:42:31 PM

some of the scoring is bs, like if your balance is close to your limit then it knocks your score down badly

6/5/2006 4:53:08 PM

probably about a 500

6/5/2006 5:04:18 PM

Quote :

"some of the scoring is bs, like if your balance is close to your limit then it knocks your score down badly"

that's not BS unless you have one of the few citibank cards that don't report your revolving limit - instead report the amount you owe as your limit and thus it appears maxed out

6/5/2006 5:05:41 PM

credit cards are teh debil

6/5/2006 5:31:23 PM

i bet i have a better score than 10% of americans.

6/5/2006 5:33:20 PM

eleventy billion
$texas
threve

(And why would I share private information with TWW?)

6/5/2006 5:38:35 PM

because he asked. duh!

6/5/2006 5:40:22 PM

when i bought my car my score was like 730 or something like that

6/5/2006 6:15:14 PM

765 I think it said better than ~80% of Americans

6/5/2006 6:28:42 PM

idk what my score is, but just looked at my equifax report and I thought I have been a day or two late on my citicard payment before and everything shows up as being on time. im not gonna complain

6/5/2006 8:39:24 PM

they don't report minor defaults, just missing deadlines significantly and stuff

6/5/2006 8:48:33 PM

i'm still waiting on some stupid shit medical bills to be removed from my credit. </3 REX hospital!

other than that never a late payment on anything

6/5/2006 10:25:28 PM

I'm probably around 800 now

6/5/2006 10:43:42 PM

Quote :

"idk what my score is, but just looked at my equifax report and I thought I have been a day or two late on my citicard payment before and everything shows up as being on time. im not gonna complain "

when i ran my credit report, it only showed dings that were 30 / 90 / >90 days late. if you're a few days late they don't care

6/5/2006 10:45:14 PM

Quote :

"some of the scoring is bs, like if your balance is close to your limit then it knocks your score down badly"

that's not necessarily BS

and it doesn't matter anyway, because you don't make the rules, and it is what it is

Quote :

"credit cards are teh debil"

how do you figure?

my credit cards make me money. no fees and 1% rebates (AND 5% on gas, food, and medicine). having a bunch of unused credit also allows me to maintain less on hand in cash, which in turn allows me to invest more.

just don't carry a balance. nothing wrong the the card. that's the same attitude of people blaming guns for dumbasses shooting people.

6/5/2006 11:00:50 PM

i need a new credit card

what's a good one?

6/5/2006 11:13:13 PM

i've been satisfied with discover

they're always helpful when i call in ab stuff and i get cash back on everything i buy

to date i've received ab $60 cash back on shit i was buying anyway

6/5/2006 11:21:53 PM

cool
decent interest? try using it overseas?

6/5/2006 11:23:35 PM

774

6/5/2006 11:34:09 PM

775


boo-yow

thanks for playing

6/5/2006 11:36:05 PM

all I remember is that the one time I saw it

it was higher than I thought it would be

considering I don't own any major credit cards

6/5/2006 11:37:16 PM

citi dividends card

though they're trying to bury me with a large credit limit (I pay it off every month and they keep uping it):-P

6/5/2006 11:37:37 PM

1600

6/5/2006 11:38:36 PM

negative eleventy billion

6/5/2006 11:41:21 PM

i kicked ass on the verbal portion

6/5/2006 11:53:00 PM

Chase Rewards, and then don't carry a balance.

1% rebate, 5% on gas/food/medications

6/6/2006 1:44:22 AM

yeah chase rewards is pretty awesome

ive made almost $100 since the beginning of the year for just using it on my groceries and gas

6/6/2006 1:46:29 AM

771

6/6/2006 2:15:38 AM

three fifty

6/6/2006 7:30:24 AM

902

6/6/2006 8:07:43 AM

Surprisingly, there hasn't been an influx of misinformation yet (a first for a TWW financial/credit thread?), but in the meantime, here's some nice, quick articles if you have question about your score or how they work

http://www.getrichslowly.org/blog/2006/06/05/anatomy-of-a-credit-score/
http://moneycentral.msn.com/content/Banking/Yourcreditrating/P136689.asp

6/6/2006 8:58:52 AM

.9

6/6/2006 12:09:21 PM

755, better than 98% of undergrads.

6/6/2006 1:26:36 PM

pretty good but i don't remember off the top of my head

6/6/2006 2:17:25 PM

I don't have one

I should probably get a credit card some time

6/6/2006 2:40:55 PM

786

6/6/2006 3:09:40 PM

from equifax in my home search: 790

6/6/2006 3:18:40 PM

115

6/6/2006 3:50:21 PM

820

4/11/2007 11:51:08 PM

850, but I only have one or two credit references, so that hurts me for now.

4/11/2007 11:57:53 PM

There was something weird on my report. Two chase credit cards one for $2500 and one for $500 are opened on my file. There is no balance on either one opened on 03/2006 the other 11/2003. What should I do about this and is this a big problem

btw how do you get the actual score, i did not see an option to see a score unless you paid $5 to have them ship it to you.

4/12/2007 12:29:45 AM

http://www.truecredit.com

4/12/2007 12:49:34 AM

^That's not your actual fico score.


The only way to get your fico is to buy it from myfico.com

4/12/2007 12:51:55 AM

^^^^That's actually really really good, isn't it?

And my score sucks because a) I changed banks and closed some credit cards I'd had since the dawn of time and b) balances were too high on my current cards.

BUT time goes on so my credit should naturally inflate if I continue to behave, and I just upped the limit on my ccs so they went from 80% full to < 30% full

4/12/2007 1:01:52 AM

"and it happens to be 720"

4/12/2007 1:06:12 AM

not sure... but the limits on credit cards that i get from best buy, saks, and etc are pretty darn good!

4/12/2007 1:13:03 AM