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What is your credit score?
- Thread starter iBreatheApple
- Start date
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Probably low-mid 700's. It used to be ALOT worse back in the day. I used to be the undisputed king of rolling 90 day late payments 
Fortunately, with patience and a bit of effort, one can rebuild their credit relatively quickly. Having a steady job doesn't hurt either.
Fortunately, with patience and a bit of effort, one can rebuild their credit relatively quickly. Having a steady job doesn't hurt either.
Zero. I paid off my debts a couple of years ago and haven't borrowed any money or financed anything since.
I hardly think it's impossible. I've seen 820 before just from doing real estate and I'm technically not really supposed to be involved in credit scores, only the dollar amount they are approved for.
For someone who views it every day I would think it would be seen. Maybe I am wrong.
Women historically have bad credit? I think you need to check your facts, son.
I LOL'ed
He means that your logic is based entirely on your gf's job and not by actual independent research. You said something was impossible and looked like a tool because google will show you that it is not. Google, by the way, would lead you to the one site that can answer such questions for you.
As for my score, I don't generally discuss things like that and therefore, I made a number up. You jumped on it and failed to realize that it is possible (and probable) someone was going to give you a BS answer like that.
You have a score still and it actually could be low because of your lack of debt.
He means that your logic is based entirely on your gf's job and not by actual independent research. You said something was impossible and looked like a tool because google will show you that it is not. Google, by the way, would lead you to the one site that can answer such questions for you.
a tool? awesome, thanks!
i really think having someone that works at experian would have a pretty good take on it. ofcourse google is a great tool for people that are looking for something...but having a great personnel resource to me, is even better than google. and yes, i am basing my logic from my personnel resource, just another logic to consider i guess. my use of impossible was taken too much, my bad. have a awesome day!
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I would think one who knows his personal finance accord would have a better take on his own situation than some person who works at experian.....
0 is bad credit.
Credit is not evil if you are responsible. Just treat it like a checking account.
Having no credit will hurt you if you ever find yourself in the position of wanting to purchase items that require being lent money.
all i was saying was its rare to see 840 credit score. and i was quoting my GF who works at a credit reporting agency.
810...814...820
TransUnion, Equifax, and Experien top out at 850.
Along with other factors, with credit cards, the % of total available credit used has a major effect on scores. Of course payment history is one of the the biggies.
TransUnion, Equifax, and Experien top out at 850.
Along with other factors, with credit cards, the % of total available credit used has a major effect on scores. Of course payment history is one of the the biggies.
After only two years, I probably do. But if you go long enough (around 7 years) without borrowing any money, you will have a zero because there isn't enough data to generate a score.
I don't really know and don't care. I have zero need to borrow money, and it will eventually drop to zero. And it looks like you are right on men vs. women. 682 on average for women, vs. 675 for men. It also appears men are more likely to default.
It's not bad. I really have no need to borrow money. The only thing I would want to borrow for is a home, and that can be handled by a mortgage company that does manual underwriting, instead of just blindly following the FICO score.
in the US that is ...
i don't understand the advantage of using a credit card to a ordinary checking account, apart of buying stuff online more safely
my parents and grandparents managed without credit cards and today with fast electronic transfers or self management through internet banking ? i am responsible enough to balance a my bank account with a rather small limit
here having a very stable and consistent wage & employment is the biggest point for being able to get a loan ... and also off course the relationship to your bank
using credit cards or taking loans for buying consumer stuff like televisions or moveable furniture is generally considered unwise
but i suspect it's different in the US where paying your rent/receiving your wage in cash inside an envelope isn't exactly unheard of
There are many. Convenience, record keeping, rewards programs, to name a few. I pay my bill in full each month so it costs me nothing.
In my world, I don't see how you can't have one. How does one easily buy airline tickets, rent cars, stay in hotels?
Where do you get this from?
The guy is responsible. He is debt free and pays things for cash? The only time I see that may require being lent money is to buy a home. Even then a FICO isn't considered if you get manual underwriting on the loan. Everything else should be paid in full. If not then really that's irresponsible.
Debit cards. I've never had a problem doing any of those things with my debit card.
What, you mean you don't get paid in cash when you sell your crack and meth? And pay your landlord in cash only so the po-po won't find you?
I don't like using a debit card online.
My credit cards also offer way more benefits than you can get with debit cards like auto rental CDW, purchase security, double manufacturer's warranty and a warranty management system. There are others but these are the ones I use.
There are many. Convenience, record keeping, rewards programs, to name a few. I pay my bill in full each month so it costs me nothing.
In my world, I don't see how you can't have one. How does one easily buy airline tickets, rent cars, stay in hotels?
It's easy to rent cars and stay in hotels with a debt card. You make it sound like that's impossible.
You may pay your bill each month but I can tell that your hugely in debt by your FICO score. A FICO score is a I love debt score. It's impossible to have one if you have no debt and pay your bills in full each month. The FICO score system is the most stupid system. It's designed for you to have debt in order to get one.
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Don't forget about the pitfalls with your credit card like interest, late payments, annual fees, universal default clause, interest going as high as 30% if they "feel" like it.
Where did I say it was impossible. I said easily. Many rental car companies and hotels will not accept a debit card for reservations.
You have no idea what you are talking about. My only debt is an $80,000 mortgage taken out in 2008 for a ~$500,000 townhouse.
With my good credit, I have low rates on my cards, both under 10%. My cards carry no annual fee and in this electronic day and age, you're an idiot if you make a late payment.
Tell the american that lost their job and can't pay their bills an idiot. Not sure I buy this exactly. In my time doing financial councilling I've seen bills not being paid do to a job loss, divorce, business partners splitting, etc. It's called life when the scared wife with two kids that just learned their husband is leaving them. You my friend live in a bubble if you believe what you say.
You seem to have a bug up your ass about credit. My posts are relating MY experiences. Regardless, there is nothing wrong with responsible use of credit.