If you are below 400, you have bigger problems than driving!!!

Your credit score reflects how honest and responsible you are.

and you thought you had won the battle when you quit paying those credit cards..

and don't forget that $900 cingular bill in collections,,

wow...

 

Originally Posted by bluefin

Don't you get a 400 for just signing your name?

Brag: Got mine and the wife's back yesterday because were refinancing. 786 and 794 respectively!

Nice!!
I pull between 300-500 bureaus a month at the dealership and the lowest I have seen was a 308. Takes a lot of work to get it that low!!
But I have probably seen only 15-20 below 400 in 20 years of doing this.

 

Originally Posted by HK_MP5N

How the F do you get as low as 308? Seriously?!?! Wow, that has to be well beyond just not paying your bills, right?

At one point, the guy had to be a bullet. But he had like 4 cars open at the same time (prolly signed for all his buddies). They all repoed at the same time plus about 100k in CC charge offs.
Funny part is, I used to pay my salesman a $100 spiff for the lowest bureau. Started at a 458 and slowly went down from there. That one never got beat!!
I still can't figure out why that guy would even think about going to a dealership. Like " I promise I will do better this time!!!" . Not so much!!

I have no clue what mine is, and I dont really care to know.

All I do know is that it is getting worse with each passing day.

 

Originally Posted by bluefin

Have you ever seen an 850? I am wondering how to get there or what it takes.

I have an 805 :) Not quite 850, but I'm trying!

 

Originally Posted by MUPokerPlayer

 

Originally Posted by bluefin

Have you ever seen an 850? I am wondering how to get there or what it takes.

I have an 805 :) Not quite 850, but I'm trying!

I would be amazed if anyone actually had an 850. I was a mortgage broker for 6 months after college, so small sample size, but 813 (I think) was the highest I saw/heard of, in an office of 200 mortgage brokers. Nothing beats the people who tell you their credit is "good", and then you pull it and it's 515.

Edit: and lol @ below 400, I didn't know that was possible, I am in awe

 

Originally Posted by ilovescotch

 

Originally Posted by MUPokerPlayer

 

Originally Posted by bluefin

Have you ever seen an 850? I am wondering how to get there or what it takes.

I have an 805 :) Not quite 850, but I'm trying!

I would be amazed if anyone actually had an 850. I was a mortgage broker for 6 months after college, so small sample size, but 813 (I think) was the highest I saw/heard of, in an office of 200 mortgage brokers. Nothing beats the people who tell you their credit is "good", and then you pull it and it's 515.

My bureaus are a little different than mortgage scores. We pull what is called an "autospecific" which weighs heavier on installment credit plus, it disregards inquiries. But I agree, not too many 850s in te world. Truth be told, if you are over a 680, you are in pretty good shape by today's standards.

 

Originally Posted by cdmalgee

Jaybone, I'm sure you're just bs'ing, and it's probably actually getting better with each day as accounts get older - but you're at an age where you're about to make some really big purchases in the next 7 years or so, and you need to make sure your credit is where it should be. Don't just not "care to know".

Find out what it is, and while you're living with your rents - do what you can to get it going in the right direction. Moving in with hot bitches questions may get you some advice, but the older folks on this board will agree that the advice I just gave you is much more beneficial. Figure out what you can do to make it better now and it will save you A LOT of money in the future.

I resemble that remark!!

And yes, his advice is goot!!

I hate the whole credit score thing.. Its an arbitrary number. My score sucks. I have alot of debt. But I have a 18 year history of never missing a payment. Ive never had a collection never had a bankruptcy.. Anything. Yet if I apply for another credit card or loan I will get a form letter saying im denied because of serious delinquincy.. Yet I pull my report all the time and ive never had a late payment.. I always ask them which account has a serious delinquincy and they never have a response. Banks and credit card companies are scum and crooked and I hope they all go under.. They dont even read the reports.. They just see a number and poof.. I fucking hate them all. Yep im a risk all right.. Ive only paid off 3 cars. Never late.. Never missed a payment on anything in my life..

 

Originally Posted by cdmalgee

Jaybone, I'm sure you're just bs'ing, and it's probably actually getting better with each day as accounts get older - but you're at an age where you're about to make some really big purchases in the next 7 years or so, and you need to make sure your credit is where it should be. Don't just not "care to know".

Find out what it is, and while you're living with your rents - do what you can to get it going in the right direction. Moving in with hot bitches questions may get you some advice, but the older folks on this board will agree that the advice I just gave you is much more beneficial. Figure out what you can do to make it better now and it will save you A LOT of money in the future.

Spot on here, no doubt. Also, employers are using this as part of the pre-employment screening or background checks before making official offers.

 

Originally Posted by bluefin

Don't you get a 400 for just signing your name?

Brag: Got mine and the wife's back yesterday because were refinancing. 786 and 794 respectively!

thats top 2percent

mine is 791 and would be in the 800's but freaking capital one when i was 18 reported a 30 day late that is over 7 years old but still comes up as negative my only negative in 15 years of credit history. Sucks Balls I hate you capital one

PM me job details - I'll take it off your hands. Thnx