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Just got my Credit Score....

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  1. saxton82 saxton82 is offline

    Houston, TX
    United States

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    Oct 24th, 2007 (10/24/2007 12:39am)

    Its in the FAIR range. About what i expected after fucking up when I was younger. Anyone else know their score?
  2. suitedAces_AA suitedAces_AA is offline

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    Oct 24th, 2007 (10/24/2007 12:39am) in reply to saxton82

    <TABLE height=120 cellSpacing=0 cellPadding=0 width=506 background=/images/ola/ficotracking.gif border=0><TBODY><TR vAlign=bottom><TD align=middle width=38><SPAN class=text9>702</SPAN>

    </TD><TD align=middle width=38><SPAN class=text9>706</SPAN>

    </TD><TD align=middle width=38><SPAN class=text9>702</SPAN>

    </TD><TD align=middle width=38><SPAN class=text9>699</SPAN>

    </TD><TD align=middle width=38><SPAN class=text9>717</SPAN>

    </TD></TR></TBODY></TABLE>
  3. ess286 ess286 is offline

    OH
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    Oct 24th, 2007 (10/24/2007 12:39am) in reply to saxton82

    782
  4. kayak101187 kayak101187 is offline

    Angel Fire, NM
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    Oct 24th, 2007 (10/24/2007 12:39am) in reply to saxton82

    eleventy billion
  5. cchan cchan is offline

    Brooklyn, NY
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    Oct 24th, 2007 (10/24/2007 12:45am) in reply to saxton82

    767 and im 21
  6. suitedAces_AA suitedAces_AA is offline

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    Oct 24th, 2007 (10/24/2007 12:45am) in reply to cchan

    bfd
  7. Jaybone2315 Jaybone2315 is online now J.B. Grindier

    NJ
    United States

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    Oct 24th, 2007 (10/24/2007 12:47am) in reply to saxton82

    How do I find this? I dont know, and I have never known what my credit score is.
  8. JPitt09 JPitt09 is offline Royals Fan, lol

    Uzbekistan

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    Oct 24th, 2007 (10/24/2007 12:48am) in reply to saxton82

    anyone know how long it takes to raise your credit score from bad to fair if you've missed a couple payments as a young lad? i'm talking with steady on time payments of more than the minimum.
  9. Nickc011 Nickc011 is online now The Law

    Houston, TX
    United States

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    Oct 24th, 2007 (10/24/2007 12:50am) in reply to JPitt09

    i just have a debit card... im 21, should i get a credit card?
     
  10. saxton82 saxton82 is offline

    Houston, TX
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    Oct 24th, 2007 (10/24/2007 12:50am) in reply to Nickc011

    NO!!!!
    Thread Starter
  11. kayak101187 kayak101187 is offline

    Angel Fire, NM
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    Oct 24th, 2007 (10/24/2007 12:51am) in reply to Nickc011

    no
  12. SaulGood SaulGood is offline SPAGETT

    Las Vegas, NV
    United States

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    Oct 24th, 2007 (10/24/2007 1:05am) in reply to kayak101187

    I guess low 500s isnt a good brag post ;(
     
  13. mdoggy1 mdoggy1 is offline

    Austin, TX
    United States

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    Oct 24th, 2007 (10/24/2007 1:09am) in reply to Nickc011

    Anyone who doesn't have credit cards is an idiot. You're going to spend the money anyways you might as well get cash back, rewards, airline miles, etc.
  14. emcee21 emcee21 is offline

    Orlando, FL
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    Oct 24th, 2007 (10/24/2007 1:10am) in reply to mdoggy1

    Yeah seriously, what's the worst that can happen?
  15. Dissident Dissident is offline

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    Oct 24th, 2007 (10/24/2007 1:11am) in reply to emcee21

    obv brag post

    803
  16. vetiver vetiver is offline

    Los Angeles, CA
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    Oct 24th, 2007 (10/24/2007 1:14am) in reply to saxton82

    704 due to collections account from where else but the L.A. Public Library. Holla 4 keeping documentary videos out too long and somehow missing the initial collections letter in the mail.
     
  17. Jaybone2315 Jaybone2315 is online now J.B. Grindier

    NJ
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    Oct 24th, 2007 (10/24/2007 1:15am) in reply to saxton82

    Just in case you guys missed it the first time... ty.

    <TABLE cellSpacing=0 cellPadding=4 width="100%" border=0><TBODY><TR><TD><TABLE cellSpacing=0 cellPadding=4 width="100%" bgColor=#ffffff border=0><TBODY><TR bgColor=#eeeedd><TD><TABLE cellSpacing=0 cellPadding=2 border=0><TBODY><TR><TD vAlign=top> </TD><TD>Re(1): Just got my Credit Score....
    by Jaybone2315 on 10/23/2007 23:47 </TD><TD><TABLE cellSpacing=0 cellPadding=0 border=0><TBODY><TR><TD><TABLE cellSpacing=0 cellPadding=0 border=0><TBODY></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><TR bgColor=#ffffff><TD colSpan=2><TABLE cellPadding=2 border=0 celspacing="0"><TBODY><TR><TD>How do I find this? I dont know, and I have never known what my credit score is. </TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
  18. djoshaz djoshaz is offline not an Irish DJ

    Folsom, CA
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    Oct 24th, 2007 (10/24/2007 1:15am) in reply to Jaybone2315

    equifax.com
  19. SaulGood SaulGood is offline SPAGETT

    Las Vegas, NV
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    Oct 24th, 2007 (10/24/2007 1:18am) in reply to djoshaz

    go get a car appraised/attempt to get approved for a loan at a dealership if you want to find out your comprehensive score for free
     
  20. vetiver vetiver is offline

    Los Angeles, CA
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    Oct 24th, 2007 (10/24/2007 1:18am) in reply to Jaybone2315

    I listened to that all-american smily man from the commercial and went to freecreditreport.com. You sign up for a free trial where you can get a full experian report plus your scores with all 3 majors, then cancel right after no charge.
     
  21. MattyDaCobra MattyDaCobra is offline

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    Oct 24th, 2007 (10/24/2007 1:23am) in reply to mdoggy1

    "Anyone who doesn't have credit cards is an idiot."

    Nice blanket statement. I still have a couple cards, mostly to cash in/out of stars (payTru), but paying interest is the stupid thing, so unless you can and do pay off the entire bill each and every month, then the "rewards" are very very -EV. I also enjoy not being beholden to giant financial institutions, like Chase, Providian, Uncle Sam, etc.
     
  22. IbizaCF3 IbizaCF3 is offline

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    Oct 24th, 2007 (10/24/2007 1:26am) in reply to saxton82

    If you can manage to have a credit card >$50 a month and pay it off, DO IT. If you can't control yourself, don't. This is coming from someone who is 22.

    My credit is as great as it can be as a 22 year old, I would have no problem getting a really really decent mortgage (If I wanted a $200k-ish house,.) It all depends on how well you have managed your finanaces and if you have been helped out at all.

    Edit: I can see how that might be weird, but since I've been 18, everything has been in my name. Cell, rent, every possible bill I can put in, credit cards, etc. etc., my dad just wanted to make sure I could build enough credit that I would never have to ask him for a loan or anything later on in life. After 5 years of school, trust me, it adds up (credit wise, not me paying wise.)
  23. Dissident Dissident is offline

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    Oct 24th, 2007 (10/24/2007 1:29am) in reply to IbizaCF3

    I have the ability to pull a brokers credit report with 3 scores for $20

    you just have to trust a poker playing OT-er

    and jaybone you need $20

    I fix credit scores for a living
  24. jimmycrackcorn jimmycrackcorn is offline

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    Oct 24th, 2007 (10/24/2007 2:21am) in reply to Dissident

    I'm with you SaulGood... I think I was reppin 525 from getting over my head in college, and letting a couple things end up in collections....My bad.

    I'm just lucky I have parents that will cosign for me on shit, otherwise I would have gotten a shit on on both my car and house.
  25. eastontracks eastontracks is offline

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    Oct 24th, 2007 (10/24/2007 2:37am) in reply to jimmycrackcorn

    732
  26. mdoggy1 mdoggy1 is offline

    Austin, TX
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    Oct 24th, 2007 (10/24/2007 2:43am) in reply to MattyDaCobra

    Instead of paying for your everyday shit(food, gas, bills) with your debit card. You pay for it with your credit card and get cash back. Just pay it down every month. Pretty simple.
  27. Mr. Blonde Mr. Blonde is online now Supreme Moderator

    Georgetown, DE
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    Oct 24th, 2007 (10/24/2007 3:44am) in reply to eastontracks

    high 800's

    smd
     
  28. sketchy1 sketchy1 is offline Dangerzone

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    Oct 24th, 2007 (10/24/2007 3:47am) in reply to saxton82

    MINE WAS SICK GOOD

    then i moved and maxed out my cards for like 10k

    gg credit score lolololo
     1
  29. Thatislife Thatislife is offline

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    Oct 24th, 2007 (10/24/2007 3:48am) in reply to saxton82

    791 6 months ago when i bought my condo, so 800+ now? or atleast after this quarter

    edit

    20 years old
  30. vetiver vetiver is offline

    Los Angeles, CA
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    Oct 24th, 2007 (10/24/2007 5:14am) in reply to Thatislife

    "...when i bought my condo"

    $6 buy-in, $5.50 NL Hold'em [turbo] on pokerstars, 7/30/2007, 1st for $2,151 (98.87 points)

    $6 buy-in, $5.50 NL Hold'em [turbo] on PokerStars, 8/9/2007, 1st for $1,058 (68.37 points)

    <table border="0" cellpadding="3" cellspacing="0" width="231"><tbody><tr><td>Profession </td></tr><tr><td> Student </td></tr></tbody></table>
    Does not compute?
     
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