Do you know what your FICO scores are? I just got mine.

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  • Lensman
    GFY Chaperone
    • Jan 2001
    • 9846
    #1

    Do you know what your FICO scores are? I just got mine.

    It's a real surprise. Get yours for $15 per agency at www.myfico.com

    I consider myself to have perfect credit, no late payments or negatives at all on all my reports. But I my score has gone down quite a bit because of all the properties I own and have mortgages on.

    Tags: None
    • thePelican
      Confirmed User
      • Oct 2003
      • 663
      #2
      yes, 669.
      wife is 697.

        Comment

        • CC
          Confirmed User
          • Feb 2001
          • 1690
          #3
          Yeah, it's definitely a good thing to check out once in a while. I typically check once a year to make sure nothing funny is going on.

            Comment

            • Veterans Day
              Confirmed User
              • Jul 2003
              • 8403
              #4
              9 out of 10 lenders use transunion as their decision maker, take your low score throw it out, take your high score throw it and keep the middle score. Being in the real estate/brokerage game for a decade will teach you alot, mine is 792 wifes is 789 last we looked
              Build a Massive Traffic Network, Hands FREE, Totally Automated

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                • AgentCash
                  Confirmed User
                  • Feb 2002
                  • 720
                  #5
                  There's a discount code for Myfico.com, something like MyFico144, saves you a few bucks off each report. I buy mine on the first of every month to try and track changes over time.

                    Comment

                    • ytcracker
                      stc is the greatest
                      • Dec 2002
                      • 12403
                      #6
                      i have a providian paypal credit card so i get free credit reporting



                      steal my identity
                      www.ytcracker.com | www.digitalgangster.com
                      i love you

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                        • Methodcash Rick
                          Confirmed User
                          • Jul 2004
                          • 1720
                          #7
                          Last time we checked ( last year, before we bought this house ) I was at 743 the wife was at 729

                            Comment

                            • UniversalPassLorence
                              Confirmed User
                              • Dec 2004
                              • 3721
                              #8
                              I just got it a week ago and its highest its ever been. I watch it closely


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                                • xclusive
                                  Too lazy to set a custom title
                                  • Apr 2004
                                  • 35218
                                  #9
                                  Actually i'll check it out as I was about to check my yearly score in a few days might as well get it out of the way...

                                  I support MediumPimpin.com / Shemp's Outlawtgp.com /


                                    Comment

                                    • ytcracker
                                      stc is the greatest
                                      • Dec 2002
                                      • 12403
                                      #10
                                      Originally posted by UniversalPassLorence
                                      I just got it a week ago and its highest its ever been, 803
                                      with an 803 you can walk into a bank
                                      piss on the teller
                                      and get 100k on a finger
                                      www.ytcracker.com | www.digitalgangster.com
                                      i love you

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                                        • cayne
                                          My time is coming...
                                          • Jan 2004
                                          • 7475
                                          #11
                                          Does these numbers show you your credit-worthiness? Never heard of these fico points.
                                          If lesbian anal is wrong, I don't want to be right.

                                            Comment

                                            • NaughtyRob
                                              Two fresh affiliate progs
                                              • Nov 2004
                                              • 29602
                                              #12
                                              Yeah, I checked mine a few weeks ago. Worse than I thought.
                                              [email protected]
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                                                • Alex From San Diego
                                                  Confirmed User
                                                  • May 2001
                                                  • 1642
                                                  #13
                                                  Originally posted by Lensman
                                                  It's a real surprise. Get yours for $15 per agency at www.myfico.com

                                                  I consider myself to have perfect credit, no late payments or negatives at all on all my reports. But I my score has gone down quite a bit because of all the properties I own and have mortgages on.

                                                  5 mortgages here Lens and my score is 752.

                                                  How many mortgages do you have?....LOL

                                                  I think you have a point though with what they call a debt to income ratio but at the same time I assume it depends on if all those mortgages are rentals or 2nd homes. My rental income that I collect offsets my mortgages.
                                                  We are what we repeatedly do.-Aristotle

                                                    Comment

                                                    • bigdog
                                                      Confirmed User
                                                      • Jul 2001
                                                      • 6964
                                                      #14
                                                      i will take having a couple million over having a nice credit rating

                                                        Comment

                                                        • AdultNex
                                                          Confirmed User
                                                          • Feb 2003
                                                          • 8985
                                                          #15
                                                          I'm at around 723 last time I checked.

                                                          My father, being a Financial professor, is at 821.

                                                            Comment

                                                            • slapass
                                                              Too lazy to set a custom title
                                                              • Nov 2002
                                                              • 14625
                                                              #16
                                                              I owe a few million dollars and I never thought it hurt my score. It does help in that my banker returns my calls right away.

                                                              :D

                                                                Comment

                                                                • Kimmykim
                                                                  bitchslapping zebras!!!!!
                                                                  • Jun 2001
                                                                  • 16015
                                                                  #17
                                                                  How does that saying go? Owe the bank a hundred thousand and the bank owns you. Owe the bank a hundred million and you own the bank ;)

                                                                    Comment

                                                                    • Furious_Female
                                                                      Confirmed User
                                                                      • Oct 2002
                                                                      • 8187
                                                                      #18
                                                                      Mine is probably negative 8 million now. My car got repossessed last week.
                                                                      Skype: j3nn.com
                                                                      ICQ 160370494

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                                                                        • StuartD
                                                                          Sofa King Band
                                                                          • Jul 2002
                                                                          • 29903
                                                                          #19
                                                                          Mine is horrible thanks to a purchase I made while in college that went to credit... I paid that off and they never reported it on my credit report, which now shows as a "written off debt"... hurts my credit huge.

                                                                          I've been fighting it, but so far no luck.
                                                                          This is me on facebook
                                                                          This is me on twitter

                                                                            Comment

                                                                            • Snake Doctor
                                                                              I'm Lenny2 Bitch
                                                                              • Mar 2001
                                                                              • 13449
                                                                              #20
                                                                              Originally posted by Alex From San Diego
                                                                              5 mortgages here Lens and my score is 752.

                                                                              How many mortgages do you have?....LOL

                                                                              I think you have a point though with what they call a debt to income ratio but at the same time I assume it depends on if all those mortgages are rentals or 2nd homes. My rental income that I collect offsets my mortgages.
                                                                              Actually I don't think debt to income matters for the score....since the credit reporting agencies don't know your income.
                                                                              Although it is something banks consider before lending money of course.

                                                                              Its the debt to credit ratio that brings down your score.
                                                                              If all your credit cards are maxed it hurts you....if you cancel an account with a high credit limit it hurts you.
                                                                              If they're fairly new mortgages that can bring the score down since the % of available credit compared to total debt is out of whack.
                                                                              Once the mortgages get paid down a bit the score goes back up.

                                                                              :2cents
                                                                              sig too big

                                                                                Comment

                                                                                • r3ap3r
                                                                                  Confirmed User
                                                                                  • Jul 2004
                                                                                  • 3535
                                                                                  #21
                                                                                  My score is not to good. Its was 721 the last time I checked
                                                                                  Fuck My Sig Good
                                                                                  ICQ - 203744959

                                                                                    Comment

                                                                                    • Lensman
                                                                                      GFY Chaperone
                                                                                      • Jan 2001
                                                                                      • 9846
                                                                                      #22
                                                                                      Before I did a bunch of deals, it was 825. Now 800 is no where in site for me.

                                                                                        Comment

                                                                                        • Amputate Your Head
                                                                                          There can be only one
                                                                                          • Aug 2001
                                                                                          • 39075
                                                                                          #23
                                                                                          Originally posted by ytcracker
                                                                                          with an 803 you can walk into a bank
                                                                                          piss on the teller
                                                                                          and get 100k on a finger
                                                                                          mine is almost 800.... and yes, what you said is true. They pretty much kneel before you with mouth open.
                                                                                          SIG TOO BIG

                                                                                            Comment

                                                                                            • justsexxx
                                                                                              Too lazy to set a custom title
                                                                                              • Aug 2001
                                                                                              • 13723
                                                                                              #24
                                                                                              Here we don't have these ratings...they just look if you have current debt yes/no...

                                                                                              What does this "rating" do? what matters is how much you earn or?
                                                                                              Questions?

                                                                                              ICQ: 125184542

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                                                                                                • justsexxx
                                                                                                  Too lazy to set a custom title
                                                                                                  • Aug 2001
                                                                                                  • 13723
                                                                                                  #25
                                                                                                  nm found it
                                                                                                  Questions?

                                                                                                  ICQ: 125184542

                                                                                                    Comment

                                                                                                    • yuvalus
                                                                                                      Confirmed User
                                                                                                      • Oct 2003
                                                                                                      • 1906
                                                                                                      #26
                                                                                                      Yes it is very important to check your score every year. I do on my birthday. Often places will try to charge you more interest that you should be paying as they assume that you don't know your score.
                                                                                                      Mail me: [email protected]

                                                                                                        Comment

                                                                                                        • PersianKitty
                                                                                                          Meow Media Inc.
                                                                                                          • Jul 2001
                                                                                                          • 7785
                                                                                                          #27
                                                                                                          Mine is in the mid 700s ...lower than it could be because I have too much available credit. Not gonna give it up tho.. I don't use credit for much these days. My house is paid off so I got a home equity line of credit (mastercard) to keep something rolling on my credit history from time to time. There's hardly anything on it right now so the scoring agencies see that as potential for that much debt.

                                                                                                            Comment

                                                                                                            • Illicit
                                                                                                              wtf ?
                                                                                                              • Dec 2003
                                                                                                              • 11895
                                                                                                              #28
                                                                                                              Originally posted by PersianKitty
                                                                                                              Mine is in the mid 700s ...lower than it could be because I have too much available credit. Not gonna give it up tho.. I don't use credit for much these days. My house is paid off so I got a home equity line of credit (mastercard) to keep something rolling on my credit history from time to time. There's hardly anything on it right now so the scoring agencies see that as potential for that much debt.

                                                                                                              If your balances are low or non-existant it shouldnt hurt you at all... as long as you are below 40% of your available credit your golden.

                                                                                                              Im in the mid 700's
                                                                                                              Insert Sig Here

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                                                                                                                • PersianKitty
                                                                                                                  Meow Media Inc.
                                                                                                                  • Jul 2001
                                                                                                                  • 7785
                                                                                                                  #29
                                                                                                                  Originally posted by ajpiii
                                                                                                                  If your balances are low or non-existant it shouldnt hurt you at all... as long as you are below 40% of your available credit your golden.

                                                                                                                  Im in the mid 700's
                                                                                                                  Didn't sound that way when I read this..

                                                                                                                  "Having too much available credit can sometimes harm your credit score. Lenders may feel that you have the ability to spend more than you could potentially pay back. You might want to consider closing a few accounts or asking to have your credit limits reduced. Avoid closing too many accounts - especially the oldest accounts on your credit report - because it could harm your credit score. Closing the oldest accounts can damage your score by making the length of your credit use appear shorter. "

                                                                                                                    Comment

                                                                                                                    • Steen2
                                                                                                                      Confirmed User
                                                                                                                      • Feb 2004
                                                                                                                      • 7662
                                                                                                                      #30
                                                                                                                      Quite interesting, I know/knew what a FICO score is, but not in detail. I wish they had them here. Do companies also have FICO scores or are they only personal?
                                                                                                                      ICQ: 2262.73945

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                                                                                                                        • Webby
                                                                                                                          Too lazy to set a custom title
                                                                                                                          • Oct 2002
                                                                                                                          • 14956
                                                                                                                          #31
                                                                                                                          Cash is King - always will be...

                                                                                                                          I never use any plastic for day to day living and give nada clue to anyone how money is spent, - nor buy anything unless I have the cash to pay for it, - including properties (that can be a great advantage in other ways). No store accounts or any of that bullshit which allow spending habit tracking.

                                                                                                                          Do I have a Fico score? Na! Will the bank lend me money? You bet, - but there is always this look of disappointment when I keep refusing their kind offer of facilities that end up costing me money - it's like ya just betrayed them or something and took back your Christmas present.

                                                                                                                          The credit culture syndrome is nothing but evil for many folks - even the CEO of VISA opened stated "at some time in a clients life, they will extend their credit and that's when we have them". What an outrageous fucking statement which effectively admits they are nothing but legalized loan sharks. (Tho I do have VISA cards - but the issuing banks give nada information to VISA on background - it would be a criminal offense in those jurisdictions.)

                                                                                                                          Cash in your back pocket is much sweeter and more beneficial to doing deals! :-)
                                                                                                                          XXX TLD's - Another mosquito to swat.

                                                                                                                            Comment

                                                                                                                            • juicylinks
                                                                                                                              So Fucking Banned
                                                                                                                              • Apr 2001
                                                                                                                              • 122992
                                                                                                                              #32
                                                                                                                              FICO scores mean didly when you look as hot as me

                                                                                                                                Comment

                                                                                                                                • boneprone
                                                                                                                                  Hall Of Fame
                                                                                                                                  • Jan 2001
                                                                                                                                  • 34415
                                                                                                                                  #33
                                                                                                                                  750

                                                                                                                                  Shit. I have no fucking idea what i need to do to get it to 800.

                                                                                                                                  Even when I have ZERO debt its below 800.

                                                                                                                                  Industry Hall Of Fame Legend Mike Jones
                                                                                                                                  Bow to the Power - Still BP4L
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                                                                                                                                  Learn about it kids.

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                                                                                                                                    • azguy
                                                                                                                                      Confirmed User
                                                                                                                                      • Nov 2004
                                                                                                                                      • 5167
                                                                                                                                      #34
                                                                                                                                      Originally posted by Webby
                                                                                                                                      Cash is King - always will be...

                                                                                                                                      I never use any plastic for day to day living and give nada clue to anyone how money is spent, - nor buy anything unless I have the cash to pay for it, - including properties (that can be a great advantage in other ways). No store accounts or any of that bullshit which allow spending habit tracking.

                                                                                                                                      Do I have a Fico score? Na! Will the bank lend me money? You bet, - but there is always this look of disappointment when I keep refusing their kind offer of facilities that end up costing me money - it's like ya just betrayed them or something and took back your Christmas present.

                                                                                                                                      The credit culture syndrome is nothing but evil for many folks - even the CEO of VISA opened stated "at some time in a clients life, they will extend their credit and that's when we have them". What an outrageous fucking statement which effectively admits they are nothing but legalized loan sharks. (Tho I do have VISA cards - but the issuing banks give nada information to VISA on background - it would be a criminal offense in those jurisdictions.)

                                                                                                                                      Cash in your back pocket is much sweeter and more beneficial to doing deals! :-)
                                                                                                                                      Big Brother Phobia?

                                                                                                                                        Comment

                                                                                                                                        • Webby
                                                                                                                                          Too lazy to set a custom title
                                                                                                                                          • Oct 2002
                                                                                                                                          • 14956
                                                                                                                                          #35
                                                                                                                                          juicylinks:

                                                                                                                                          FICO scores mean didly when you look as hot as me
                                                                                                                                          I know this - you know this. It's some dumb loan sharks that may not get the point, tho ya gotta excuse em , - they only understand a system :-)
                                                                                                                                          XXX TLD's - Another mosquito to swat.

                                                                                                                                            Comment

                                                                                                                                            • Snake Doctor
                                                                                                                                              I'm Lenny2 Bitch
                                                                                                                                              • Mar 2001
                                                                                                                                              • 13449
                                                                                                                                              #36
                                                                                                                                              Originally posted by PersianKitty
                                                                                                                                              Didn't sound that way when I read this..

                                                                                                                                              "Having too much available credit can sometimes harm your credit score. Lenders may feel that you have the ability to spend more than you could potentially pay back. You might want to consider closing a few accounts or asking to have your credit limits reduced. Avoid closing too many accounts - especially the oldest accounts on your credit report - because it could harm your credit score. Closing the oldest accounts can damage your score by making the length of your credit use appear shorter. "
                                                                                                                                              I've heard alot of ppl say that as well PK.....but Suze Orman says exactly the opposite....that closing accounts and reducing your available credit hurts you.

                                                                                                                                              BTW....I've been trying to reach you RE:Advertising for quite some time now....what's the best way to get ahold of you?
                                                                                                                                              sig too big

                                                                                                                                                Comment

                                                                                                                                                • Snake Doctor
                                                                                                                                                  I'm Lenny2 Bitch
                                                                                                                                                  • Mar 2001
                                                                                                                                                  • 13449
                                                                                                                                                  #37
                                                                                                                                                  Originally posted by boneprone
                                                                                                                                                  750

                                                                                                                                                  Shit. I have no fucking idea what i need to do to get it to 800.

                                                                                                                                                  Even when I have ZERO debt its below 800.
                                                                                                                                                  One of the big things they use to determine your score is how long you've had credit.
                                                                                                                                                  There's nothing you can do about your age....but as you get older and continue to have good credit your score will increase. (By that I mean you need 25+ years of credit to have the uber high scores....you can't have that until you're in your 40's at least)
                                                                                                                                                  sig too big

                                                                                                                                                    Comment

                                                                                                                                                    • juicylinks
                                                                                                                                                      So Fucking Banned
                                                                                                                                                      • Apr 2001
                                                                                                                                                      • 122992
                                                                                                                                                      #38
                                                                                                                                                      Originally posted by Webby
                                                                                                                                                      juicylinks:



                                                                                                                                                      I know this - you know this. It's some dumb loan sharks that may not get the point, tho ya gotta excuse em , - they only understand a system :-)

                                                                                                                                                      thats why you gotta make sure you find a lonley women banker and seduce her with your looks. Easy approval.

                                                                                                                                                        Comment

                                                                                                                                                        • Webby
                                                                                                                                                          Too lazy to set a custom title
                                                                                                                                                          • Oct 2002
                                                                                                                                                          • 14956
                                                                                                                                                          #39
                                                                                                                                                          azguy:

                                                                                                                                                          Big Brother Phobia?
                                                                                                                                                          *s* You could say there is a small touch of a phobia, but more based on nosy assholes who think they need to know stuff they don't need to know!

                                                                                                                                                          WTF has it got to do with *anyone* what I do or how I spend money as long as it is not something illegal? It has nothing to do with anyone, -anywhere.

                                                                                                                                                          The US is probably the worst place for the "nosy" stuff - they even try to track the spending habits of folks in other countries. One such US organization was chucked out of the country where I stay for this - it's against their privacy laws.

                                                                                                                                                          Some folks seem to tolerate a lot just because "that is the way it is" :-)
                                                                                                                                                          XXX TLD's - Another mosquito to swat.

                                                                                                                                                            Comment

                                                                                                                                                            • Webby
                                                                                                                                                              Too lazy to set a custom title
                                                                                                                                                              • Oct 2002
                                                                                                                                                              • 14956
                                                                                                                                                              #40
                                                                                                                                                              juicylinks:

                                                                                                                                                              thats why you gotta make sure you find a lonley women banker and seduce her with your looks. Easy approval.
                                                                                                                                                              Now your talking Juicy!! :-) This actually happened twice that I know of - (not involving me tho!) - and sadly the poor bitches were actually being literally conned, - one for about $400K and the other for over a million (Tho hell knows how any bank did not have "procedures" in place to kill that! Duh!)
                                                                                                                                                              XXX TLD's - Another mosquito to swat.

                                                                                                                                                                Comment

                                                                                                                                                                • AST
                                                                                                                                                                  Registered User
                                                                                                                                                                  • Dec 2004
                                                                                                                                                                  • 77
                                                                                                                                                                  #41
                                                                                                                                                                  Merry Christmas all ...

                                                                                                                                                                  John E. Beacock
                                                                                                                                                                  AST : Webmaster - @ - AdultSexTechniques.com
                                                                                                                                                                  aka MasterBlogger/SexEducation

                                                                                                                                                                    Comment

                                                                                                                                                                    • Webby
                                                                                                                                                                      Too lazy to set a custom title
                                                                                                                                                                      • Oct 2002
                                                                                                                                                                      • 14956
                                                                                                                                                                      #42
                                                                                                                                                                      Fuck off pedo!!

                                                                                                                                                                      Do you not understand the word "banned"?

                                                                                                                                                                      And a Happy Pedo Christmas to you scumbag!
                                                                                                                                                                      XXX TLD's - Another mosquito to swat.

                                                                                                                                                                        Comment

                                                                                                                                                                        • juicylinks
                                                                                                                                                                          So Fucking Banned
                                                                                                                                                                          • Apr 2001
                                                                                                                                                                          • 122992
                                                                                                                                                                          #43
                                                                                                                                                                          Originally posted by Webby
                                                                                                                                                                          juicylinks:



                                                                                                                                                                          Now your talking Juicy!! :-) This actually happened twice that I know of - (not involving me tho!) - and sadly the poor bitches were actually being literally conned, - one for about $400K and the other for over a million (Tho hell knows how any bank did not have "procedures" in place to kill that! Duh!)

                                                                                                                                                                          I bet you it happens all the time , on both sides.... women seducing men and vice versa....... the power of the pussy and penis :costumed-

                                                                                                                                                                            Comment

                                                                                                                                                                            • Webby
                                                                                                                                                                              Too lazy to set a custom title
                                                                                                                                                                              • Oct 2002
                                                                                                                                                                              • 14956
                                                                                                                                                                              #44
                                                                                                                                                                              juicylinks:

                                                                                                                                                                              I bet you it happens all the time , on both sides.... women seducing men and vice versa....... the power of the pussy and penis
                                                                                                                                                                              Ah.. reminded me!! Then there was the gay bank manager from Grand Cayman... he departed quickly back to Florida after another such incident!! :-) I suspect he may have moved quickly out of there - the bank liquidators are still interested in chatting with him!

                                                                                                                                                                              Tho.. gotta say - he did have a very nice house which ended up on the market - the detail was impeccable on the design side! Gay folks seem to have a talent for that. I looked at this place and ran a mile - not because of the actual home, but wondered how the hell a bank manager managed to bankrole this place and have all the fittings that must have cost over $1m, excluding the home value. There was too much chance someone was gonna creep out of the woodwork and claim ownership due to some fraud shit or something in his background.

                                                                                                                                                                              BTW - that bank was closed down in the end - there was some other shit he'd been up to as well.
                                                                                                                                                                              XXX TLD's - Another mosquito to swat.

                                                                                                                                                                                Comment

                                                                                                                                                                                • AndrewKanuck
                                                                                                                                                                                  Confirmed User
                                                                                                                                                                                  • Jan 2004
                                                                                                                                                                                  • 6706
                                                                                                                                                                                  #45
                                                                                                                                                                                  I check mine every 6 months or so - the first time I seen it, I was shocked as well - it was when I was first starting out with rental properties

                                                                                                                                                                                    Comment

                                                                                                                                                                                    • PersianKitty
                                                                                                                                                                                      Meow Media Inc.
                                                                                                                                                                                      • Jul 2001
                                                                                                                                                                                      • 7785
                                                                                                                                                                                      #46
                                                                                                                                                                                      Originally posted by Lenny2
                                                                                                                                                                                      I've heard alot of ppl say that as well PK.....but Suze Orman says exactly the opposite....that closing accounts and reducing your available credit hurts you.

                                                                                                                                                                                      BTW....I've been trying to reach you RE:Advertising for quite some time now....what's the best way to get ahold of you?
                                                                                                                                                                                      [email protected] and put 'advertising' in the subject

                                                                                                                                                                                        Comment

                                                                                                                                                                                        • seer
                                                                                                                                                                                          Confirmed User
                                                                                                                                                                                          • Nov 2002
                                                                                                                                                                                          • 280
                                                                                                                                                                                          #47
                                                                                                                                                                                          yep myfico is great

                                                                                                                                                                                            Comment

                                                                                                                                                                                            • GoNe
                                                                                                                                                                                              Confirmed User
                                                                                                                                                                                              • Jan 2003
                                                                                                                                                                                              • 2892
                                                                                                                                                                                              #48
                                                                                                                                                                                              Originally posted by ytcracker
                                                                                                                                                                                              with an 803 you can walk into a bank
                                                                                                                                                                                              piss on the teller
                                                                                                                                                                                              and get 100k on a finger
                                                                                                                                                                                              hahaha..
                                                                                                                                                                                              buying domains 1 year or more in age. Adult related only. Email me at webmaster @ crazyvids.com

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