What's your FICO score - Page 2 - GoFuckYourself.com

brand0n · 05-26-2005, 05:19 PM

640 8 chars

NoCarrier · 05-26-2005, 05:25 PM

Just checked and my score is 709.

I also bought a house a month ago. The mortage is still not in my credit report. I don't know if this will help or not my score. Anyone know?

Amputate Your Head · 05-26-2005, 05:34 PM

Quote:

Originally Posted by NoCarrier

Just checked and my score is 709.

I also bought a house a month ago. The mortage is still not in my credit report. I don't know if this will help or not my score. Anyone know?

initially it will probably go down.... after you make a few months payments it'll start going back up

DatingGold · 05-26-2005, 05:36 PM

I think I'm around 212.. is that good?

PersianKitty · 05-26-2005, 06:04 PM

748 with Equifax, 724 with Experian and 710 with Transunion.

Major issues that bring mine down a bit. I have no mortgage or car payments so there's no installment loans that are current. I have a line of credit that's large and mostly unused. I don't use alot of credit cards at all. I live by my debit card.

Amputate Your Head · 05-26-2005, 06:05 PM

Quote:

Originally Posted by PersianKitty

748 with Equifax, 724 with Experian and 710 with Transunion.

Major issues that bring mine down a bit. I have no mortgage or car payments so there's no installment loans that are current. I have a line of credit that's large and mostly unused. I don't use alot of credit cards at all. I live by my debit card.

yeah.... if you had some revolving, your score would probably be insane.

Amputate Your Head · 05-26-2005, 06:06 PM

Quote:

Originally Posted by DatingGold

I think I'm around 212.. is that good?

if you consider good to be, 'no one will loan me a nickel'...

bigdog · 05-26-2005, 06:13 PM

Quote:

Originally Posted by V_RocKs

Hehehe.. In November my Fico score was about 540. I had debts I never paid off since I got divorced back in 1993. I looked over my old debts and decided to pay off the non revolving debts. Things like an out standing gas bill (old renting partner had it reinstated in my name and then left me the bill. It was only $210 so I just paid it off to be done with it), an outstanding hospital bill of $620, etc. etc... Basically leaving the CC's and paying EVERYTHING else.

Fico score went up to 715 in January. Then I went back and checked my credit report and found that the hospital didn't remove my shit so I talked to them and they did. In Feb it was 728. Then in March I paid in full the debts on 3 cards. My score went DOWN to 645. I was like, WHAT THE FUCK! Aksed a guy who does lones for a living and lives and breathes this shit (for determining interest rates and risk of loans) and he basically said that when you repay back a fucked up situation that has been formant for so long (last report was a chargeoff in 1996) you basically make it a newly talked about bad debt. After 2 years I will be back above 700 if I Don't payoff the other 2 cards.... if I do I will be around 690... But if I do I can talk to the person underwriting the lone and inform them that I now make 3 times what I used to and have ZERO debt...

1 more month or so to ZERO debts... fucking yee-haaa!

from nov to jan that is a nice big jump

Rich · 05-26-2005, 06:15 PM

Quote:

Originally Posted by Amputate Your Head

for those that don't really understand the system and how it works.... basically what I said above there.... 750+ and you're sitting pretty. Anything over 800 and people will grovel at your feet.

An example based on my score of 751:
I walked into the Dodge dealer last Saturday at 11:00 am.... not a nickel in my pocket, unshaven, kinda smelly, tank top, board shorts, and flip flops.... pointed to a brand new Ram 1500 4x4 quad cab on the showroom floor and said shine it up fellas, I want it. They took it out back, washed it, shined it, and 1.5 hours later after driving around in someting else to kill time and signing all their shit, I drove it home. Nothing down, no bargaining, no arguments. And they took $9k off the price. (they offered this... I didn't ask for it.) (repeat new vehicle customer I guess)
They let me drive away with a brand new truck (after running credit of course) with nothing more than my drivers license, my phone number, and a signature.

Now, for all of you people that have this idea in your head that "fuck credit, my bank check card is all I need".... good luck ever doing anything like that.

Oh, and just to wrap it all up in a nice neat package.... yes, the papers I signed were for financing in full. Why? Because now I have a new loan. A good sized one. And sometime within the next 3 or 4 weeks, I will pay that off in full.... driving that FICO score through the roof.

see how it works?
(that's only one thing.... but the concept is there. You should be doing things like this across a number of things. Pay some off fast, pay some off slow... as well as maintaining steady revolving credit... like, put your tivo bill or something on a cc... pay the bill every month. It establishes that you can pay your bills on time, every time, consistently.

is your FICO score important? Better believe it is. Make late payments on shit or god forbid, default on something, and you're fucking yourself. Nobody else.

When it comes to property... your score dictates how good of a deal you get or how fucked you are. I see alot of younger guys on here every so often saying how, they don't need credit, I'll just pay for everything with cash, or if I don't have cash then I don't need it.... etc... etc...

you guys gotta open your eyes. Stop seeing "credit" as "in debt for life".... and start seeing credit = power, leverage, & options. Because that's what it is.

You think they treated you like a king because they gave you a loaner while you waited? Try buying a new car every year with a certified check. The guy's youngest daughter blows me while I wait.

Cash is leverage. Credit is for suckers. It's a zero sum gain, the only one who gains are the banks.

Veterans Day · 05-26-2005, 06:15 PM

everyones credit is like their cock size

way over exaggerated, after looking at 10's of 1000's of reports, brokering mortgages for 10 years, its funny how good people think their credit is

bigdog · 05-26-2005, 06:17 PM

pay you fucking bills on time i recently had a big drop because of a late payment i could have avoided

Amputate Your Head · 05-26-2005, 06:18 PM

Quote:

Originally Posted by Rich

You think they treated you like a king because they gave you a loaner while you waited? Try buying a new car every year with a certified check. The guy's youngest daughter blows me while I wait.

Cash is leverage. Credit is for suckers. It's a zero sum gain, the only one who gains are the banks.

who said anything about a loaner? I took out and test drove any damn thing I wanted on the lot.

Credit is for suckers?
Is that why I live in a 2 mil house with a fuckin' pool, spa, pond, gated private community overlooking the fucking ocean, 2 brand new vehicles, a brand new jetski in my garage, and enough liquid cash to buy any fucking thing I want.... and you..... well who fuckin' knows what fleabag shit hole you live in Rich.

PurrrsianPussyKat · 05-26-2005, 06:22 PM

Mine is only 697, but I'm working on it.

bigdog · 05-26-2005, 06:24 PM

funny thing when my credit score took a dive, one credit card company lowered my limit from like 32k to 22k

mkx · 05-26-2005, 06:26 PM

bdjuf = equifax.com or .ca I believe. Not the same thing from my understanding.

Sharky · 05-26-2005, 06:31 PM

Quote:

Originally Posted by Amputate Your Head

who said anything about a loaner? I took out and test drove any damn thing I wanted on the lot.

Credit is for suckers?
Is that why I live in a 2 mil house with a fuckin' pool, spa, pond, gated private community overlooking the fucking ocean, 2 brand new vehicles, a brand new jetski in my garage, and enough liquid cash to buy any fucking thing I want.... and you..... well who fuckin' knows what fleabag shit hole you live in Rich.

That's great Amp! Did you buy the house or are you renting? I remember a short while ago you had some personal issues.. I'm glad they have worked out for you!

Amputate Your Head · 05-26-2005, 06:32 PM

Quote:

Originally Posted by sharky

That's great Amp! Did you buy the house or are you renting? I remember a short while ago you had some personal issues.. I'm glad they have worked out for you!

I own it. It's house #2.

Rich · 05-26-2005, 06:37 PM

Quote:

Originally Posted by Amputate Your Head

who said anything about a loaner? I took out and test drove any damn thing I wanted on the lot.

Credit is for suckers?
Is that why I live in a 2 mil house with a fuckin' pool, spa, pond, gated private community overlooking the fucking ocean, 2 brand new vehicles, a brand new jetski in my garage, and enough liquid cash to buy any fucking thing I want.... and you..... well who fuckin' knows what fleabag shit hole you live in Rich.

lol, you know me too well. Nice Durango you had there, I'll probably buy something like that for my daughter when she turns 16.

I'm glad you think living above your means on credit is a good thing, have fun with it. It's nice to have nice things, it sucks that you can't afford to pay for them. You'll never get ahead in life doing that. If you never pay interest on anything other than at worst your mortgages, it's like making more money. Interest is a sucker's game, yes. It's for people who don't have the discipline to save money and live within their means. Didn't your parents teach you anything?

Rich · 05-26-2005, 06:37 PM

Quote:

Originally Posted by Amputate Your Head

I own it. It's house #2.

The bank owns it.

azguy · 05-26-2005, 06:40 PM

Quote:

Originally Posted by Rich

Cash is leverage.

lev·er·age
n.

3. The use of credit or borrowed funds to improve one's speculative capacity and increase the rate of return from an investment, as in buying securities on margin.

tr.v., -aged, -ag·ing, -ag·es.

2. To supplement (money, for example) with leverage.

Sharky · 05-26-2005, 06:41 PM

Quote:

Originally Posted by Amputate Your Head

I own it. It's house #2.

good for you man. seriously.

in the last year and a half you have turned things around for yourself!

azguy · 05-26-2005, 06:42 PM

Quote:

Originally Posted by Rich

The bank owns it.

The bank HOLDS onto it while you use the CASH to make even more money.

Centurion · 05-26-2005, 06:50 PM

When I bought my current home last month, 770.

Amputate Your Head · 05-26-2005, 06:52 PM

Quote:

Originally Posted by Rich

The bank owns it.

the bank owned my first house too Rich..... but when I sold it, after a year and 7 months, I walked away with $385k....

the bank can "own" whatever they want..... as long as I make money on it.

god you are a fucking idiot.

Furious_Male · 05-26-2005, 06:57 PM

720 and climbing

NoCarrier · 05-26-2005, 06:58 PM

Quote:

Originally Posted by Amputate Your Head

god you are a fucking idiot.

Maybe it's time to display the "God, just shut the fuck up Rich" image (Don't remember the exact words) that you used for lil2rich4u2.

imafuckingaussie · 05-26-2005, 07:00 PM

Hey Amputate your Head, not relevant to your thread, but are you available to do paysite designs at the moment? I saw a really nice site with your logo on it the other day and was wanting to know if your available?

My icq is 5 2 1 1 0 2 8 3

thanks,

Ecksent · 05-26-2005, 08:23 PM

Amputate. Can ya hit me up on ICQ when you have a sec. 222-549-540 Thanks man.

V_RocKs · 05-26-2005, 08:27 PM

Quote:

Originally Posted by Amputate Your Head

no... see the other post....

12 years ago I was so fucked I couldn't get a cup of coffee on credit.
Defaulted on student loans.... bankruptcy.... medical bills from hell.... I was the poster child for bad credit.

Thanks for replying man! Obviously I am asking because I am wondering if there is indeed light at the end of the tunnel.

The loan approval guy I know says I stress out WAY to much. I just talked to him about you being able to walk in and grab a car. He said I should be able to do the same thing after a few years of responsible credit is under my belt. But before then I CAN obtain the same outcome. I will just have to jump through hoops, like explaining what I do, comment on my responsibity over the last 4 to 5 years and that I have paid IN FULL all of my past obligations.

He also said that I should mention this to everyone, "PAY IN FULL!" (not a settlement) because when you settle, it is only slightly better than having not paid at all. When you pay in full you show the underwriter that you will not ultimately claim bankruptsy.

V_RocKs · 05-26-2005, 08:38 PM

Rich, you have a point to some extent... If you want to buy a 4 plex to rent and don't have the money, you can get 'credit'. Then you can turn it and sell it for 30% profit, using that as a down on one you plan to keep and actually rent. If you USE credit to YOUR advantage then it can be a wonderful thing.

I bought a used Jeep Cherokee. Why used? Because I don't feel like paying $26,000 for a new one that will be worth 1/2 that in 2 years. I bought it on credit. And like Amp, I played THEIR game for about 8 months. Minimum payments. Then I called and asked what I owed if I paid in cash today and then went down and gave them the remainder. Doing it this way showes that I can pay payments on time and also that I pay my shit back. Also it shows that I can come up with decently large sums of money. Which means they can give me a new one next time and not worry.

I wouldn't buy a TV on credit. Unless I wanted a higher limit on my card. Then I would and I would (and have) paid it off right away. I have zero balances on my credit cards unless I use them to buy shit and pay them off when I get home via online payments.

A lot of people could learn a lot from what Amp has written.

A lot of people can get the wrong impression of credit reading what you are writing, Rich.

jonesy · 05-26-2005, 10:26 PM

Quote:

Originally Posted by V_RocKs

Hehehe.. In November my Fico score was about 540. I had debts I never paid off since I got divorced back in 1993. I looked over my old debts and decided to pay off the non revolving debts. Things like an out standing gas bill (old renting partner had it reinstated in my name and then left me the bill. It was only $210 so I just paid it off to be done with it), an outstanding hospital bill of $620, etc. etc... Basically leaving the CC's and paying EVERYTHING else.

Fico score went up to 715 in January. Then I went back and checked my credit report and found that the hospital didn't remove my shit so I talked to them and they did. In Feb it was 728. Then in March I paid in full the debts on 3 cards. My score went DOWN to 645. I was like, WHAT THE FUCK! Aksed a guy who does lones for a living and lives and breathes this shit (for determining interest rates and risk of loans) and he basically said that when you repay back a fucked up situation that has been formant for so long (last report was a chargeoff in 1996) you basically make it a newly talked about bad debt. After 2 years I will be back above 700 if I Don't payoff the other 2 cards....!

the optimum is to have 2 cc cards with high credit limits and PAY THEM ON TIME.

one of the credit cards should be NO MORE than half the limit the other at a 1/3 of the limit -

getting shit removed is the way to go - going to the company or collection agency and requesting it be taken off is the way to go. be nice and kiss some ass, this helps but be persistant because no matter what they say trivial shit under a few grand can be taken off but the heavy stuff like bankrupcy cant.

my rating more than a year ago was 790 - and i aint even close to being a rich guy - just kept asking for more limits on my Credit card evey yr

V_RocKs · 05-26-2005, 11:06 PM

Nice, thanks Jonesy

Cassie · 05-27-2005, 05:26 AM

Quote:

Originally Posted by BlueWire

still strong at 807

credit scores only go up to 800. how did you get an 807?

NoCarrier · 05-27-2005, 05:29 AM

Quote:

Originally Posted by Cassie

credit scores only go up to 800. how did you get an 807?

No, they go up to 900.

TheWylders · 05-27-2005, 05:50 AM

850 is the highest

Great thread, just checked and one of my credit cards offers the same service for free. Now I can keep up with it.
I'm getting ready to sell one of my houses, does anyone know if this will affect my FICO score positively or negatively or will it have no effect. We currently have 2 homes the oldest one (the one we're selling) I've had for 9 years the other for 3.

nap · 06-01-2005, 12:02 AM

I know that i'm late but I didn't get a chance to respond last week.

I'm @ a 615 now and judging from this thread my score is very low.

How can I increase my score?
I have rent.
A school loan that has 1300 left on it.
Two credit cards, one of which I just paid off.
Insurance and a car payment.
Normal bills like cable modem, electricity, water, etc.
That is it as far as bills.

Should I request another credit card with a larger limit or should I just wait and let it build over time (im 23)?

Any suggestions are appreciated.

badmunchkin · 06-01-2005, 12:06 AM

bump for AMP's last sensible thread

06-01-2005, 12:21 AM

And that's with a house and a new car in the last year.

jonesy · 06-01-2005, 12:33 AM

Quote:

Originally Posted by nap

I know that i'm late but I didn't get a chance to respond last week.

I'm @ a 615 now and judging from this thread my score is very low.

How can I increase my score?
I have rent.
A school loan that has 1300 left on it.
Two credit cards, one of which I just paid off.
Insurance and a car payment.
Normal bills like cable modem, electricity, water, etc.
That is it as far as bills.

Should I request another credit card with a larger limit or should I just wait and let it build over time (im 23)?

Any suggestions are appreciated.

your score is not bad considering your 23 too so dont forget.
as time goes on it will go up.
establsih a good credit history by making payments on time.

best advice

pay cc bills, car loan, school loans ect ON TIME -

get your existing credit card limits raised on both as much as you can - do not pay them off completly, keep one 50% at limit or below the other at a 1/3 of limit or below, yes this is fucked but paying on time over a long period of time is what they wanna see. when they see payoffs it doesnt show stability in their opinion.

lowers your score

any collections defaults bankrupt -
late making payments - this affects your score big time

credit cards close to the limit of the card

do not get a third credit card - too many makes you look over extended

------------------------------

rent normal bills like cable modem, electricity, water, car insurance etc. dont matter

$5 submissions · 06-01-2005, 12:34 AM

Quote:

Originally Posted by shermsshack

And that's with a house and a new car in the last year.

Awesome score.

06-01-2005, 12:38 AM

Quote:

Originally Posted by $5 submissions

Awesome score.

Thanks! I was honestly surprised. When I applied for my home loan a year ago, i was at 720. I looked a few days back and saw 819 and I almost shit myself. I think it's due to the increased car payment and the AMEX balance being paid off monthly.

Pretty_Lara · 06-01-2005, 01:28 AM

Quote:

Originally Posted by Amputate Your Head

for those that don't really understand the system and how it works.... basically what I said above there.... 750+ and you're sitting pretty. Anything over 800 and people will grovel at your feet.

An example based on my score of 751:
I walked into the Dodge dealer last Saturday at 11:00 am.... not a nickel in my pocket, unshaven, kinda smelly, tank top, board shorts, and flip flops.... pointed to a brand new Ram 1500 4x4 quad cab on the showroom floor and said shine it up fellas, I want it. They took it out back, washed it, shined it, and 1.5 hours later after driving around in someting else to kill time and signing all their shit, I drove it home. Nothing down, no bargaining, no arguments. And they took $9k off the price. (they offered this... I didn't ask for it.) (repeat new vehicle customer I guess)
They let me drive away with a brand new truck (after running credit of course) with nothing more than my drivers license, my phone number, and a signature.

Now, for all of you people that have this idea in your head that "fuck credit, my bank check card is all I need".... good luck ever doing anything like that.

Oh, and just to wrap it all up in a nice neat package.... yes, the papers I signed were for financing in full. Why? Because now I have a new loan. A good sized one. And sometime within the next 3 or 4 weeks, I will pay that off in full.... driving that FICO score through the roof.

see how it works?
(that's only one thing.... but the concept is there. You should be doing things like this across a number of things. Pay some off fast, pay some off slow... as well as maintaining steady revolving credit... like, put your tivo bill or something on a cc... pay the bill every month. It establishes that you can pay your bills on time, every time, consistently.

is your FICO score important? Better believe it is. Make late payments on shit or god forbid, default on something, and you're fucking yourself. Nobody else.

When it comes to property... your score dictates how good of a deal you get or how fucked you are. I see alot of younger guys on here every so often saying how, they don't need credit, I'll just pay for everything with cash, or if I don't have cash then I don't need it.... etc... etc...

you guys gotta open your eyes. Stop seeing "credit" as "in debt for life".... and start seeing credit = power, leverage, & options. Because that's what it is.

you're right. as for me- preffere not to take credits, but in common - it's very useful thing

jonesy · 06-01-2005, 01:32 AM

Quote:

Originally Posted by shermsshack

Thanks! I was honestly surprised. When I applied for my home loan a year ago, i was at 720. I looked a few days back and saw 819 and I almost shit myself. I think it's due to the increased car payment and the AMEX balance being paid off monthly.

sherm

you gotta get your other scores from equfax and experian and throw them in the mix

the middle score is usually what creditors go by

nice score by the way

06-01-2005, 02:50 AM

Quote:

Originally Posted by jonesy

sherm

you gotta get your other scores from equfax and experian and throw them in the mix

the middle score is usually what creditors go by

nice score by the way

I am running my equifax 3-in-1 soon. I figured I'd hold off a few days, as I'll have it done anyway at the credit union. I am in the process of buying a new car for my fiance.

edit: Transunion was my lowest before. Euqifax and Experian are always my 2 highest, but I know that a lot of people have problems with Experian. I just checked Transunion, as you are given 1 free report a year from any of the 3 credit agencies.

BSleazy · 08-02-2005, 10:57 PM

Well I definately have something I need some advice on.

Several years ago I signed for a ford explorer suv with my now ex girlfriend. I had better credit or something so she just co-signed. We later broke up on no so good terms, she took the truck, never paid insurance, got drunk, drove it through some store, the store was brick and the truck was totalled. She went to jail for quite some time because she injured her friend(her friend was above 21 though which is weird and my ex wasnt). Anyways, now I have a $12,000+ collection on my report so I don't know what to do. And, the bad thing is that the truck wasn't worth anywhere near that, more like $6,000 but I was younger and had no credit and got stuck with some crazy 100% interest or whatever it was.

Amputate Your Head · 08-02-2005, 10:58 PM

great bump there!

but I don't entertain 3 month old threads.

lchaim · 08-02-2005, 11:30 PM

Sounds like you have a very nice grip on things AMP.

Great post.

BTW, if you don't mind me asking, are you still primarily in the design business or are you running sites now?

AmeliaG · 08-02-2005, 11:42 PM

Quote:

Originally Posted by BCyber

Well I definately have something I need some advice on.

Several years ago I signed for a ford explorer suv with my now ex girlfriend. I had better credit or something so she just co-signed. We later broke up on no so good terms, she took the truck, never paid insurance, got drunk, drove it through some store, the store was brick and the truck was totalled. She went to jail for quite some time because she injured her friend(her friend was above 21 though which is weird and my ex wasnt). Anyways, now I have a $12,000+ collection on my report so I don't know what to do. And, the bad thing is that the truck wasn't worth anywhere near that, more like $6,000 but I was younger and had no credit and got stuck with some crazy 100% interest or whatever it was.

That sounds pretty awful. You might try contacting whoever held the loan and just explaining the situation to them and seeing if you can pay them like $6k or something to settle the account.

pornguy · 08-02-2005, 11:44 PM

16... I am doing kick ass

BSleazy · 08-03-2005, 12:10 AM

Quote:

Originally Posted by AmeliaG

That sounds pretty awful. You might try contacting whoever held the loan and just explaining the situation to them and seeing if you can pay them like $6k or something to settle the account.

I've receieved several calls from their collection agencies to settle for low but I haven't. The whole situation just pisses me off. At least she sat in jail for almost a year now with probation violations and a felony.

05-26-2005, 05:19 PM	#51
brand0n been very busy Join Date: Nov 2002 Location: the queen city Posts: 26,983	640 8 chars __________________ want to buy this spot for cheap? it is of course for sale. long term deals are always the best bet. brand0n/ at/ a o l dot commies.

05-26-2005, 05:25 PM	#52
NoCarrier We need more free porn Join Date: Mar 2002 Location: Montreal Posts: 16,356	Just checked and my score is 709. I also bought a house a month ago. The mortage is still not in my credit report. I don't know if this will help or not my score. Anyone know? __________________

05-26-2005, 05:36 PM	#54
DatingGold $6 PER EMAIL JOiN Industry Role: Join Date: Feb 2003 Location: California Posts: 13,185	I think I'm around 212.. is that good? __________________ 9 Years of SOLID payouts and conversions! ADULT DATING - $100 PPS LIVE CAMS - $214 PPS WWW.DATINGGOLD.COM ICQ: 27442303

05-26-2005, 06:04 PM	#55
PersianKitty Meow Media Inc. Industry Role: Join Date: Jul 2001 Location: In the valley of the sun, cactus, tacos, tequila, and nod Posts: 7,785	748 with Equifax, 724 with Experian and 710 with Transunion. Major issues that bring mine down a bit. I have no mortgage or car payments so there's no installment loans that are current. I have a line of credit that's large and mostly unused. I don't use alot of credit cards at all. I live by my debit card. __________________ Wondering what webmaster programs PK uses? Check them out here!

05-26-2005, 06:15 PM	#60
Veterans Day Confirmed User Join Date: Jul 2003 Location: The Windy City Posts: 8,403	everyones credit is like their cock size way over exaggerated, after looking at 10's of 1000's of reports, brokering mortgages for 10 years, its funny how good people think their credit is __________________ Build a Massive Traffic Network, Hands FREE, Totally Automated

05-26-2005, 06:17 PM	#61
bigdog Confirmed User Join Date: Jul 2001 Posts: 6,964	pay you fucking bills on time i recently had a big drop because of a late payment i could have avoided Last edited by bigdog; 05-26-2005 at 06:19 PM..

05-26-2005, 06:22 PM	#63
PurrrsianPussyKat Confirmed User Join Date: Jan 2004 Location: Lost in the mountains Posts: 2,088	Mine is only 697, but I'm working on it. __________________ Need a reliable, reasonably priced php programmer? Hit me up! 2934409

05-26-2005, 06:24 PM	#64
bigdog Confirmed User Join Date: Jul 2001 Posts: 6,964	funny thing when my credit score took a dive, one credit card company lowered my limit from like 32k to 22k

05-26-2005, 06:26 PM	#65
mkx Confirmed User Industry Role: Join Date: Nov 2003 Location: Toronto Posts: 4,001	bdjuf = equifax.com or .ca I believe. Not the same thing from my understanding. Last edited by raulph; 05-26-2005 at 06:28 PM..

05-26-2005, 06:50 PM	#73
Centurion Confirmed User Industry Role: Join Date: Dec 2002 Location: SeATtle Posts: 6,033	When I bought my current home last month, 770. __________________

05-26-2005, 06:57 PM	#75
Furious_Male Doing the grind since 99 Industry Role: Join Date: Oct 2003 Location: Buffalo NY Posts: 16,883	720 and climbing __________________ Living in Virtual Reality Contact: Email (preferred): furiousmale .at. gmail - Skype: live:shanedws

05-26-2005, 07:00 PM	#77
imafuckingaussie Confirmed User Join Date: Jul 2003 Location: In the fucking outback Posts: 1,497	Hey Amputate your Head, not relevant to your thread, but are you available to do paysite designs at the moment? I saw a really nice site with your logo on it the other day and was wanting to know if your available? My icq is 5 2 1 1 0 2 8 3 thanks, __________________ You can get it ploughing a paddock, you can get it makin some porn sites, matter of fact I've got it now. For a hard earned thrist, you need a big cold beer.

05-26-2005, 08:23 PM	#78
Ecksent Confirmed User Join Date: Nov 2004 Location: Near Vancouver Posts: 1,415	Amputate. Can ya hit me up on ICQ when you have a sec. 222-549-540 Thanks man. __________________ Anyone wanna sig spot.......cheap????

05-26-2005, 08:38 PM	#80
V_RocKs Damn Right I Kiss Ass! Industry Role: Join Date: Dec 2003 Location: Cowtown, USA Posts: 32,422	Rich, you have a point to some extent... If you want to buy a 4 plex to rent and don't have the money, you can get 'credit'. Then you can turn it and sell it for 30% profit, using that as a down on one you plan to keep and actually rent. If you USE credit to YOUR advantage then it can be a wonderful thing. I bought a used Jeep Cherokee. Why used? Because I don't feel like paying $26,000 for a new one that will be worth 1/2 that in 2 years. I bought it on credit. And like Amp, I played THEIR game for about 8 months. Minimum payments. Then I called and asked what I owed if I paid in cash today and then went down and gave them the remainder. Doing it this way showes that I can pay payments on time and also that I pay my shit back. Also it shows that I can come up with decently large sums of money. Which means they can give me a new one next time and not worry. I wouldn't buy a TV on credit. Unless I wanted a higher limit on my card. Then I would and I would (and have) paid it off right away. I have zero balances on my credit cards unless I use them to buy shit and pay them off when I get home via online payments. A lot of people could learn a lot from what Amp has written. A lot of people can get the wrong impression of credit reading what you are writing, Rich.

05-26-2005, 11:06 PM	#82
V_RocKs Damn Right I Kiss Ass! Industry Role: Join Date: Dec 2003 Location: Cowtown, USA Posts: 32,422	Nice, thanks Jonesy

05-27-2005, 05:50 AM	#85
TheWylders Confirmed User Join Date: Jul 2004 Location: Memphis, TN Posts: 623	850 is the highest Great thread, just checked and one of my credit cards offers the same service for free. Now I can keep up with it. I'm getting ready to sell one of my houses, does anyone know if this will affect my FICO score positively or negatively or will it have no effect. We currently have 2 homes the oldest one (the one we're selling) I've had for 9 years the other for 3.

06-01-2005, 12:02 AM	#86
nap Confirmed User Join Date: Dec 2002 Location: midwest Posts: 2,765	I know that i'm late but I didn't get a chance to respond last week. I'm @ a 615 now and judging from this thread my score is very low. How can I increase my score? I have rent. A school loan that has 1300 left on it. Two credit cards, one of which I just paid off. Insurance and a car payment. Normal bills like cable modem, electricity, water, etc. That is it as far as bills. Should I request another credit card with a larger limit or should I just wait and let it build over time (im 23)? Any suggestions are appreciated.

06-01-2005, 12:06 AM	#87
badmunchkin Confirmed User Join Date: Feb 2003 Location: Los Angeles, CA Posts: 3,797	bump for AMP's last sensible thread __________________ Custom, Full Color Printing with BIG Discounts for GFY! ICQ 283197499

06-01-2005, 12:21 AM	#88
shermo Guest Posts: n/a	And that's with a house and a new car in the last year.

08-02-2005, 10:57 PM	#95
BSleazy Confirmed User Industry Role: Join Date: Aug 2002 Location: USA Posts: 6,721	Well I definately have something I need some advice on. Several years ago I signed for a ford explorer suv with my now ex girlfriend. I had better credit or something so she just co-signed. We later broke up on no so good terms, she took the truck, never paid insurance, got drunk, drove it through some store, the store was brick and the truck was totalled. She went to jail for quite some time because she injured her friend(her friend was above 21 though which is weird and my ex wasnt). Anyways, now I have a $12,000+ collection on my report so I don't know what to do. And, the bad thing is that the truck wasn't worth anywhere near that, more like $6,000 but I was younger and had no credit and got stuck with some crazy 100% interest or whatever it was. __________________ icq 156131086

08-02-2005, 10:58 PM	#96
Amputate Your Head There can be only one Industry Role: Join Date: Aug 2001 Location: Somewhere else Posts: 39,075	great bump there! but I don't entertain 3 month old threads.

08-02-2005, 11:30 PM	#97
lchaim Confirmed User Join Date: Jun 2005 Location: West Coast Posts: 626	Sounds like you have a very nice grip on things AMP. Great post. BTW, if you don't mind me asking, are you still primarily in the design business or are you running sites now? __________________ L'Chaim: interj. Pronunciation Key (la khi yem) - Literally "To Life." Used as a toast.

08-02-2005, 11:44 PM	#99
pornguy Too lazy to set a custom title Industry Role: Join Date: Mar 2003 Location: Homeless Posts: 62,911	16... I am doing kick ass __________________ PornGuy skype me pornguy_epic AmateurDough The Hottes Shemales online! TChicks.com \| Angeles Cid \| Mariana Cordoba \| MAILERS WELCOME!