What's your FICO score

[Amputate Your Head]

mine dropped some.... but I know why. It's all good.
Sitting at 751 right now.

[Harmon]

Just had it done at the Benz dealer... 780

[Sly]

I haven't checked in probably 2 years, it was around 680. No idea what it is now.

[JSA Matt]

Originally Posted by Harmon

Just had it done at the Benz dealer... 780

do i have a FICO score if I am in canada?

[Basic_man]

What the fuck is that number ?

[Harmon]

Originally Posted by JSA Matt

What's so funny?

[After Shock Media]

Last time i checked it was around 660.

[Amputate Your Head]

Originally Posted by Basic_man

What the fuck is that number ?

your value as a human being. (credit score)

[colpanic]

I checked mine recently (FYI you can do it for free now once/year on the government), and I was at 780 as well.

I think they upped the top to 800 or something though.

[Amputate Your Head]

Originally Posted by colpanic

I checked mine recently (FYI you can do it for free now once/year on the government), and I was at 780 as well.

I think they upped the top to 800 or something though.

I can check mine any day of the week for free.

[Babagirls]

Originally Posted by Amputate Your Head

I can check mine any day of the week for free.

hows that??

i was paying $30 a year to check mine lol

[Nanda]

Originally Posted by colpanic

I checked mine recently (FYI you can do it for free now once/year on the government), and I was at 780 as well.

I think they upped the top to 800 or something though.

I think the highest is 850. My husband's is 792, mine 780.

[Fresh]

Im at 690

[StuartD]

Originally Posted by bdjuf

do i have a FICO score if I am in canada?

yes, you do.

[Mrs. Lenny2]

Originally Posted by Babagirls

hows that??

i was paying $30 a year to check mine lol

https://www.annualcreditreport.com/cra/index.jsp

[College Downtime]

just looked 770

[Amputate Your Head]

Originally Posted by Babagirls

hows that??

i was paying $30 a year to check mine lol

i can also track any changes to it by +/-20 points and have it emailed to me when it happens with details on what's going on.

[Sly]

Originally Posted by Amputate Your Head

i can also track any changes to it by +/-20 points and have it emailed to me when it happens with details on what's going on.

I have that service as well. My credit card offers it. Its to prevent fraud supposedly.

[Juicy D. Links]

740 or so +/- last i checked

[Juicy D. Links]

Originally Posted by Amputate Your Head

I can check mine any day of the week for free.

which service?

[Amputate Your Head]

Originally Posted by Juicy D. Links

which service?

comes with one of my CCs....
but I also have a girlfriend in the mortgage industry who can run credit on anyone anytime anywhere. Comes in kinda handy sometimes.

[axelcat]

Originally Posted by Amputate Your Head

i can also track any changes to it by +/-20 points and have it emailed to me when it happens with details on what's going on.

well tell us where?

[axelcat]

Originally Posted by Amputate Your Head

comes with one of my CCs....
but I also have a girlfriend in the mortgage industry who can run credit on anyone anytime anywhere. Comes in kinda handy sometimes.

oh ok......

[BlueWire]

still strong at 807

[Juicy D. Links]

Originally Posted by Amputate Your Head

comes with one of my CCs....
but I also have a girlfriend in the mortgage industry who can run credit on anyone anytime anywhere. Comes in kinda handy sometimes.

cool cool I gotta get mine again to check stuff.

Anybody recommmend a service like amp uses but as a on its own service?"

[Amputate Your Head]

Originally Posted by BlueWire

still strong at 807

sweet.... 750+ gets you pretty much anything you want, but you got god-like powers over 800...

[pubenemy]

I was hovering around 600 back in august of last year when the hurricane hit here in FL, missed a few payments with all the craziness of that, it dropped to 501. Nearly a year later Im at 638...

[SureFire]

Originally Posted by Amputate Your Head

I can check mine any day of the week for free.

Hope those are not hard pulls.

[flashfire]

Originally Posted by pubenemy

I was hovering around 600 back in august of last year when the hurricane hit here in FL, missed a few payments with all the craziness of that, it dropped to 501. Nearly a year later Im at 638...

thats a nice gain in less than a year

where can I check mine if I'm in Canada?

[Sly]

Originally Posted by Juicy D. Links

cool cool I gotta get mine again to check stuff.

Anybody recommmend a service like amp uses but as a on its own service?"

My Discover has something similar. Its called Profile Protection I believe.

[Babagirls]

Originally Posted by Juicy D. Links

cool cool I gotta get mine again to check stuff.

Anybody recommmend a service like amp uses but as a on its own service?"

i use Eloan's credit score monitoring service. updates every 1st of the month and emails you when your credit score has changed. $30 bucks for a year.

http://eloan.com/myeloan/cmsinfo?sid...E&user=&mcode=

[Webby]

Originally Posted by Amputate Your Head

mine dropped some.... but I know why. It's all good.
Sitting at 751 right now.

Now.. wot's FICO??

I don't have one of em, never will, and pleased to keep it that way :-)

[sweetcuties]

Last time I checked a few mths ago... around 690

[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.

[Babagirls]

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.

nice fuckin post!!!!!!!! Amen!

[nnweb]

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.

well said

[Amputate Your Head]

and to put this in a little perspective for you....

Paris Hilton had loan documents come through here a few months ago. She was declined the loan. Now we all know she's got money falling out of her ass.... but it doesn't matter. She was applying for a loan... loan = credit. Her FICO score is shit. She was denied.

Funny, but true.

[Mr Pheer]

Originally Posted by Amputate Your Head

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.

you'd be better off to let it run for 4 or 5 months

[Amputate Your Head]

Originally Posted by MrPheer

you'd be better off to let it run for 4 or 5 months

you're completely right.... I thought about that after I posted.

[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!

[V_RocKs]

Originally Posted by Amputate Your Head

mine dropped some.... but I know why. It's all good.
Sitting at 751 right now.

Got a question for you.

Have you always had credit above 728 or have you cleaned up from past problems?

[Amputate Your Head]

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!

yeah, I feel ya... been there, done that. It sucks.
But I tell everyone on the subject, there isn't one single magic cure... it's a combo punch. Keep the revolving down, but active. Larger loans, run them for a while, then kill them. I got a couple of large long terms I've been steady on for about a year that I'm getting set to nuke in about a month...

the formula works.... 12 years ago I couldn't get anyone to even give me a pre-paid card. It was that bad. Now I got mutha fuckers throwin' credit at me. My score actually went down a few notches a couple months ago because I had too much 'available' credit. (crock of shit if you ask me).
But I think the most important thing is just to keep things moving... keep shit active, don't go crazy, and every once in a while, show them you got what they want. Charge up $20k... pay a few months minimum payments.... then pay it off. A month later your limits will double. I have personal cards with $30k limits. It's obscene.

[Babagirls]

oh, and is it true that when your FICO scores gets to "good", you start recieveing a bunch of CC offers in the mail??

I just got approved for a new apartment (in which they had to check my credit score) and now im getting CC offers in the mail LOL

[Amputate Your Head]

Originally Posted by V_RocKs

Got a question for you.

Have you always had credit above 728 or have you cleaned up from past problems?

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.

[Amputate Your Head]

Originally Posted by Babagirls

oh, and is it true that when your FICO scores gets to "good", you start recieveing a bunch of CC offers in the mail??

I just got approved for a new apartment (in which they had to check my credit score) and now im getting CC offers in the mail LOL

I get tons of CC offers daily....

but the beauty is, I get to pick and choose what I want. No one has me under their thumb anymore. And if I call up one of my CCs and tell them I want a lower rate or I'm cancelling, they do it. Lower rates, no fees, higher limits....

this is what I was talking about.... power, leverage, & options. The more valuable you are, the better deals you get.

[Babagirls]

Originally Posted by Amputate Your Head

I get tons of CC offers daily....

but the beauty is, I get to pick and choose what I want. No one has me under their thumb anymore. And if I call up one of my CCs and tell them I want a lower rate or I'm cancelling, they do it. Lower rates, no fees, higher limits....

this is what I was talking about.... power, leverage, & options. The more valuable you are, the better deals you get.

my credit score went from 520 to 600 this past year.
got a copy of my credit report, started paying shit off here & there, added a couple utility bills to my name, havent had any credit checks (which lower the score).......and then the boyfriend & i looked for a new apartment, they checked both of our credit scores (mine is better than his), and got approved.

now all of a sudden, im getting credit card offers in the mail. and i havent got a credit card offer in the mail in YEARS lol thats why im curious.

[Amputate Your Head]

In a nutshell.... credit is important. VERY important.
And if you don't think so, you're missing the bigger picture. Credit affects you in nearly every way of your life.

Think about it.... the ability to get whatever you want..... on nothing more than your name.



and I'm not talking about charging your damn shampoo at Walmart. I'm talking about getting a screaming fucking deal on a $2 million dollar home for no other reason than YOU want it. And having 10 people bend over backwards to make sure you don't get a hangnail in the process.

[Amputate Your Head]

Originally Posted by Babagirls

my credit score went from 520 to 600 this past year.
got a copy of my credit report, started paying shit off here & there, added a couple utility bills to my name, havent had any credit checks (which lower the score).......and then the boyfriend & i looked for a new apartment, they checked both of our credit scores (mine is better than his), and got approved.

now all of a sudden, im getting credit card offers in the mail. and i havent got a credit card offer in the mail in YEARS lol thats why im curious.

you can pretty much throw all of them away.... unless they're gonna give you something worthwhile, like 1% for 3 years.... or 9% fixed.... no fees... high enough limit to transfer everything you need to....

otherwise it's just junk.