What's your FICO score
 

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

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

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

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

What the fuck is that number ?

What's so funny? :disgust

Last time i checked it was around 660.

your value as a human being. (credit score)

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.

hows that??

i was paying $30 a year to check mine lol :helpme

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

Im at 690

yes, you do.

just looked 770

:)

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.

740 or so +/- last i checked

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. :)

well tell us where?

oh ok......

still strong at 807 :thumbsup

cool cool I gotta get mine again to check stuff.

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

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

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...

Hope those are not hard pulls. :)

thats a nice gain in less than a year

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

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

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=

Now.. wot's FICO?? :1orglaugh

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

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

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. :2 cents:

nice fuckin post!!!!!!!! Amen! :thumbsup

well said

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.

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