Support NeoGAF

[theusedversion]

Title says it all. Just recently checked my credit score and I have a 750 with Transunion. It was higher than I expected. I haven't checked it for a couple of years. I was a bit foolish with my credit when I was younger but it seems that is all in the past. So keep that in mind if you find yourself with a low score. You will eventually get out of it if you make your payments on time.

I have two cards and both are from Capitol One, one Mastercard and one cashback Visa. Capitol One has the free CreditWise app/site which shows your Transunion score. They even have a credit simulator where you can enter in different variables to see how it affects your score. According to their simulator, carrying a balance doesn't affect your score as much as you would think. But I have no idea how accurate it is. I carry balances on both of my cards but I'm hoping that I can get over that 800 mark once I get those paid off.

Curious how my score holds up to GAF. Do we have any perfect 850s out there? Only 0.5% of credit card holders ever make it there.

 

[EchoChamber]

I don't have any.

 

[Relix]

I have about 790. Had 800 but contracted a cable Internet service when I moved a few months ago and they did a hard inquiry into my credit when I believed it was soft or a glance. Still trying to get that fixed.

Have the Costco Amex, a Everyday Blue Cash Amex, a credit union master card, and a Citi Diamond Preferred Visa.

 

[Alucrid]

why are so many gaffers interested in my credit score

 

[Soriku]

Firmly over 9000

 

[loaf of bread]

10 outta 10 baby

 

[webkatt]

9001

 

[Sectorseven]

What's the lowest it can go?

 

[theusedversion]

~820 last time I checked.

Do you watch your credit report quite often to make sure everything is cool? Do you (or anyone) use the Transunion, Equifax, Experian sites?

 

[BigDug13]

850.

To go along with my standard issue GAF 12" dick, 6'4" height, and six figure income.

 

[Forearm Star]

Enough for the car loan, not enough for an American Express

 

[CrazyDude]

nah

 

[NoblesseOblige]

769 as of a couple months ago when I was applying for a home loan.

 

[Clockwork5]

On a scale from yes to no...

No.

I don't know the number but I know with my student loans I have no business borrowing more money.

 

[theusedversion]

why are so many gaffers interested in my credit score

Damn, I didn't see it when it came around. My bad. One of the other credit card threads made think of it.

 

[Advocatus Diaboli]

Just checked: 815. Thanks, GAF.

35 points to go.

 

[SynthFetish]

Bad, like probably worse then anyone on GAF. Fuck credit scores and credit bureaus

 

[User 479360]

Zero

I've been meaning to get a credit card with a moderate balance for years, but haven't.

 

[juliushandle]

835. I know cuz I recently bought a car. That's also having had 2 foreclosures in my past. What helped me was I still have a property that I continue making timely payments on and I always pay off my credit cards in full every month. Credit score is a fairly forgiving system once you figure out the triggers to decrease and increase your score.

 

[Transhuman]

What is a credit score?

 

[UFO]

761

 

[DjRalford]

990 on Experian last time i checked

 

[obin_gam]

What's the deal with credit scores in the US anyways?

 

[Averon]

Credit Karma tells me 677 from TransUnion and 678 from Experian

 

[Subpar Scrub]

The only thing I've ever gotten that would give me a credit score is a loan that based on my pay at the time, had to be for a minimum period of 6 years.

I paid it off in 4 months.

So... good I assume.

 

[chocoedd]

Is this an American thing or anyone who have cc worldwide has it?

 

[Jzero]

My FICO is almost 800.

 

[AntoneM]

After I dropped out of law school in August after my first year, I suddenly found out that I had a delinquent loan in September. I was given no notice and no warning. No late payment notices or anything; basically my school fucked me for leaving by saying I was no longer enrolled as of May of that year. Now, 8 years later my score is 743. Up from low 600's because of my law schools' fuckery.

Advice. Don't go to law school, do anything else.

PS: Anecdote. Jury duty a couple years ago and the judge asked if anyone had legal experience, I offered that I had gone to law school for a year before dropping out. The judge said "congratulations".

 

[jstripes]

There are times I think threads here are pure data mining.

This is one of them.

 

[WoodWERD]

775-820 depending on which bureau you check

 

[hateradio]

There are times I think threads here are pure data mining.

This is one of them.

I think you just have a low score and don't want to say.

 

[Mistake]

780 last I looked. I don't think I have much on my credit anymore, so I'll add a few things when I get another card back home

 

[Clockwork5]

There are times I think threads here are pure data mining.

This is one of them.

So, tell me. How do YOU manage your passwords.

 

[Angry Grimace]

766, wife's is 797

 

[theusedversion]

There are times I think threads here are pure data mining.

This is one of them.

Fuck, I've been busted. The data in this thread is so useful and, more importantly, valuable. I was hoping to make a quick buck on GAFfers credit scores. Shit, sorry guys.

 

[innervision961]

I was with a succubus for the last decade, she ruined my 720 fico, I'm now sitting firmly at 500 ish (really low 500s). I don't know what to do to bring it up, I can't get a credit line anywhere, I can't even get a capitol one secured credit card. Any tips to help me get back on my feet would be greatly appreciated actually.

 

[Macattk15]

797 Equifax.
789 Transunion.

 

[Unknown Soldier]

I just looked and did they increase the maximum score? Didn't the max used to be 850?

 

[theusedversion]

I was with a succubus for the last decade, she ruined my 720 fico, I'm now sitting firmly at 500 ish (really low 500s). I don't know what to do to bring it up, I can't get a credit line anywhere, I can't even get a capitol one secured credit card. Any tips to help me get back on my feet would be greatly appreciated actually.

I would have thought that anyone regardless of score could get a secured credit card. Maybe try a different bank or just ask someone at a bank if you can talk to someone to see what you can do?

 

[superdeluxe]

821.... Basically what's holding me down is my average age of credit. Everything else is good

 

[gohepcat]

813

 

[BuggyDClown]

I was with a succubus for the last decade, she ruined my 720 fico, I'm now sitting firmly at 500 ish (really low 500s). I don't know what to do to bring it up, I can't get a credit line anywhere, I can't even get a capitol one secured credit card. Any tips to help me get back on my feet would be greatly appreciated actually.

\Yeah you should be able to get a secured card with any bank. Regardless of score. Check with whomever you have your checking account with.

 

[Timedog]

So good!

Spoiler

not good

.

 

[many places]

757 i believe

 

[dity]

Mine's a slam dunk.

 

[Averon]

I was with a succubus for the last decade, she ruined my 720 fico, I'm now sitting firmly at 500 ish (really low 500s). I don't know what to do to bring it up, I can't get a credit line anywhere, I can't even get a capitol one secured credit card. Any tips to help me get back on my feet would be greatly appreciated actually.

Try a secured card from your bank. If that fails, try OpenSky secured Visa card. It's a pretty simple secured card that pretty easy to get approved for. I got approved, and I had no credit history at the time. It has a $35 annual fee, and they are slow to post your payment (takes about a week for your payment to clear and show on your account).

 

[LilJoka]

U.K. 900+

 

[DarkCronos]

what's a credit score?

 

[superbeau]

Edit

 

[entremet]

What's the lowest it can go?

No credit score is possible.