Do you know your credit score?

TLR Is Mental Poison

The Coli Is Not For You
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I thought I did

Did FreeCreditScore.com or whatever the fukk, me and wifey were like within 20 pts of each other and I was at ~690. We go to apply for a mortgage, her credit is 800 mine is 650 :wtf:

So even if u think u know ur credit, u really dont. For mortgages at least they use a totally different algorithm than the reporting consumers have access to. shyt had me tight :aicmon:
 

Blackout

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I thought I did

Did FreeCreditScore.com or whatever the fukk, me and wifey were like within 20 pts of each other and I was at ~690. We go to apply for a mortgage, her credit is 800 mine is 650 :wtf:

So even if u think u know ur credit, u really dont. For mortgages at least they use a totally different algorithm than the reporting consumers have access to. shyt had me tight :aicmon:
i use creditkarma.com

its the best so try that site and tell me what you get so i can see if its accurate.

I have 683 credit tho

but its rising. :blessed:
 

meth68

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Mortgages INCREASE scores. I don't have a mortgage and am wondering if there's any hope of breaking that 800 ceiling without one. I know of people who finished paying off their mortgage.. and their scores dropped substantially. :sadcam:

That is not solely due to the mortgage, other factors are involved. The main things that build your # up or down
1) history length of credit, you need to owe money to have a credit score, that dude running around paying cash for everything might end up having a 560 lol
2) revolving credit, how much is your total allowed, compared to your total owed
3) delinquencies

mortgages dont increase your credit score anymore then paying off your car on time or cards on time.
 

meth68

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I thought I did

Did FreeCreditScore.com or whatever the fukk, me and wifey were like within 20 pts of each other and I was at ~690. We go to apply for a mortgage, her credit is 800 mine is 650 :wtf:

So even if u think u know ur credit, u really dont. For mortgages at least they use a totally different algorithm than the reporting consumers have access to. shyt had me tight :aicmon:

Yea I mean if you want a general idea get your FICO for free, most credit cards give it to you for free every month. If you want the truth you need to run a legit check through all 3 boroughs , good to do anways cause sometimes you will find 1 being WAY off,,,they are always different by 10-30pts but sometimes people are 80-100+ off, and it turns out something is reported incorrectly on one of your 3, then there is ways to getting it removed but it gets annoying
 

intruder

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From all 3 bureaus
  • 716
  • 730
  • 724
Thus why i qualify for these 0% car loans :win:
I really need to understand how the scores work tho. My sh!t was at 730 on Experian. I paid down my CC debts to damn near half of what it was and instead of going UP it went down by 14 points to 716
 
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GunRanger

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It's been a while, but

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we did it brehs

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ThaBronxBully

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My shyt Was Higher But I Had A Hard Inquiry On My On It When I Was Aparment Hunting And That Brings It Down A Little

 
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