What's your credit score?

[Tunez]

I'm a virgin, how can I check my credit score?

 

[mannyrs13]

It doesn't matter....nikkas worry too much about credit score....Good for you that you were trusted by a CC company to be in debt over 15k with their card.

You do know that credit score is way more than how much a credit card company loans you right?


As far as me, my credit karma scores are in the low 800s. Don't know about actual ones but I imagine at least 750 or 770 even.

 

[You_Ugly_on_Skype]

 

[Mr swag]

790.

11.6k in debt (car)

 

[Wallychamp]

735

 

[Listen]

True, but my credit Karma score was pretty accurate. My scores were like 806 (equifax) and 820 something (trans union). I applied for a credit card for the travel benefits a month or so ago and they said my FICO score was like 831. So it was off, but close enough

If my credit history was longer I might have been able to get to 850, or at least in the 840’s. But we’re not making any big purchases right now so it’s irrelevant, I suppose.

I was just sharing info for the people who may not know Breh, like I said after they aren’t worthless just many readers don’t know the difference.

 

[Listen]

I just told y'all I ran my scores through Equifax directly and this is accurate though

I literally have my entire credit report in a PDF on my PC dated 2.16.19 (since each bureau gives you one free report a year)

Credit Karma is not as far off as you guys are making it out to be. As a realtor I run credit often and people will say "can I just show you my credit karma" which we never accept as it could be doctored but more often than not their TransUnion is within 20 points of the score they've shown me. We also do a hard pull and get their ENTIRE report. I've ran more credit than I can count. In fact I just finished running someone's credit 20 minutes ago.

Not sure why you took my post as some sort of challenge to your credit prowess Breh, just sharing information in the thread.

 

[Sunalmighty]

My max was 820. I tell niccas mane, especially young black folks keep your CC and other forms of debt low as possible. You never know when a real estate opportunity will be there

 

[Anerdyblackguy]

My credit score

 

[Illuminatos]

611
Owe about 3K. I got the card when I was 21 and didn’t really understand it. Made some dumb purchases but right now I’m still in college with no real income. I pay the minimum every month but when I graduate this summer I’ll have a job and will pay it off before the year.

 

[The M.I.C.]

715 last time I checked..fukking DirecTV.

 

[Listen]

They dont teach it. Keep going breh.

Without doing research on all this it’s also hard to understand “how” they calculate your credit history into a score.

35% of the ratio is based on your Payment History
30% is based on your amount of debt
15% is based on the length of your credit history
10% is based on the amount of new credit
10% is based on the mix of credit you have


Payment history is easy enough to understand....they basically want to see no payments paid late (within 30 days doesn’t count as it doesn’t report to your credit bureaus until it’s 30 days late)

Amount of debt is really all about a ratio: How big are the credit limits lenders have been willing to extend to you, and how much of them are you using.

An example would be “ Amex gave me a 10k credit limit, and I carry a balance month after month of around 5k, but I make my payments on time”. They would call that 50% utilization of your available credit. They like to see all of your cards under 30% and your total limits under 30%. That will give you the highest score for this section.

This is where people fukk up closing cards they don’t use. It lowers your available credit and then makes your ratio worse, there by lowering your score.

Length of credit history just means the like longer credit Files.

New credit is that they don’t like when you apply for a lot of new loans and cards because that makes you look more risky to over extend and default. Hard inquiries are what they care about here.

Credit mix is they love a file that has a Mortgage, a car note and some credit cards, as that shows them you are responsible as a whole with your finances.

I’ll add more of people care.

 

[Harry Sax]

Secure credit card

I tried that too even paid the 500 or how much ever and they sent my shyt back...idk what I did wrong

 

[Silkk]

I tried that too even paid the 500 or how much ever and they sent my shyt back...idk what I did wrong

Dont mean to laugh but thats crazy if true, what bank?

 

[Harry Sax]

Dont mean to laugh but thats crazy if true, what bank?

I wanna say capital one

Why wouldn’t it be true? I just wanna be able to rent cars if I need to