What's your credit score?

[IsThatBrothaMouzone?]

Resurrecting this thread lol.

There are various scoring models. They have some that focus on auto loans while others put more weight on credit card scores or your potential risk as a mortgage applicant.

A person with an average score of 750 from the big 3 credit companies might have a 690 on the auto loan models if they've always paid for cars in cash and never used an auto loan before.

My scores seem to range between 740 and 770 with the big 3 (Experian/Equifax/TransUnion) but I'll be curious to see what happens since I'm in the market for a car. Probably going to get financing from credit unions and banks before walking into the dealership...let them "think" I'll finance with them and then drop the credit union offer on the table.

 

[old pig]

2

 

[LeVraiPapi]

I am currently at 840 as of 11.26.19 per Equifax.

What did you do to reach that number? It seems that I stay around 765-800 max.

 

[Family Lives Matter]

What did you do to reach that number? It seems that I stay around 765-800 max.

A few years ago when I was around that I brought a watch on finance (had the cash and it was 0% interest for 12 months) paid in for first 6 months as stated then paid the rest off by cash.

This was a year or so before buying a house as I didn't have much history of credit at that point

 

[BaldingSoHard]

Latest pull was 840. Closing in on perfection .

 

[The M.I.C.]

shyt done fell like 40 points, still good but carrying debt like Atlas carrying the fukking globe.

 

[Mike809]

620.
6 months ago it was like 560 lol . im slowing fixing it.

 

[Mega]

What did you do to reach that number? It seems that I stay around 765-800 max.

My oldest credit is 15 years old. I always paid it on time. Never had any collections on anything. Another thing I would do is I would run up charges on my card for one month. Take the credit hit of like 10-25 points. Then pay off the card fully the next period. It would boost my scores up crazy.

My Scores fluctuate between 840-845

 

[LeVraiPapi]

My oldest credit is 15 years old. I always paid it on time. Never had any collections on anything. Another thing I would do is I would run up charges on my card for one month. Take the credit hit of like 10-25 points. Then pay off the card fully the next period. It would boost my scores up crazy.

My Scores fluctuate between 840-845

You right.

I have not been using my cards at all. They sitting here with 0 balance and I only got 2 cards. I need to open like 5 honestly.

My Chase Business cards give 5% back on all purchases. I never used them. Dumb ass me smh

Thanks breh

 

[Alvin]

799, fell 4 points for whatever reason

Had a couple of collections (medical bills I didn't know I had to pay ) when I was younger (like early 20's, nothing more than $50). Other than that I pay off everything in full and when it's due.

 

[klientel]

I usually hover around 820-830, I can’t seem to get higher than that. About a month ago I started experimenting with paying off all my cards and carrying no balances. Since then my score has been sensitive a fukk lately. It’s been fluctuating like crazy....

 

[Alvin]

what app

 

[TheNig]

just did my credit score through Credit Karma and I'm sitting pretty at 796. Should crack over 800 on the next report since it's not showing my most recent CC payoff

This is a far cry from a year ago when it was low 600s and I had 16k in CC debt and 3 cents in my savings.

I'm proud of myself brehs I was in a hellhole financially 13-14 months ago

Just checked it yesterday... 733

Could be higher. But I'm currently tryna dispute some TMobile shyt. I've never had TMobile in my life but somehow I had an account with them about 4 years ago. The even got my last 4 to my SS.

 

[Listen]

what app

MyFICO for com.

 

[BunchePark]

Just had to cop my jit a new whip