(Closed) What is your credit rating?

posted 5 years ago in Money
  • poll: What is your credit score?
    Under 400 : (0 votes)
    401-450 : (0 votes)
    451-500 : (0 votes)
    501-550 : (3 votes)
    3 %
    551-600 : (1 votes)
    1 %
    601-650 : (8 votes)
    8 %
    651-700 : (12 votes)
    12 %
    701-750 : (28 votes)
    28 %
    751-800 : (28 votes)
    28 %
  • Post # 3
    Member
    8884 posts
    Buzzing Beekeeper

    Oops clicked the wrong one. I’m a non-US bee, no idea but it’s good 🙂

    Post # 5
    Member
    2295 posts
    Buzzing bee
    • Wedding: April 2013

    I don’t track my credit score that closely, just because I’m not taking out any new debt and I know it is good and my behaviors are right to keep it good. I don’t want to pay to get it. A few times a year I’ll look at Credit Karma to get an estimate, but I don’t pay to get the real score from the agencies.

    I DO, however, pull my credit report every 4 months (once a year from each of the bureaus) to make sure there isn’t anything inaccurate on it. That is free and very important to protect yourself from identity theft or just plain mistakes (like a parents’ credit getting put on your report, etc). It doesn’t matter if you have good credit or bad credit, everyone should be doing that. AnnualCreditReport.com is the place to get those reports – I just set a reminder on my calendar for every 4 months to go pull one of the bureaus.

    The last time it was actually pulled was in 2009 when I got my mortgage. I know there was about a 40 point swing between the three, which is important to know that happens. Most creditors just pull one and a 40 point difference can make a big difference. I seem to remember one was either right below or right over 800 (I remember because I was excited to see that 800 number, LOL). I want to say they ranged between 760 – 800.

    I just went and checked Credit Karma and it put me at 762 (not the real score, their estimate of the real score). It’s kind of interesting, I had been averaging 750 for a LOOOOONG time on Credit Karma and just got a bump when I sold my house and paid off my mortgage in December. Interesting.

    Credit scores… I definitely have mixed feelings on them. But we try to keep ours up just so we have as many options as possible available to us in life.

    Post # 6
    Member
    7653 posts
    Bumble Beekeeper
    • Wedding: July 2012

    I don’t monitor mine, but we needed to have ours run for our house to see if we could get financed, and we were in the 751-800 range. DH even had one that was 806! Felt good to know that we are doing well 🙂

    Post # 7
    Member
    1850 posts
    Buzzing bee
    • Wedding: April 2015

    I’m very, very proud of my credit score. Since I have over $75K of student loans, I’m very happy that my credit is still in the “A” range (750+). I never miss a payment, ever. I call if I even think I would. I know that if I paid off all of my loans now, I’d have a credit score over 800.

    Post # 8
    Member
    9143 posts
    Buzzing Beekeeper
    • Wedding: November 2013 - St. Augustine Beach, FL

    Ex husband assassinated mine.  Yell

    Post # 9
    Member
    5011 posts
    Bee Keeper
    • Wedding: April 2012

    Non-US but my credit rating is practically perfect.

    Post # 10
    Member
    6124 posts
    Bee Keeper
    • Wedding: August 2012

    I am 780; H is over 800.

    Post # 11
    Member
    442 posts
    Helper bee
    • Wedding: June 2013

    I am VERY proud of my 706 because of my student loans and terrible college credit usage. I’ve come back to an acceptable score. As soon as I’m out of AmeriCorps and get a full time job I’m sure my score will raise to the 750 range because I’ll be able to pay my existing debt all the way down!

    Post # 12
    Member
    10563 posts
    Sugar Beekeeper
    • Wedding: January 2011

    @DaneLady:  I thik we have a fairly similar system, but don’t know enough to comment on what differs.  I don’t think many Canadians know their credit score .  We have to pay to find it out, whereas we can get credit reports via mail for free.  Also, various places have their own scoring methods, so knowing the specific number for one agency isn’t useful.

    I paid for my score once, out of curiousity and I don’t remember what it was.  It would have been above 700 for sure, maybe the 800s?

    The topic ‘What is your credit rating?’ is closed to new replies.

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