(Closed) Credit Scores

posted 6 years ago in Money
  • poll: What is your credit score?
    300-400 : (2 votes)
    3 %
    401-500 : (0 votes)
    501-600 : (3 votes)
    4 %
    601-650 : (5 votes)
    7 %
    651-700 : (11 votes)
    16 %
    701-750 : (19 votes)
    28 %
    751-800 : (21 votes)
    30 %
    801-850 : (4 votes)
    6 %
    I have no idea. : (4 votes)
    6 %
  • Post # 3
    Member
    2104 posts
    Buzzing bee
    • Wedding: November 1999

    @Mrs.KMM:  It’s like you read my mind!  FI and I were checking our scores the other day and I swear it’s completely random how they figure it out.  He couldn’t be doing anything more to improve his credit (or have a better credit history) but it’s still below 800 and considered a “moderate risk”.  Thankfully after being a homeowner in the past, I’m happy to rent the rest of my life!!!  lol

    Post # 4
    Member
    928 posts
    Busy bee
    • Wedding: August 2011

    @Mrs.KMM:  Ever since my wallet was stolen a few years back I’ve been a bit OCD about my credit score. It’s in the high 700 range at the moment, but could be better because I’m carrying student loans and a credit card balance from a stint as an unemployed grad student couple years ago. Darling Husband has a much better score than I do, his is in the mid 800s. We’re in the process of buying a house so my score has been fluctuating a bit, but hopefully the mortgage will end up bumping it up a bit since it’s technically ‘good’ debt to have. I check my score once a month through my American Express. I feel better know that I’m on top of it and I know where I stand.

    Post # 5
    Member
    5296 posts
    Bee Keeper
    • Wedding: January 1993

    Mine is somewhere around 750. But that’s through Credit Karma which I’ve heard isn’t as accurate. It docks me for not having enough credit cards (I have 2) and their average age of each credit line isn’t very old. Sorrrrrrrrrry that I’m young! Lol!

    Post # 7
    Hostess
    18643 posts
    Honey Beekeeper
    • Wedding: June 2009

    We are both in the 800s.  The process is pretty stupid sometimes, even if you pay your cards on time and never have a late payment you could have a bit lower score because of your mix of credit or the credit to debt ratio.

    Post # 8
    Member
    9029 posts
    Buzzing Beekeeper
    • Wedding: June 2011

    Mine is nearly 800 but the actual score is not as important as your credit history and worthiness. my husbands credit score is much lower than mine but he has a more solid credit history he has bigger loans etc so he always gets approved for things that I dont. He even had to cosign for me for a credit card because they said I didnt have a long credit history since i was out of the country for a while. SO even though I have a higher score than him, he technically has better credit.

    Post # 9
    Member
    5496 posts
    Bee Keeper
    • Wedding: April 2010

    Mine is about a 720 and my DH’s is in the high 700’s.

    Post # 10
    Member
    2695 posts
    Sugar bee
    • Wedding: February 2008

    You can get full, free credit reports once a year from all the major agencies.  They give you the info on what is impacting your score – very interesting stuff. It can be the number of cards you have, old delinquencies, etc etc .  Make sure you go to the right place though – some places try to trick you into the free report but are actually singing you up to a subscription service (with a “free” trial period).  Everyone should do this – it is also a good way to spot frauds or other things that could be impacting your score that you don’t even know about!

    get your free reports:

    https://www.annualcreditreport.com/cra/index.jsp’ defer=’defer

    read about the program from the FTC

    http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

    Post # 11
    Member
    1544 posts
    Bumble bee
    • Wedding: June 2013

    Both just under 750 but his slightly higher. We are hoping that mortgage will increase it.

    Post # 12
    Member
    915 posts
    Busy bee
    • Wedding: December 2012

    Look how awesome our credit scores are!!! There should be a poll about our men’s haha, there would probably be a huge difference! Us women are so responsible 🙂 woo-hoo!

    The topic ‘Credit Scores’ is closed to new replies.

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