(Closed) Do you have a credit score?

posted 6 years ago in Money
  • poll: Do you have a credit score?
    Yes : (94 votes)
    96 %
    No : (4 votes)
    4 %
  • Post # 3
    Member
    3182 posts
    Sugar bee
    • Wedding: May 2012

    Everyone has a credit score.  I got a credit card because I wanted to start building credit around age 22. 

    ETA – I fact checked myself and apparently it IS possible to not have a credit score.  I stand corrected!

    Post # 4
    Member
    5921 posts
    Bee Keeper
    • Wedding: December 2010

    Strange! Yes, I have credit and monitor it pretty closely. 

    Post # 5
    Member
    1925 posts
    Buzzing bee
    • Wedding: May 2013

    She’s 30 and doesn’t have a credit card?!  That’s strange!  I’ve had one since I was 18 or so, to build up my credit!  I have excellent credit!

    Post # 6
    Member
    354 posts
    Helper bee
    • Wedding: November 2012

    Your roommate is going to have a harsh reality check if he/she ever decides to make a large financed purchase (like a house or car).  It takes time to build credit, you were def smart to start early! 

    Post # 7
    Member
    3265 posts
    Sugar bee
    • Wedding: February 2014

    I can’t imagine being 30 with no credit. That’s just as bad as a terrible credit score!

    Post # 8
    Member
    3170 posts
    Sugar bee
    • Wedding: October 2012

    I just recently got my first credit card and I’m 22. I need to build credit so I can buy my own things (car, house). I’m so glad I did because it’s really helping with certain things!

    Post # 9
    Member
    3182 posts
    Sugar bee
    • Wedding: May 2012

    Actually I have a copy of my credit score on my fridge, because the hubs thought it was hilarious that my credit score was 870 and I was denied a credit card at Kohls. 

    Post # 11
    Member
    13099 posts
    Honey Beekeeper
    • Wedding: July 2010

    Wow – I can’t fathom being 30 and not having any credit.  Hope he never intends to make a large purchase like a house.  For most people, it is pretty hard to pay for something like that with cash.

    Post # 12
    Member
    5921 posts
    Bee Keeper
    • Wedding: December 2010

    @Natalieh86:  Haha, that’s hilarious.  Your credit is TOO good! I thought the highest score possible though was 850? At least that’s what our advisor said.

    Post # 13
    Member
    3182 posts
    Sugar bee
    • Wedding: May 2012

    @NoOneYouExpect:  Well after working for a few years I went to law school and only worked part time.  Apparently my $10,000/yr salary wasn’t too hot with my car loan and student loans!  I’m sure Kohls would be happy to have you.

    Post # 14
    Member
    5118 posts
    Bee Keeper
    • Wedding: November 1999

    I didn’t until I was about 22ish. I found out when they ran our cell plan under my name rather than my mom’s (for credit reasons) and they gave it to me b/c my ‘no credit’ was better than her bad credit. So that spooked me a bit, and I got a credit card that I use just for gas and pay it off in full each month. Just a year of that has boosted me up to a pretty healthy score. I also haven’t had my student loan payments kick in yet, but that’ll help as well.

    In theory, if you go the Dave Ramsey route, the goal is to get back to no credit score because you won’t need one (financing with cash), but for most pple, having a med-good score is better than no score. 

    Post # 15
    Member
    13099 posts
    Honey Beekeeper
    • Wedding: July 2010

    @NoOneYouExpect:  Does he not realize that part of what helps make a credit score good is the amount of time you’ve had credit (and obviously been responsible with it)?  So he’d be much better off in 8-10 years when he wants that house if he’d started his “credit clock” 10 years ago than if he starts it now or 5 years in the future.

    Post # 16
    Member
    14497 posts
    Honey Beekeeper
    • Wedding: June 2011

    Wow, I didnt know it was possible not have a score.  What does that even mean…. is that the same as having a bad score?

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