(Closed) What was your credit score when buying house? *Poll*

posted 6 years ago in Home
  • poll: What was your credit score when you bought house?

    High 500's

    600's

    700's

    Higher

  • Post # 16
    Member
    10635 posts
    Sugar Beekeeper
    • Wedding: January 2011

    We were both in the excellent range, but didn’t know the specific number.  So 760+ (I think that’s the number they use – but how it’s done for every place is secret), don’t know if that was the 700s or 800s.

    Post # 17
    Member
    1403 posts
    Bumble bee
    • Wedding: September 2014

    We had to both be over 780 to get the best rates (average of 780 for all three bureaus). I was 820, i think, and my husband was 780.  

    Post # 18
    Member
    316 posts
    Helper bee
    • Wedding: April 2016

    I’m thinking about buying now and my credit is 780 and his is 800. Only cause he’s older than me though and has had more credit 😛

    Post # 19
    Member
    1658 posts
    Bumble bee

    My husband and I are both in the 800’s.  We have flawless credit, but when we were very young, we both had poor credit due to being young and irresponsible, but by the time we were in our late 20’s/early 30’s we had excellent credit due to just always making sure we were responsible with credit and finances and having investments.  Having good credit opens so many doors!

    Post # 20
    Member
    889 posts
    Busy bee

    View original reply
    stephanie091512:  It’s a little complex but anything can be removed. If the collection agency doesn’t have all the proper info…which they never seem to. They have to PROVE that this is your debt. Lexington law sends out letters and they have 30 days to show proof if they don’t they have to take off. I’ve been using Lexington law since January and they have already removed 50% of them. You can cancel anytime. I plan on using them until most or ALL are off my credit report.

    also never agree to make a payment plan or even acknowledge it’s your debt with collection agencies bc that allowes them to restart the 7 year clock which is total BS ! 

    Post # 21
    Member
    889 posts
    Busy bee

    View original reply
    Chelsiex0:  We’re in the same boat. Everything I had/have in collections is due to not having medical at one point. I know credit karma isn’t the most accurate but I’ve been using it for a year and it’s nice to sort of know where your numbers are at. 

    Post # 25
    Member
    1658 posts
    Bumble bee

    View original reply
    Chelsiex0:  You can do it, girl!!  There was a time in my life when I thought I’d never have good credit, never mind excellent credit.  But it will happen.  Every little thing you can do to make yourself more financially responsible will help.  Over time, it really adds up and shows.  My husband and I are proud of where we are – we can do anything.  You will too!  🙂

    Post # 26
    Member
    4943 posts
    Honey bee
    • Wedding: July 2012

    View original reply
    Chelsiex0:  I don’t remember what it was when I bought my house (ten years ago), but when I got divorced, I refinanced it into my name. My credit score was 802 I think.

    Post # 27
    Member
    913 posts
    Busy bee
    • Wedding: November 2015 - The Victorian

     

    View original reply
    Chelsiex0:  If either of you are in the market for a car, my Fiance co-signed on my car lease and it has skyrocketed my credit (I of course pay on time in full every month) but it was also helped his a lot and he had very good credit before. I mean, obviously don’t jsut lease a car you don’t need, but I just wanted to share my experience.

    Post # 28
    Member
    919 posts
    Busy bee
    • Wedding: July 2013

    When I bought my house in 2007, my credit score had to be over 650. I had been through a bad divorce that damaged my credit and had been working hard on paying off debt and making payments on time.

    As of last year, I had gotten it into the higher 700s, but it did take some time to get there. The biggest thing that helped me was the expiration date for the negative stuff to come off my report.

    Post # 29
    Member
    2695 posts
    Sugar bee

    I was low 800s when I bought my house. I had to have that to get a special interest rate promo. I think you are fine in the 600s though. You just won’t get those really great rates. You can always continue to work on it and refi at a later date. 

    Post # 30
    Member
    2664 posts
    Sugar bee
    • Wedding: September 2015 - Ketchum, ID

    View original reply
    AB Bride:  
    View original reply
    HannahGrace:  how do you guys get that high?! I just got my first credit card about 2-ish years ago, I’ve never made a late payment, and I’ve always paid off the balance in full (except for I think 2 or 3 times — but it’s always paid off the next month). I feel like I’m perpetually stuck at 725-ish. Is it because I only have one account open? In June my student loan account will become active… will that help? 

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