Post # 1
I have been very diligent about my credit since the day I turned 18. I did LOTS of research about what would help me build and maintain my credit score. It has paid off for me and I’m currently 22 with a credit score of 764. I’m curious what other bees credit scores are like? How did you build it up? If you have “poor” credit, what led to it?
Post # 3
Because I always had credit cards associated with my parents, I had a great credit score (720+) going into college. So I would get major solicitation and the credit card people loved me! lol So much so that I got 2 credit cards at 18, one with a $3k limit and another with a $5k limit without my parent’s knowledge and promptly maxed them out my freshman/sophomore year. Huge mistake and by the time I fessed up to my parents, years had gone by and it was too late for them to help me; my credit was trashed. We’ve long since paid them off but one of the judgments won’t drop off my report until next year (it’s been 6 years! I’m 28). Even with those fiascos, I pay my bills, the credit card companies love me again, etc and my mid score is 756. Just a lesson that bad credit doesn’t mean it’ll always be that way! Painstaking to build it back up but it can be done!
Post # 4
Darling Husband and I do not have great credit. Mine was lowered due to student loans, and Darling Husband has low credit due to about 100K in unpaid medical bills.
Post # 5
I only know my credit score because I had to co-sign FI’s car loan. For whatever reason we had the exact same number as our credit score which I thought was kind of funny. I don’t remember the exact number, but it was somewhere in the 700s.
Post # 6
I’m at 633 currently, the highest I’ve been in years. Basically, my dad had me open credit cards to “help build my credit”, which he would pay off. He never paid them, and I had no idea. I also gave my parents my paycheck in college which they would use toward my car payment. They made my car payments late many many times. I feel like my dad totally swindled me and screwed me over for life. I have since learned what it takes to have good credit, but it’s very hard to get that score to improve when you can’t get credit in the first place!
Post # 7
@Cory_loves_this_girl: You poor thing! I’m not sure how i could ever trust my parents again.
Post # 8
Last time I checked it was 824.
I am days away from being debt free now as well. I wonder how the pay off of my car loan and credit cards will affect it.
Post # 9
I have no idea as I’ve never had to apply for a loan. I’ll be it’s good because there are no blemishes, I have a a credit card ever since I’ve been eligible and have even taken pains to keep my origional credit card open even though it’s no longer my primary card (long history is good for your score). But it wouldn’t be that good because I haven’t ever had a real loan.
That said, I commented because I’m goign to be moving from Canada to the USA next year and I’m bummed that all of my well built credit history will mean nothing down in the USA. Boo.
Post # 10
@love108: Yeah, I don’t speak to my dad anymore (for multiple reasons). I have forgiven my mom because she didn’t know what he was doing. He didn’t pay their taxes for YEARS and told her that he did. That’s the type of guy he is. Luckily my mom has since married a much better man.
Post # 11
@Ninteenthchance: When I graduated college, I had zero credit. I couldn’t even get approved for a credit card with no history. I struggled for the first year in my job trying to figure out how to bulid up credit. I eventually got a retail store card and bought a car, so slowly I started building. Currently, I have two major credit cards. I pay them each off in full every month. I paid off the car early, and now pay the mortgage on time every month. I have a credit score of 810. I intend to keep it that way!
Post # 12
I voted! But OP you should add a “I don’t Know” on the poll. I know a lot of my peers don’t even know.
Post # 13
I have fantastic credit, no debt, no mortgage, no payment plans of any kind. We keep a credit card of a very minimal credit llimit allowed. ( we were told it was a good thing to have, don’t know if this is true or not) It is rarely used and is always paid off by the time we get the bill.
Post # 14
Last I checked, my credit score was 764, I think? I’m 24 with a bank credit card that I pay in full (almost) every month, and a store card that I hardly ever use.
Did anyone else get a “What’s your credit score?” ad for MyScore.com on the side of this page? Ads are so creepy these days.
Post # 15
Last I checked, it was 773. I’m 38 and its always been above 750. I have student loans, a mortgage, a car loan, and one credit card with a balance that is interest free and I’m working on paying it off.
Post # 16
i’m 33 and my score is 778. i have debt but i’ve never been late or missed a payment. i have a really high combined credit limit and all my CC debt was consolidated into a personal loan so all the cards have $0 balance. my credit started when i was 16 and my mom added me to one of her cards when i got my driver’s license. she wanted me to have it in case of emergencies. that card went on my credit report and her limit was really high.
@CurlyTop24: yes! i have that ad on the side of my page too.