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Replies: 29
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Oculus Spirit [79201]
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Wassa good credit score?
Jun 21, 2022, 11:50 AM
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Just got off the phone with a mortgage broker about a pre-approval and I can't remember if he said a perfect score was 750 or if he said that's what the average American score is.
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All-In [47806]
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Don't know what perfect score is
Jun 21, 2022, 11:52 AM
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750 is a good to very good score, but highly doubt the average American is anywhere near that
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Oculus Spirit [81896]
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Perfect is 850.
Jun 21, 2022, 11:54 AM
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Usually anything over 750 will get you the best rate.
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Oculus Spirit [79201]
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Maybe when he said 750 was perfect that it just meant
Jun 21, 2022, 11:55 AM
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top tier
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All-In [34486]
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"perfect enough for me to #### you"***
Jun 21, 2022, 11:57 AM
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All-In [34486]
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750 is good and will get you the best rates, in general.
Jun 21, 2022, 11:56 AM
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I think it actually goes to 850 though.
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All-In [34486]
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I'm on the fulcrum where my average
Jun 21, 2022, 11:58 AM
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account age is about to jump from 6 years, 11 months to 7 years, so giddy for the 10 point bump that will produce, should put me above 800
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CU Medallion [64837]
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Be sure to tell them that you lost 60 pounds and quit
Jun 21, 2022, 1:48 PM
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drinking.
Not sure if it helps your credit score, but it couldn't hurt to tell one more person.
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All-In [34486]
TigerPulse: 100%
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There's a lot more you can add to the list too
Jun 21, 2022, 1:59 PM
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#blessed
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Heisman Winner [135867]
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I'm at 818
Jun 21, 2022, 11:59 AM
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so it's more than 800
I know you had the answer I just wanted to brag
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Oculus Spirit [81896]
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Nice.
Jun 21, 2022, 12:03 PM
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I'm at 808 according to Discover and 809 according to Chase.
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Oculus Spirit [81061]
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I can't get above 800.
Jun 21, 2022, 12:06 PM
[ in reply to I'm at 818 ] |
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I've never been late on any payment. Ever. I have no debt, no car payments, and one credit card. That's what kills me. I bought plane tickets and a hotel room for 4 days a few weeks ago for about $3,000. I have $9,000 credit limit on my CC. My Experian credit score went down 40 points. I paid it off last week and I imagine it will go down even more. I was around 800, and now its at 760. I won't be surprised if it dips below 740 because I paid it off.
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All-In [47806]
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You need more credit cards, and then don't use them
Jun 21, 2022, 12:08 PM
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Stupid answer, but true.
Your score dropped because you went above the 30% utilization rate (3,000/9,000 = 33%).
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Oculus Spirit [81061]
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Yep, on both parts.
Jun 21, 2022, 12:11 PM
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It's dumb. I don't really want another card; I don't need one. So every time I spend $1000 on my one CC it lowers my credit 10-30 points.
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All-In [47806]
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I'm struggling getting above 800 as well
Jun 21, 2022, 12:13 PM
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Used to have about $50k worth of credit cards and score was well over 800, but pared it down to your level, so now my score jumps all over the place.
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Oculus Spirit [81061]
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We're not rewarded for being financial responsible***
Jun 21, 2022, 12:14 PM
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All-In [47806]
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No. This is the United States, remember?***
Jun 21, 2022, 12:15 PM
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Heisman Winner [135867]
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You need 2-3 cards that you buy one thing on and then
Jun 21, 2022, 12:12 PM
[ in reply to I can't get above 800. ] |
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throw in the drawer and never use from different companies.
I have one I put everything on but actually have 4 spread over VISA, MC, AmEx, Discover. I picked the others up over the years to get 12 months zero interest on something I couldn't pay off right away.
Shows different folks are willing to extend you credit.
But like they've said as long as you're at 750 or above don't worry.
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Hall of Famer [22312]
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I hear ya, it's a tradeoff, and hard to walk that tightrope.
Jun 21, 2022, 12:30 PM
[ in reply to I can't get above 800. ] |
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I was hitting damm near perfect (850) for years. Like you - never been late on any payment my entire life, paid cash for cars, paid off CC's every month, no debt except mortgage, etc. But then... The Divorce, after almost 30 years of marriage. I was smart and killed off all the accounts in both our names right before I filed for divorce, as women are notorious for running up a bunch of charges and since it's in both your names, you're liable. But that also killed off all of my "oldest accounts"... like the AMEX card I'd had since 1982 before we even met, etc. Plus I had to refinance to keep the house and buy out her equity. So I was basically starting over...
And I saw my score drop under 800 because Avg Age of Open Accts was then almost zero. It's been edging back up slowly over the last 7 years, I just need another year or so. But it's a catch-22... they want to see more open accounts, but get a new CC and Avg Age goes down again. It's crazy and makes no sense...
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CU Medallion [66054]
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810 here
Jun 21, 2022, 1:57 PM
[ in reply to I'm at 818 ] |
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the only credit I have is my house and I co-signed for my son's car
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Heisman Winner [135578]
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7.
Jun 21, 2022, 12:10 PM
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You shoot for a 7.
SEVEN.
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Oculus Spirit [75717]
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Is this some attempt to get us all to tell you our
Jun 21, 2022, 12:17 PM
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credit scores?
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Oculus Spirit [79201]
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No it was a genuine question.***
Jun 21, 2022, 12:43 PM
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All-In [47750]
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Dave Ramsey claims his is 0,
Jun 21, 2022, 12:18 PM
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Cuz debt is dumb.
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Oculus Spirit [81061]
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Dave Ramsey is an alarmist, and also says he doesn't use
Jun 21, 2022, 12:22 PM
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credit cards.
But he'll certainly take a CC payment for his books, workbooks, classes and other schwag that tell people to get rid of them.
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Oculus Spirit [81896]
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Posts: 47116
Joined: 3/18/07
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Oculus Spirit [79201]
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Posts: 24918
Joined: 8/29/12
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Oculus Spirit [97714]
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I ain't biting.
Jun 21, 2022, 12:19 PM
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It's purdy good though.
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CU Medallion [54758]
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i have a couple different services provided a credit score
Jun 21, 2022, 12:34 PM
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some even supposedly showing the SAME type of score, yet there's pretty substantial variation among them
but they're all over 800, so i'm not too concernicus
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All-TigerNet [12161]
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Mine goes to 11***
Jun 21, 2022, 1:40 PM
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Replies: 29
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