Post Your Current Credit Score

[Blitty]

I recently heard that CR websites etc. doesn't really mean anything. Not sure why.

 

[CASPERWAIT$]

In 6 months my score has dropped from 640 to 545.

All the points I went up were artificually inflated.

Not happy.

 

[Tron]

728 @ Credit Karma as of today.

And 10 fucking days later our score plummets to 678.


Da fuck?

 

[bacon]

Credit Kharma is bad Tronner, I haven't looked closely at them but I can't tell you how many people say their score from them and I'll puss a score 100 pts different. Unless you missed a payment or went over the max on something that shit ain't accurate.

 

[IAG]

Maybe on the day an individual bureau reported to them you had a higher balance on your credit card than the month before. I have found that a difference of 1-2k ..even if it is paid off by the due date....if you hit at the right date it can drop my score a bunch of points. When it is paid off it goes right back up...just my experience.

 

[bacon]

depending on how much revolving debt Tron has that could be true.

Tron how much in revolving debt do you have and how many accounts?

 

[roguejuror]

Maybe on the day an individual bureau reported to them you had a higher balance on your credit card than the month before. I have found that a difference of 1-2k ..even if it is paid off by the due date....if you hit at the right date it can drop my score a bunch of points. When it is paid off it goes right back up...just my experience.

or maybe that site is just artificially fucking with scores to raise their visitor profiles and increase their ad rates, all those free credit score businesses crunch their own numbers

basically like giving facebook and sbr all your private financial data, authorize them to use it and create a profile on you and then upsell you shit through their affiliate links

best to do is just check direct from the three bureau your by-law once-a-year free report at annualcreditreport.com

check it once a year and follow all those common sense best practices of payments and balances, don't sweat it month to month and get one of those monitoring services like lifelock, not so much as to prevent id theft but so they can resolve everything once it does happens, and you will really want them to solve all that shit for you, deep down in the dark web you should see how easy it is to get ahold of credit profiles, at this point assume that it will happen, specially if you have accounts under your name with popular shit like phone service (att), cable service (comcast) etc. with weak security, primary doctors offices are also a huge source

with those free credit report sites you are getting gamed

 

[Saulty]

If your credit is more than 725 you can finance anything assuming your income is verified. Having a credit score of 800 and an income of $40,000 a year won't land you a $20,000 limit credit card or buy you a 5,000 sf house.

 

[Tron]

Maybe on the day an individual bureau reported to them you had a higher balance on your credit card than the month before. I have found that a difference of 1-2k ..even if it is paid off by the due date....if you hit at the right date it can drop my score a bunch of points. When it is paid off it goes right back up...just my experience.

I think this is exactly what happened, IAG.

Bought some furniture.

Bacon, I have $2K revolving debt.

 

[bacon]

Ok if that brought it above $1k owed that could have really affected things, if you pay it down below $600 you should see the score jump right back up. Below 50% and 30% are big numbers.

 

[Tron]

Thanks, bacon.

 

[Boner_18]

Just checked. 787 experian. Didn't get the others. Also, calling to cancel the recurring monitoring that allowed me to get my score for free was brutal. Poor Indian kid - "Vince" - had a solid pitch.

 

[bacon]

#outsourcedsassholes

Then they try to shove "credit repair specialists" down your throat.

Nice work, Boner_18

 

[Tron]

703

 

[bacon]

I know Tron's increase in score is solely because of Bacon's advanced advice.

Tron, I do it for the love. I am proud of you.

 

[IAG]

758 transunion
771 Equifax

Looks like CK is doing something new...I don't think this is accurate but I'll take it.

 

[Matty]

Met with a financial planner today. We're rich.

 

[IAG]

o/t I am so relieved to see Mitt not running again.