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Current Events > What's your credit score (show some proof if you can)

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Laserion
11/10/20 7:04:35 PM
#51:


Last week it was 80X.
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Paragon21XX
11/10/20 7:11:03 PM
#52:


Credit score according to Discover:


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Hmm...
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Tyranthraxus
11/10/20 7:15:08 PM
#53:


ReggieBush09 posted...
I was 850 before I took on debt.

Debt makes your credit score go up.

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2Pacavelli
11/10/20 7:17:18 PM
#54:


612 last I was told
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sktgamer_13dude
11/10/20 7:17:59 PM
#55:


CK has it around 720ish but Experian has it at 760 so somewhere in that range.
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Goldenguy
11/10/20 7:26:23 PM
#56:


I've been hovering around 840 for a few years now.

No late payments since 2006 (and that one was BS), I've kept open auto loans the entire time (what can I say, I like driving newer), home loan since 2016, and about $1k revolving debt on $20k of credit.

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TendoDRM
11/10/20 7:31:40 PM
#57:


Paragon21XX posted...
Credit score according to Discover:
High five, credit twin.

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MagnusDJL
11/10/20 7:40:59 PM
#58:


logged onto Experian and it has it at 715
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Delta_Force
11/10/20 8:11:07 PM
#59:


Mah KEYS!

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What the hell does "should of" mean?
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Houston
11/10/20 8:29:24 PM
#60:


Tyranthraxus posted...
Debt makes your credit score go up.

Not if you have almost as much debt as credit extended to you. Example: If you have 3 credit cards, and all three are almost at their limit and you have no other available credit, that doesn't look good. On the other hand, if only one of those cards is at its limit and the other two have almost nothing on them, that won't look bad.

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Cleo_II
11/10/20 8:35:11 PM
#61:


Houston posted...
Not if you have almost as much debt as credit extended to you. Example: If you have 3 credit cards, and all three are almost at their limit and you have no other available credit, that doesn't look good. On the other hand, if only one of those cards is at its limit and the other two have almost nothing on them, that won't look bad.
I got a 0% card for 15 months that I mostly maxed to take advantage of no interest. My credit score jumped 60 points when I paid it off (right before the intro period expired). Free loan but my credit score tanked lol
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Houston
11/10/20 8:44:21 PM
#62:


Cleo_II posted...
I got a 0% card for 15 months that I mostly maxed to take advantage of no interest. My credit score jumped 60 points when I paid it off (right before the intro period expired). Free loan but my credit score tanked lol

Eh, doesn't matter too much if you didn't plan on using your score anytime soon while you were doing that. Now you know if you want to do that again, to have a few cards, then it won't look bad (or as bad) because the others will have no debt on them

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Cleo_II
11/10/20 8:52:04 PM
#63:


Houston posted...
Eh, doesn't matter too much if you didn't plan on using your score anytime soon while you were doing that. Now you know if you want to do that again, to have a few cards, then it won't look bad (or as bad) because the others will have no debt on them
Oh yeah it was a conscious decision. I knew my credit would take a hit but we didnt need it for anything since we already had the mortgage and car. But it was really funny to see it jump from 734 to 794 in the span of 2 weeks. And I did have a few other cards with little balance on them. I think it was because of how much I had on the card though.
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Tyranthraxus
11/11/20 3:12:21 AM
#64:


Houston posted...
Not if you have almost as much debt as credit extended to you. Example: If you have 3 credit cards, and all three are almost at their limit and you have no other available credit, that doesn't look good. On the other hand, if only one of those cards is at its limit and the other two have almost nothing on them, that won't look bad.

That is not really the case. I owe far more on my house than all of my credit cards combined 5x and my credit is doing good.

Credit score is a measure of how likely you are to pay back your debt, not whether you have it at all. Constantly making only the minimum payment on your credit cards could be viewed as bad but maxing them out isn't inherently so. So long as you aren't being declined when you try to use them.

If you have no debt then lenders / creditors have no idea if you're going to pay anything back.

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Yadoken
11/11/20 3:59:10 AM
#65:


I don't get why people make credit score topics.

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MrResetti
11/11/20 3:59:38 AM
#66:


It's 9001 but I don't want to lower it by checking

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Middle hope
11/11/20 4:09:15 AM
#67:


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cuttin_in_farm
11/11/20 6:58:58 AM
#68:


Tyranthraxus posted...
That is not really the case. I owe far more on my house than all of my credit cards combined 5x and my credit is doing good.

Credit score is a measure of how likely you are to pay back your debt, not whether you have it at all. Constantly making only the minimum payment on your credit cards could be viewed as bad but maxing them out isn't inherently so. So long as you aren't being declined when you try to use them.

If you have no debt then lenders / creditors have no idea if you're going to pay anything back.

Your house isnt revolving credit. Thats the difference.

Credit cards are subject to utilization, so if they are all maxed out, it does look bad. As opposed to an installment loan that just has a large balance but actively being paid down.

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