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Poll: Rank Your Credit Rating!  
User currently offlineConcordeBoy From , joined Dec 1969, posts, RR:
Posted (6 years 11 months 3 weeks 1 day 13 hours ago) and read 1140 times:

It's that time, and be honest!
Let's use the following 5-tier scale, just highlight and quote it as your answer:

  • It's so great you can see it from space.
  • It's not perfect, but well above average.
  • It's average: nothing to brag about, nothing to cry about.
  • It's rather rough-around-the-edges.
  • Shhhhhh! Quiet fool, don't tell them where I live!


    What say you types?

  • 19 replies: All unread, jump to last
     
    User currently offlineConcordeBoy From , joined Dec 1969, posts, RR:
    Reply 1, posted (6 years 11 months 3 weeks 1 day 13 hours ago) and read 1134 times:

    Naturally, I'll go first:

    Quoting ConcordeBoy (Thread starter):
    It's not perfect, but well above average.

    ...I never really even used credit until I turned 24. My goal this year was "700 in '07", for all three bureaus.

    Hit my goal with both Equifax and Transunion, but still lagging in the 6s for Experion. Hopefully, will achieve and go for 800 in '08  Wink


    User currently offlineFumanchewd From , joined Dec 1969, posts, RR:
    Reply 2, posted (6 years 11 months 3 weeks 1 day 13 hours ago) and read 1122 times:

    I don't believe you. What's your social security number?

    User currently offlineAA787823 From , joined Dec 1969, posts, RR:
    Reply 3, posted (6 years 11 months 3 weeks 1 day 12 hours ago) and read 1093 times:

    Last time I checked it was 783 on Experian..

    User currently offlineMCOflyer From United States of America, joined Jun 2006, 8664 posts, RR: 15
    Reply 4, posted (6 years 11 months 3 weeks 1 day 12 hours ago) and read 1079 times:

    I have good credit. Or else my credit limit wouldn't have increased.

    Hunteer



    Never be afraid to stand up for who you are.
    User currently offlineConcordeBoy From , joined Dec 1969, posts, RR:
    Reply 5, posted (6 years 11 months 3 weeks 1 day 11 hours ago) and read 1052 times:

    Quoting ConcordeBoy (Thread starter):
    just highlight and quote it as your answer:

    ...and in the event that even this time it was missed:

    Quoting ConcordeBoy (Thread starter):
    just highlight and quote it as your answer


    User currently offlineAsuflyer05 From United States of America, joined Feb 2004, 2371 posts, RR: 3
    Reply 6, posted (6 years 11 months 3 weeks 1 day 11 hours ago) and read 1052 times:

    - It's not perfect, but well above average.

    Last time I checked I was a 720 on a FICO Classic model. Remember it is not just score that is important. It's what is on the bureau that is important. A 600 beacon with a good $20,000 revolving credit line and a mortgage with a few small handful of late payments will get an auto loan before an 700 with only a $500 credit card.


    User currently offlineAsstChiefMark From , joined Dec 1969, posts, RR:
    Reply 7, posted (6 years 11 months 3 weeks 1 day 11 hours ago) and read 1050 times:

    Quoting MCOflyer (Reply 4):
    I have good credit. Or else my credit limit wouldn't have increased.

    Your credit LIMIT is tied to your credit rating, but it doesn't mean you're a better credit risk. In fact, the higher your credit card limit, the lower your credit rating because you're at risk for living beyond your means.


    User currently offlineAA787823 From , joined Dec 1969, posts, RR:
    Reply 8, posted (6 years 11 months 3 weeks 1 day 10 hours ago) and read 1042 times:

    Quoting AsstChiefMark (Reply 7):
    In fact, the higher your credit card limit, the lower your credit rating because you're at risk for living beyond your means.

    I have one credit card with a $70,000.00 limit, and still manage to pull off a 783 credit score. However, my balance is rarely over $1,000.00 and I usually dont carry a balance more than a month or so.


    User currently offlineN174UA From United States of America, joined Jun 2006, 994 posts, RR: 0
    Reply 9, posted (6 years 11 months 3 weeks 1 day 9 hours ago) and read 1020 times:

    Quoting ConcordeBoy (Thread starter):
    It's not perfect, but well above average

    Last time I checked it was somewhere between a 782 and 786, depending on which agency you ask.


    User currently offlineSiren From United States of America, joined Aug 2006, 312 posts, RR: 12
    Reply 10, posted (6 years 11 months 3 weeks 1 day 9 hours ago) and read 1020 times:

    Quoting ConcordeBoy (Thread starter):
    Shhhhhh! Quiet fool, don't tell them where I live!

    Oh yes, I'm not kidding. My FICO score is in the 400s. I'm really wondering why I haven't declared bankruptcy yet. Oh, right, because I need to go to credit counseling classes. Thanks Tom DeLay... not as if I'm going to be able to pay it anyway, so no, I need to shell money for credit classes and then money for bankruptcy proceedings... anyway, it's only a matter of time before my Italian citizenship application goes through, I get sworn in, and bail out of this country. Then the creditors can't touch me.


    User currently offlineConcordeBoy From , joined Dec 1969, posts, RR:
    Reply 11, posted (6 years 11 months 3 weeks 1 day 8 hours ago) and read 1008 times:

    Quoting Siren (Reply 10):
    and bail out of this country. Then the creditors can't touch me.

    ...we, in the financial sector, have a word for people like this: ____________


    User currently offlineAirSpare From United States of America, joined Jun 2006, 589 posts, RR: 6
    Reply 12, posted (6 years 11 months 3 weeks 1 day 8 hours ago) and read 1005 times:

    It's average: nothing to brag about, nothing to cry about.

    Below average, but then I have a CC for 32 grand with no spending limit, and another for 15k. I think credit scores are over rated and I won't play.

    ConcordeBoy, did you ever move to Florida or still stuck in the drug murder capital of the world?  Smile



    Get someone else for your hero worship fetish
    User currently offlineLTBEWR From United States of America, joined Jan 2004, 13039 posts, RR: 12
    Reply 13, posted (6 years 11 months 3 weeks 1 day 8 hours ago) and read 1000 times:

    Quoting ConcordeBoy (Thread starter):
    It's not perfect, but well above average.

    About a year ago, I took out a $10K loan to pay for part of the cost for my then new Mazda 6 and when the salesman came back to tell me I was approved, he said my credit score was (IIRC) 760, one of the highest numbers he had seen in a while. I took out the loan so I could qulilify for an additional $1000 rebate, on top of the $2500 rebate on the car itself, for a total of $3500 in rebate. I paid off the loan in January so saved a net of $600.

    By the way, everyone should go at least every 12+ months to the real website for a free credit reports: www.annualcreditreport.com and check out their credit records with the big 3 companies to see if any errors and correct them. Errors can screw down your number and hurt your credit, you may pay higher interest, get lower credit lines, and so on. I had items from my father on my account (we had the same 1st names) and when I checked my parents records, they had an old car loan of mine on their records, credit cards on the wrong account and so on. I worked with the appropiate reporting agencies to make the corrections (at no charge up to 30 days).

    [Edited 2007-08-12 03:01:59]

    User currently offlineMCOflyer From United States of America, joined Jun 2006, 8664 posts, RR: 15
    Reply 14, posted (6 years 11 months 3 weeks 1 day 7 hours ago) and read 985 times:

    Quoting AsstChiefMark (Reply 7):

    Your credit LIMIT is tied to your credit rating, but it doesn't mean you're a better credit risk. In fact, the higher your credit card limit, the lower your credit rating because you're at risk for living beyond your means.

    Really?

    Hunter



    Never be afraid to stand up for who you are.
    User currently offlineFriendlySkies From United States of America, joined Aug 2004, 4105 posts, RR: 5
    Reply 15, posted (6 years 11 months 3 weeks 1 day 7 hours ago) and read 981 times:

    Quoting ConcordeBoy (Thread starter):
    It's not perfect, but well above average.

    I'm too young to see it from space...give me a few more years.  Wink


    User currently offlineMaidensGator From United States of America, joined Jan 2007, 945 posts, RR: 0
    Reply 16, posted (6 years 11 months 3 weeks 1 day 7 hours ago) and read 973 times:

    Mine's good, but I couldn't bring myself to quote that "see it from space" line.... I owe less than twenty percent on my house and that's it... The cars are paid for and I paid cash for law school so no student loans.... I charge everything else on a cash-back card and pay it off every month so I save a couple percent on expenses...

    Quoting LTBEWR (Reply 13):

    By the way, everyone should go at least every 12+ months to the real website for a free credit reports:

    I do one of them every four months instead of all three at once....

    Quoting Siren (Reply 10):
    it's only a matter of time before my Italian citizenship application goes through, I get sworn in, and bail out of this country. Then the creditors can't touch me.

    Now that's a novel way to get out from under debt... If you're as broke as you imply, the creditors can't touch you anyway. We don't have debtor's prison in the US.....



    The first thing we do, let's kill all the lawyers.
    User currently offlineConcordeBoy From , joined Dec 1969, posts, RR:
    Reply 17, posted (6 years 11 months 3 weeks 12 hours ago) and read 921 times:

    Quoting AirSpare (Reply 12):

    ConcordeBoy, did you ever move to Florida or still stuck in the drug murder capital of the world?

    I'll be here for at least 18more months, not sure if I'll go to Law School in Louisiana or not (hopefully not)... nor where I'll end up thereafter. If I do decide to leave this place behind, then PDX and MIA are the areas I think I'd mesh in best.

    The NorthEast is/has great places to visit, but I'd sooner walk through the Third Ward at 3am with an "I'm Carrying Cash" sign... than live anywhere in the NE.


    User currently offlineHalls120 From , joined Dec 1969, posts, RR:
    Reply 18, posted (6 years 11 months 2 weeks 6 days 21 hours ago) and read 871 times:

    Quoting ConcordeBoy (Thread starter):
    It's that time, and be honest!
    Let's use the following 5-tier scale, just highlight and quote it as your answer:


    It's so great you can see it from space.

    If you'd asked this question 10 years ago, the answer would have been much different.


    User currently offlineDeltaDC9 From United States of America, joined Apr 2006, 2844 posts, RR: 4
    Reply 19, posted (6 years 11 months 2 weeks 6 days 17 hours ago) and read 844 times:

    Quoting Siren (Reply 10):
    anyway, it's only a matter of time before my Italian citizenship application goes through, I get sworn in, and bail out of this country. Then the creditors can't touch me.

    You assume a lot.

    Assuming that something will magically change because your locations changes is the most misguideded assumption of all.

    Doing the same thing in a different place still does not justify expecting different results, especially in a country like Italy.



    Dont take life too seriously because you will never get out of it alive - Bugs Bunny
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