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ITT: Your FICO Score
Poast new message in this thread
Date: February 25th, 2015 7:19 PM Author: insanely creepy elite theatre hissy fit These days you can get your FICO score, free. Just use Mint, Discover, etc.
What is your current score?
Mine is currently 805
Note: This thread is about FICO scores. Not the other flame credit scores. |
Date: February 25th, 2015 7:19 PM Author: pearl stag film how's you're mortgage? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391258) |
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Date: February 25th, 2015 7:21 PM Author: insanely creepy elite theatre hissy fit I rent. MFH. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391275) |
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Date: February 25th, 2015 8:01 PM Author: pearl stag film then how is you're score so hi (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391600) |
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Date: February 25th, 2015 7:19 PM Author: glittery degenerate 738. Was 795 before my most recent round of credit card churning. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391261) |
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Date: February 25th, 2015 7:21 PM Author: insanely creepy elite theatre hissy fit Do you churn and burn for points? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391280) |
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Date: February 25th, 2015 7:26 PM Author: glittery degenerate Ofs (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391323) |
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Date: February 25th, 2015 7:22 PM Author: chest-beating base 576 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391287) |
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Date: February 25th, 2015 7:45 PM Author: chest-beating base i feel like such a bum (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391474) |
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Date: February 25th, 2015 7:46 PM Author: coral menage prole How is this even possible? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391482) |
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Date: February 25th, 2015 7:49 PM Author: chest-beating base decided to stop paying on a couple of credit cards. was 200 something last year. right now i have 3 bad reports (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391512) |
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Date: February 25th, 2015 7:50 PM Author: coral menage prole deadbeat (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391515) |
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Date: February 25th, 2015 7:50 PM Author: chest-beating base bootlicker (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391520) |
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Date: February 25th, 2015 7:51 PM Author: coral menage prole tastes good man (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391523) |
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Date: February 25th, 2015 7:52 PM Author: chest-beating base (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391541) |
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Date: February 25th, 2015 7:24 PM Author: Turquoise passionate temple (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391304) |
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Date: February 25th, 2015 7:26 PM Author: insanely creepy elite theatre hissy fit Nice. Mortgage or student loan payments (in good status)? Just paid off an auto loan?
Edit: Why'd you delete, bro? |
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Date: February 25th, 2015 7:26 PM Author: Turquoise passionate temple student loans (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391326) |
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Date: February 25th, 2015 7:27 PM Author: insanely creepy elite theatre hissy fit Yea. They up my score as well. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391336) |
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Date: February 25th, 2015 7:25 PM Author: motley center 670 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391310) |
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Date: February 25th, 2015 7:27 PM Author: Infuriating ceo 799
Fucking 1 nigga shrimp away
Credit Karma is the best for this btw |
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Date: February 25th, 2015 7:48 PM Author: Drab multi-billionaire This is a conversation about FICO, lel breh. Credit Karma doesn't give you FICO so GTFO. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391501) |
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Date: February 25th, 2015 7:51 PM Author: bright indirect expression (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391525) |
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Date: February 25th, 2015 7:33 PM Author: Tan trip coffee pot 735 last time I checked. Fucking parents told me to never get a CC and I believed them until senior year of college. If I had a longer credit history I'd easily be in the 800+ club. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391385) |
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Date: February 25th, 2015 7:37 PM Author: emerald abnormal preventive strike 814. Was sub-700 up until about 3 years ago. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391426) |
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Date: February 25th, 2015 7:40 PM Author: Godawful friendly grandma 785 (and for bro's with discover cards, you can look it up for free at their website). Would be higher, but I'm playing the "carry a 0% balance until the last minute, then pay it off" game. Also, I rent and bought my car in cash, so I don't have any installment loans on my credit report, putting me in the weird position that the best way to improve my credit score would be to go into debt. At this range, though, improving credit score is mostly flame; I'm already going to qualify for pretty much everything. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391448) |
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Date: February 25th, 2015 7:52 PM Author: supple garrison Doing this with three cards at the moment. 795. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391540) |
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Date: February 25th, 2015 7:45 PM Author: coral menage prole 835 niggas (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391471) |
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Date: February 25th, 2015 7:46 PM Author: Histrionic Tripping Dysfunction 849 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391478) |
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Date: February 25th, 2015 7:46 PM Author: opaque scourge upon the earth 812 Transunion.. you MAD whitey? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391483) |
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Date: February 25th, 2015 7:47 PM Author: Rough-skinned Garnet Idiot Stead maybe someone can explain this. according to CreditKarma, my scores are:
TransUnion: 704 Equifax: 687
according to Barclaycard, my score is 761.
according to Mint, it's 726.
according to Discover, it's 762.
so wtf?
it used to be in the 780's, but it's hovered around 740 to 760 since i've been aggressively churning credit cards. i bought and financed a car at the end of January so that's the most recent hit - their finance department submitted to a ton of lenders and it resulted in a dozen different hard pulls. still kinda pissed about that. |
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Date: February 25th, 2015 7:48 PM Author: opaque scourge upon the earth its all fraud and lies, there are at least three major diff companies making scores (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391499) |
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Date: February 25th, 2015 7:51 PM Author: Godawful friendly grandma Discover is giving you the real FICO score that most lenders actually use. The other scores are flame that nobody cares about. 762 is high enough that you're doing great and are unlikely to be turned down for anything. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391528) |
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Date: February 25th, 2015 7:56 PM Author: Rough-skinned Garnet Idiot Stead ty (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391566) |
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Date: February 25th, 2015 8:00 PM Author: insanely creepy elite theatre hissy fit Mint actually gives FICO as well.
But yea, many give the flame score that some of the credit agencies made up. It goes from like 500 - 1000, so peeps get it confused with the real FICO score and think they have a good score when it is actually shit. |
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Date: February 25th, 2015 8:08 PM Author: Erotic arrogant church Same here. CK says 740s, Mint says 799. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391651) |
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Date: February 25th, 2015 7:47 PM Author: Rough-skinned Garnet Idiot Stead those of you in the 800's need to get on dat credit card sign up bonus game (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391494) |
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Date: February 25th, 2015 7:51 PM Author: opaque scourge upon the earth at some point u can sign up for almost everything and cant get bonus again.. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391524) |
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Date: February 25th, 2015 7:54 PM Author: Rough-skinned Garnet Idiot Stead yeah, at some point. some cards you can churn over and over. mostly business cards now. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391556) |
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Date: February 25th, 2015 7:59 PM Author: opaque scourge upon the earth i feel like i have raped chase in the ass so many times that now they suspect me when i apply but yeah business cards help (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391588) |
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Date: February 25th, 2015 8:07 PM Author: Rough-skinned Garnet Idiot Stead last time i called Chase reconsideration the guy told me point blank when i pushed him "it has nothing to do with your credit. i'm not giving you another card. wait a few months and apply again." this was for the Chase Ink Plus 70K offer a few months ago. tbf at the time i had 6 open accounts with them and had cancelled 2 others within the last six months.
last Amex card i applied for my denial letter i got in the mail had only one reason in the list of reasons they denied, it was "You have too many existing open accounts with American Express." i'm just about out of Amex cards i can get anyway. last one i'm waiting on is a 100k targeted offer for biz platinum.
i have 45K nearly useless Virgin Atlantic miles because i got the BoA card from them because i'm running out of banks. didn't realize how shitty they were until after i got the card. they make Delta miles look like gold. |
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Date: February 25th, 2015 8:59 PM Author: Dead Orchestra Pit What do you say if you have no business? I know there are ways, but I never pulled the trigger? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392064) |
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Date: February 25th, 2015 9:03 PM Author: opaque scourge upon the earth I think some cards dont care if u actually have a business. U can just make up a name. It still gets listed under ur SS so dont think they care though my business cards are a bit different in that I can get multiple cards for diff employees but it only counts as one account (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392089) |
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Date: February 25th, 2015 9:28 PM Author: Rough-skinned Garnet Idiot Stead say you buy and sell collectibles on eBay or do legal work on the side or something. enter your social security number for the tax id for the business. it's mostly based on your personal credit. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392219) |
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Date: February 25th, 2015 7:52 PM Author: bright indirect expression 792 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391538) |
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Date: February 25th, 2015 7:59 PM Author: Drab multi-billionaire 747 and I have never missed a bill and have about $100k in credit. Just bought a house and got a new CC though so expect that it will rebound shortly. Ironically I think it is artificially low because I had no college or law school loans. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391591) |
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Date: February 25th, 2015 8:01 PM Author: insanely creepy elite theatre hissy fit Yep. Paying a loan and being in good status ups your score. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391599) |
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Date: February 25th, 2015 8:01 PM Author: pearl stag film nm my above question then. lol (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391601) |
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Date: February 25th, 2015 8:02 PM Author: Drab multi-billionaire Yeah I guess. I don't really care though; got a 3.625 mortgage locked in and plenty of assets. Joke's on them. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391608) |
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Date: February 25th, 2015 8:03 PM Author: insanely creepy elite theatre hissy fit Nice rate. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391609) |
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Date: February 25th, 2015 8:11 PM Author: bright indirect expression This. FICO is used to both assess risk and identify profitable customers. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391674) |
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Date: February 25th, 2015 8:04 PM Author: Galvanic mentally impaired library bout 750 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391611) |
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Date: February 25th, 2015 8:52 PM Author: balding laser beams 692 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392004) |
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Date: February 25th, 2015 8:57 PM Author: Pungent vigorous set azn 815. u mad deadbeats? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392048) |
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Date: February 25th, 2015 8:57 PM Author: Very tactful nowag No idea, is there anyway to get this without entering all kinds of personal info on one of these sites? (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392050) |
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Date: February 25th, 2015 9:02 PM Author: Pungent vigorous set azn capital one and discover both give me mine for free. they even send me a reminder each month to log in and check it. try one of those if you have it. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392082) |
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Date: February 25th, 2015 9:04 PM Author: Very tactful nowag Dont have a cap one or discovery card (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392097) |
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Date: February 25th, 2015 9:06 PM Author: Pungent vigorous set azn amex used to to it too but idk i haven't had an amex in a while (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392107) |
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Date: February 25th, 2015 9:24 PM Author: Very tactful nowag Eh, I'm not really that concerned. I'd have to imagine my score is pretty high. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392197) |
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Date: February 25th, 2015 9:08 PM Author: opaque scourge upon the earth creditkarma now gives transunion and equifax for free but u have to input some info (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392119) |
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Date: February 25th, 2015 9:25 PM Author: Rough-skinned Garnet Idiot Stead free if you have a Citi card:
http://www.mymoneyblog.com/citi-free-fico-score.html
Barclaycard gives it to you free too:
http://thepointsguy.com/2013/11/barclaycard-cardmembers-get-free-fico-scores-starting-today/
i know you have a US Air card and a Citi AA Exec or Plat, so log in to either of those. |
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Date: February 25th, 2015 9:37 PM Author: Very tactful nowag TYTY
830
Key Factor(s) affecting your FICO® Score 1. Too many inquiries last 12 months 2. Time since most recent account opening is too short
<><><>MILESGAME<><><> |
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Date: February 25th, 2015 9:01 PM Author: Dead Orchestra Pit Mine is 770, but LJL at people in this thread taking pride when anything above 740 is totally irrelevant (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392077) |
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Date: February 25th, 2015 9:03 PM Author: Pungent vigorous set azn (guy maf he can't cop 800+) (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392088) |
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Date: February 25th, 2015 9:05 PM Author: Dead Orchestra Pit A little bit (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392103) |
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Date: February 25th, 2015 9:05 PM Author: Chrome hyperactive internal respiration codepig 811 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392106) |
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Date: February 25th, 2015 9:07 PM Author: gold sanctuary Mint says 280. But that lenders view me as low risk. Something is flame. Anyways, I know it's about 800 from an actual report a few months ago. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392117) |
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Date: February 25th, 2015 10:48 PM Author: Thriller Magenta Cumskin Really Tough Guy Mint says 689. Discover 702. (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392727) |
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Date: February 26th, 2015 11:37 AM Author: maize brethren pervert 818 ftw (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27394663) |
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Date: February 26th, 2015 11:39 AM Author: khaki spot 782 (http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27394670) |