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What's your Credit Score?
This is an offspring of the other thread we've had recently "what's your debt?" I'm curious how good of credit our Bonneville Club members have. :) If you don't know, I highly recommend checking out your credit report. It's always good to know what's on there!
www.annualcreditreport.com (I'm sure there are others out there too, that's just the one I know of.) Now, For the poll.. A person's calculated FICO score may range on a scale from approximately 300 to 850. The higher one's FICO score is the better his /her standing to avail of loans or credits. The median FICO score is around 720, FICO scores higher than 725 are considered good while those which are below 600 are considered bad. FICO scores that range from 750 to 850 are excellent scores which tells of his/her creditworthiness and would enable the individual to be granted credit or loans almost immediately by finance firms or banks. 660 to 749 are good FICO scores that would entitle the individual to credits or loans with certain conditions and with limits as to the amount of money they can use from these institutions. Fair FICO scores of 620 to 659 are regarded with much consideration since these are not good digits based on the FICO score scale. Poorer scores that range from 350 to 619, may be sufficient for finance firms to deny the applicants credit or loans. |
mine is in the low 700's
The lady at the bank told me that it would be higher if i was older. |
did you make that list? interesting that you have your score as the cutoff for excelent ;)
anyways, i have no credit card, only debit. |
I went roughly off the article I posted. I didn't put mine at excellent on the poll, but as good. 760 for all intents and purposes is considered good/excellent though.
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i know i was just giving you crap. :lol:
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765 for me. I about crapped myself when I saw the number... I've never ran a credit report before so I now I know.
I've only had one credit card (through a jewelry store that I used to get my g/f some earrings with a few years back) and about 10k in student loans. Thats it. I don't have a credit card, I don't make payments on anything (I buy my cars all outright), and I try to only buy what I can afford. ....but I really didn't expect to have such a high number and I'm only 21. |
I don't have any score all at. Except I will in a few months after I've had my first card for a few months.....
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Won't work in Canada but I already knew what mine was.
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Topic creator forgot to put a "I don't have one yet." option.....
Just lettin' ya know. |
Last I heard it was at 750 (just after getting the financing approved on the new car)
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No Credit Card yet, been trying to get one though :roll: .
Just a small loan for this past semester, and a few more to come over the next 3 years. |
Originally Posted by 93-SSE
No Credit Card yet, been trying to get one though :roll: .
Just a small loan for this past semester, and a few more to come over the next 3 years. www.annualcreditreport.com is the only one that is free(mind you that you have to pay to get your FICA Score though) the free part of it will show you your loans out or that have been taken out, outstanding balances, people that checked your credit, and more again it will not give you your score unless you pay for it. Freecreditreport.com IS NOT FREE so dont waste your time. |
The great thing about having a lot of debt and paying it off on time is the fact that I have a decent fica score. 755 the last time I checked :-)
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I am at 707 but was at 748 back in July :? not sure why that is.
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