Current Events > My credit score is 810

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SomeGuyUO 07/15/20 10:54:57 PM #1:	Yes. <cite>SomeGuyUO posted [p:942169568] in My credit ... [t:78849706]...</cite> <quote>Yes. </quote> ... Copied to Clipboard!
monkmith 07/15/20 11:04:02 PM #2:	did you screw the purple cow? --- Taarsidath-an halsaam. Quando il gioco e finito, il re e il pedone vanno nella stessa scatola <cite>monkmith posted [p:942169880] in My credit ... [t:78849706]...</cite> <quote>did you screw the purple cow? </quote> ... Copied to Clipboard!
DoctorPiranha3 07/15/20 11:10:38 PM #3:	803 here. <cite>DoctorPiranha3 posted [p:942170105] in My credit ... [t:78849706]...</cite> <quote>803 here.</quote> ... Copied to Clipboard!
Gamerguymass 07/15/20 11:12:20 PM #4:	I paid off my car loan early and my credit score went down. I'm pissed. --- Now Playing: "The Hunt for the Two Missing Nintendo 64 Games" An expansion came out, but I'm still a third of the way through! <cite>Gamerguymass posted [p:942170172] in My credit ... [t:78849706]...</cite> <quote>I paid off my car loan early and my credit score went down. I'm pissed. </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:13:11 PM #5:	Gamerguymass posted... I paid off my car loan early and my credit score went down. I'm pissed. it'll bounce up --- Ohh boy <cite>AFrench2 posted [p:942170198] in My credit ... [t:78849706]...</cite> <quote>Gamerguymass posted... </cite> <quote>I paid off my car loan early and my credit score went down. I'm pissed.</quote>it'll bounce up </quote> ... Copied to Clipboard!
WarfireX 07/15/20 11:18:18 PM #6:	Credit score barely means ** anyway. Like, having a good one pays out marginal benefits compared to how having a bad one can totally screw you. --- Spider-Man 3 was a good movie. <cite>WarfireX posted [p:942170357] in My credit ... [t:78849706]...</cite> <quote>Credit score barely means ** anyway. Like, having a good one pays out marginal benefits compared to how having a bad one can totally screw you. </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:19:08 PM #7:	WarfireX posted... Credit score barely means ** anyway. Like, having a good one pays out marginal benefits compared to how having a bad one can totally screw you. It means a lot, actually... Houses, loans, credit, cards, cars... --- Ohh boy <cite>AFrench2 posted [p:942170383] in My credit ... [t:78849706]...</cite> <quote>WarfireX posted... </cite> <quote>Credit score barely means ** anyway. Like, having a good one pays out marginal benefits compared to how having a bad one can totally screw you.</quote>It means a lot, actually... Houses, loans, credit, cards, cars... </quote> ... Copied to Clipboard!
KiwiTerraRizing 07/15/20 11:19:59 PM #8:	Mine fluctuates 30 points depending on credit card balances, which I pay off each month. --- Trucking Legend Don Schneider! <cite>KiwiTerraRizing posted [p:942170415] in My credit ... [t:78849706]...</cite> <quote>Mine fluctuates 30 points depending on credit card balances, which I pay off each month. </quote> ... Copied to Clipboard!
Prismsblade 07/15/20 11:29:24 PM #9:	AFrench2 posted... It means a lot, actually... Houses, loans, credit, cards, cars... Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so. --- 3DS FC:3368-5403-9633 Name: Kaizer PSN: Blackkaizer <cite>Prismsblade posted [p:942170780] in My credit ... [t:78849706]...</cite> <quote>AFrench2 posted... </cite> <quote>It means a lot, actually... Houses, loans, credit, cards, cars...</quote>Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so. </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:33:18 PM #10:	Prismsblade posted... Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so. Yes, that is correct, someone young and without ambition or foresight would not care about their credit score. Of course, then again, someone young and without ambition or foresight would not care about much...so I don't get it --- Ohh boy <cite>AFrench2 posted [p:942170909] in My credit ... [t:78849706]...</cite> <quote>Prismsblade posted... </cite> <quote>Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so.</quote>Yes, that is correct, someone young and without ambition or foresight would not care about their credit score. Of course, then again, someone young and without ambition or foresight would not care about much...so I don't get it </quote> ... Copied to Clipboard!
WarfireX 07/15/20 11:33:31 PM #11:	AFrench2 posted... It means a lot, actually... Houses, loans, credit, cards, cars... As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing. --- Spider-Man 3 was a good movie. <cite>WarfireX posted [p:942170916] in My credit ... [t:78849706]...</cite> <quote>AFrench2 posted... </cite> <quote>It means a lot, actually... Houses, loans, credit, cards, cars...</quote>As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing. </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:33:58 PM #12:	Prismsblade posted... Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so. no. it depends on the place runnign it. some places run Transunion, some run Equifax, some run an average of those 2 + Experian --- Ohh boy <cite>AFrench2 posted [p:942170937] in My credit ... [t:78849706]...</cite> <quote>Prismsblade posted... </cite> <quote>Somebody young, broke and with little foresight or ambition though would have little reason to care about any of these..... Also credit scores varies depending on whichever one you mainly use. So you're have to round out the average. My FICO is like 726 currently, and my transunion and Equifax scores are around 756-757. So my average is probably 740 or so.</quote>no. it depends on the place runnign it. some places run Transunion, some run Equifax, some run an average of those 2 + Experian </quote> ... Copied to Clipboard!
Darkrobotisback 07/15/20 11:34:09 PM #13:	My credit score is 0. --- NS: SW-0316-4590-2333 "Life is difficult and there is no point at living it if you are poor." -Google search result <cite>Darkrobotisback posted [p:942170947] in My credit ... [t:78849706]...</cite> <quote>My credit score is 0. </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:35:08 PM #14:	WarfireX posted... As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing. Oh I didn't realize, sorry --- Ohh boy <cite>AFrench2 posted [p:942170973] in My credit ... [t:78849706]...</cite> <quote>WarfireX posted... </cite> <quote>As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing.</quote>Oh I didn't realize, sorry </quote> ... Copied to Clipboard!
R1masher 07/15/20 11:35:30 PM #15:	Haha losers --- R1R1R1R1R1R1 <cite>R1masher posted [p:942170985] in My credit ... [t:78849706]...</cite> <quote>Haha losers </quote> ... Copied to Clipboard!
Reis 07/15/20 11:35:42 PM #16:	buy me another car tc, i swear i wont ruin your credit <cite>Reis posted [p:942170992] in My credit ... [t:78849706]...</cite> <quote>buy me another car tc, i swear i wont ruin your credit </quote> ... Copied to Clipboard!
JuanCarlos1 07/15/20 11:38:17 PM #17:	Mine is 716, but it still shows delinquency from an account more than 5 years old and havent missed a single payment through various accounts since. So somethings Im still getting denied, though I have a house and 2 cars under my name all bought the past 3 years --- Mas dicen, que en las dimensiones de nuestro ser... hay muchos detalles por conocer... <cite>JuanCarlos1 posted [p:942171075] in My credit ... [t:78849706]...</cite> <quote>Mine is 716, but it still shows delinquency from an account more than 5 years old and havent missed a single payment through various accounts since. So somethings Im still getting denied, though I have a house and 2 cars under my name all bought the past 3 years </quote> ... Copied to Clipboard!
AFrench2 07/15/20 11:39:51 PM #18:	JuanCarlos1 posted... Mine is 716, but it still shows delinquency from an account more than 5 years old and havent missed a single payment through various accounts since. So somethings Im still getting denied, though I have a house and 2 cars under my name all bought the past 3 years They last 7 years :( keep at it! --- Ohh boy <cite>AFrench2 posted [p:942171127] in My credit ... [t:78849706]...</cite> <quote>JuanCarlos1 posted... </cite> <quote>Mine is 716, but it still shows delinquency from an account more than 5 years old and havent missed a single payment through various accounts since. So somethings Im still getting denied, though I have a house and 2 cars under my name all bought the past 3 years</quote>They last 7 years :( keep at it! </quote> ... Copied to Clipboard!
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IdiotMachine 07/15/20 11:48:09 PM #20:	WarfireX posted... As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing. Here's what I understand: Credit scores matter for rate eligibility and that's it. Depending on the lender, once you pass the a certain credit (typically around 740 or higher), you qualify for the best rates. Aside from the rates, the biggest thing that matters is your debt to income ratio, your loan to value ratio of the thing you're trying to get a loan for, and the assets you have. --- https://imgur.com/XNEdLrJ <cite>IdiotMachine posted [p:942171394] in My credit ... [t:78849706]...</cite> <quote>WarfireX posted... </cite> <quote>As someone who approves mortgage loans for a living, no it does not mean nearly as much as you think it does. Again, a high credit score does not do all the work for you that a low one does against you. But you're some kid on GFAQs, so keep telling me about what you think you know about financing.</quote>Here's what I understand: Credit scores matter for rate eligibility and that's it. Depending on the lender, once you pass the a certain credit (typically around 740 or higher), you qualify for the best rates. Aside from the rates, the biggest thing that matters is your debt to income ratio, your loan to value ratio of the thing you're trying to get a loan for, and the assets you have. </quote> ... Copied to Clipboard!
cuttin_in_farm 07/15/20 11:49:21 PM #21:	Credit history > credit score --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:942171435] in My credit ... [t:78849706]...</cite> <quote>Credit history > credit score </quote> ... Copied to Clipboard!
WarfireX 07/15/20 11:56:44 PM #22:	IdiotMachine posted... Here's what I understand: Credit scores matter for rate eligibility and that's it. Depending on the lender, once you pass the a certain credit (typically around 740 or higher), you qualify for the best rates. Aside from the rates, the biggest thing that matters is your debt to income ratio, your loan to value ratio of the thing you're trying to get a loan for, and the assets you have. Yep, you're right. That's why I was saying having a really high credit score doesn't really matter. It's a factor used against people more often than being in their favor, contrary to the stupid commercials where someone with a good credit score goes into a bank and they start waiting hand and foot for them. --- Spider-Man 3 was a good movie. <cite>WarfireX posted [p:942171698] in My credit ... [t:78849706]...</cite> <quote>IdiotMachine posted... </cite> <quote>Here's what I understand: Credit scores matter for rate eligibility and that's it. Depending on the lender, once you pass the a certain credit (typically around 740 or higher), you qualify for the best rates. Aside from the rates, the biggest thing that matters is your debt to income ratio, your loan to value ratio of the thing you're trying to get a loan for, and the assets you have.</quote>Yep, you're right. That's why I was saying having a really high credit score doesn't really matter. It's a factor used against people more often than being in their favor, contrary to the stupid commercials where someone with a good credit score goes into a bank and they start waiting hand and foot for them. </quote> ... Copied to Clipboard!
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Current Events > My credit score is 810 (+) Yeah! (+)

Current Events > My credit score is 810