Poll of the Day > What's your credit score?

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McSame_as_Bush
04/27/23 1:01:03 AM
#1:


Topic








The 2nd one

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Lokarin
04/27/23 1:05:10 AM
#2:


I don't know since I've never had a credit card or attempted a lone or have anything remotely considered a liquid asset.

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McSame_as_Bush
04/27/23 1:15:00 AM
#3:


Lokarin posted...
I don't know since I've never had a credit card or attempted a lone or have anything remotely considered a liquid asset.

How do you buy things

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GGuirao13
04/27/23 2:52:48 AM
#4:


I've never checked it.

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Lokarin
04/27/23 2:56:15 AM
#5:


McSame_as_Bush posted...
How do you buy things

Money, duh

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party_animal07
04/27/23 3:16:06 AM
#6:


Lokarin posted...
I don't know since I've never had a credit card or attempted a lone or have anything remotely considered a liquid asset.
You should probably get on that. I waited too long (my late 20s) and wish I'd started sooner. The rate on my first car was shit.

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Lokarin
04/27/23 3:20:29 AM
#7:


party_animal07 posted...
You should probably get on that. I waited too long (my late 20s) and wish I'd started sooner. The rate on my first car was shit.

I'm 39

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adjl
04/27/23 8:30:22 AM
#8:


798, by what my bank app says (which uses Transunion).

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Jen0125
04/27/23 8:41:05 AM
#9:


810
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KJ_StErOiDs
04/27/23 8:55:16 AM
#10:


800+

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Dikitain
04/27/23 9:33:56 AM
#11:


816 on Experian and TransUnion, 815 on Equifax. Probably going to go down quite a bit once I pay off my mortgage in a couple months.

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captpackrat
04/28/23 9:28:02 AM
#12:


One of the biggest factors in your credit score is the average age of your accounts. You want to get a credit card from a reliable institution at as young an age as possible and keep that card for as long as possible. You don't need to use it but a few times a year (just to keep it active, buy a pack of gum or a candy bar or the like. You don't need to carry a balance.) Opening a new account will kill your average, but the older your oldest account is, the less this will hurt you.

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captpackrat
04/28/23 9:29:38 AM
#13:


You can get a fair approximation of your credit score for free from Credit Karma.

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Kyuubi4269
04/28/23 1:29:15 PM
#14:


Lokarin posted...


Money, duh

Money is what liquid assets are.

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Jen0125
04/28/23 1:34:11 PM
#15:


captpackrat posted...
You can get a fair approximation of your credit score for free from Credit Karma.

And I've found usually the score they show you is lower than your actual score. When I've applied for loans, my credit score was always higher than what Credit Karma displayed to me.
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Lokarin
04/28/23 1:43:06 PM
#16:


Kyuubi4269 posted...
Money is what liquid assets are.

oh, i thought it meant stuff like cars/houses/stocks

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Kyuubi4269
04/28/23 1:47:23 PM
#17:


Lokarin posted...


oh, i thought it meant stuff like cars/houses/stocks

They're not liquid because you can't spend the value of the asset freely, like a free-flowing liquid. That's why "liquidating your assets" is selling them off. You swap the hard asset for a liquid one to pay your debts.

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Lokarin
04/28/23 2:05:07 PM
#18:


Kyuubi4269 posted...
They're not liquid because you can't spend the value of the asset freely, like a free-flowing liquid. That's why "liquidating your assets" is selling them off. You swap the hard asset for a liquid one to pay your debts.

ya, i thought there was cash, then liquid assets, and then hard assets (with hard assets being stuff like term deposits and such you can't access ever)

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FellWolf
04/28/23 3:29:34 PM
#19:


Glad to see most posters have good credit.

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VampireCoyote
04/28/23 3:52:20 PM
#20:


Triple digits yo

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Yellow
04/28/23 4:27:52 PM
#21:


Used to be 800+ and now I'm at 30% utilization so it's dropping.

I don't actually care, it will go back up. Until then I live in an apartment with no furniture.
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grimhilde00
05/03/23 3:24:36 PM
#22:


US: 810~ last I checked
UK: 577 lol

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