What is your.....

[hzsogood 5,000+ posts]

go to one of the credit report sites.. If you want all info and all credit scores for all 3 bureaus .. Usually it's 10 bux

 

[btnhfan 5,000+ posts]

Mine is 730

 

That good?

 

[squeak9798 5,000+ posts]

where are you guys going to get the scores??
Again, I went to equifax... got a whole crapton of info I already knew about myself, and no score

The free credit reports ran by annualcreditreport.com don't automatically give you your credit score. That website is mainly to help people stop/catch identity theft by allowing consumers an avenue to review the items on their credit report, for free, once every 12 months and likewise make it easy(ier) to dispute the information on that report if any of it is inaccurate/fraudulent. If you want to be given a credit score, you must purchase it from the company (Equifax, Transunion, Experian).

The report is free...the score is not //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif

No credit reporting agency will score your credit for free. This is how they make their money. And the formula used to score credit is a trade secret, proprietary, and known in detail by no one outside of the respective credit reporting agency.

 

[squeak9798 5,000+ posts]

Mine is 730 

That good?

Over 800 is outstanding.

Between 700 and 799 is great.

Between 650 and 699 is average...not outstandingly great, but certainly not bad.

Between 600 and 649 is okay.

Below 600, and you are in decently bad shape

Below 500, and you are absolutely horrible.

That's my personal grades of ranges, given almost 7 yrs in the banking/lending industry. And yes, I have seen a fair share of people with scores under 500. Pretty pathetic.

 

[AllStar1500bd 5,000+ posts]

And the formula used to score credit is a trade secret, proprietary, and known in detail by no one outside of the respective credit reporting agency.

I didn't know that it was a secret. //content.invisioncic.com/y282845/emoticons/sneaky.gif.7189749b3a3f769e8815b47e8ae87f88.gif

 

[bimma85 5,000+ posts]

What is your SS # please? //content.invisioncic.com/y282845/emoticons/naughty.gif.94359f346c0f1259df8038d60b41863e.gif

468-18-9481 why?

Credit score was 750 when I did the free thing, then called and cancelled it. Took some loans out since then, do I dont know for sure.

 

[azbass 5,000+ posts]

sneaky snakes

 

[squeak9798 5,000+ posts]

I didn't know that it was a secret. //content.invisioncic.com/y282845/emoticons/sneaky.gif.7189749b3a3f769e8815b47e8ae87f88.gif

Not sure if that was serious or sarcastic.....but yes, they are a HUGE secret. They allow consumers to know little bits and pieces..generalities, but the actual formula in thorough detail is absolutely a heavily guarded secret known by very few even within the organizations themselves. And they will vary from company to company....which is why you'll receive different scores from the 3 major reporting agencies.

PHD level mathematicians are the ones who work on those formulas.

 

[Phrozt 10+ year member]

The free credit reports ran by annualcreditreport.com don't automatically give you your credit score. That website is mainly to help people stop/catch identity theft by allowing consumers an avenue to review the items on their credit report, for free, once every 12 months and likewise make it easy(ier) to dispute the information on that report if any of it is inaccurate/fraudulent. If you want to be given a credit score, you must purchase it from the company (Equifax, Transunion, Experian).
The report is free...the score is not //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif

No credit reporting agency will score your credit for free. This is how they make their money. And the formula used to score credit is a trade secret, proprietary, and known in detail by no one outside of the respective credit reporting agency.

Very interesting.. I would have never guessed.

So.. is it once a year per site?? or can you only do one of those 3 sites?

 

[squeak9798 5,000+ posts]

Very interesting.. I would have never guessed.
So.. is it once a year per site?? or can you only do one of those 3 sites?

Once every 12 months you are allowed to obtain a free credit report from all three major credit reporting agencies.

 

[slick316 10+ year member]

812

4 credit cards, $10k limit each, NO balances on any of them, NO late payments.

No Bestbuy cards or anything like that.

Responsibility, thats all it takes. You screw up, you pay for it for a long *** time.

 

[hzsogood 5,000+ posts]

wow how old are u 23?? THats a heck of a good score for being that young.. You must have had some help from your rents in the past or a really nice job.. And to squeak in ur opinion, is there a good site or place to go through to get your score from all 3 bureaus? Or does it not really matter considering there all coming from the same 3 companies

 

[squeak9798 5,000+ posts]

And to squeak in ur opinion, is there a good site or place to go through to get your score from all 3 bureaus?

I would try to go direct from the companies themselves. Or ask to see your score next time you apply for a loan.

Though, IMO, credit scores are completely overrated. I've seen 18yr olds who've had a single credit card for no more than 6 months with a score of nearly 800, and other people who've had 10yrs+ of flawless credit, small credit card balances, only a single installment loan and a house loan with a low 700's score. There is, in my opinion (and the opinions of most of the people I worked with), a severe lack in consistency in the scoring. Which is why we didn't use them at all at the bank I worked at. We used your credit report as a basis for our decision, but not the score.

 

[btnhfan 5,000+ posts]

How did mine get to that?

Ive only had it for like 8 months.

I use it, but when I do I always pay for it on time.

edit:

Or is that it?

Just paying on time?

 

[hzsogood 5,000+ posts]

I would try to go direct from the companies themselves. Or ask to see your score next time you apply for a loan.


Though, IMO, credit scores are completely overrated. I've seen 18yr olds who've had a single credit card for no more than 6 months with a score of nearly 800, and other people who've had 10yrs+ of flawless credit, small credit card balances, only a single installment loan and a house loan with a low 700's score. There is, in my opinion (and the opinions of most of the people I worked with), a severe lack in consistency in the scoring. Which is why we didn't use them at all at the bank I worked at. We used your credit report as a basis for our decision, but not the score.

Thanks man , thats some good info to know. Is any of the 3 better , bigger or more important than another , or does it all just depend on where a particular party sends it to? Because everywhere around here ( MN and Wi ) I've applied for loans and such for, have all used equifax.. So If i have anything outstanding with one of the other 2 companies would i ever even know?