What's YOUR credit score???

[Macklessdaddy 10+ year member]

Just did this.http://www.caraudio.com/forum/showthread.php?t=316661

 

[Macklessdaddy 10+ year member]

you can't have a score of 775 and barely use credit.

No shit,ain't possible.

 

[delvryboy 5,000+ posts]

34 & 756 average between the big 3.

I F'd up my credit real good in my early 20's: repo, bad checks, bankruptcy..... so I'm actually looking pretty **** good right now.

 

[Louisiana_CRX 5,000+ posts]

i've had my share of repos in my life....

 

[jmanpc 5,000+ posts]

no....I paid on them for a while then quit after I seen I wasn't getting anymore credit...I think I owe over $100,000 with late fees and crap now.....oh well getting close to new SS# time.....I've been doing some research it is trickier these days but still can be done...10 years ago it would've been a cake walk.....

//content.invisioncic.com/y282845/emoticons/eek.gif.771b7a90cf45cabdc554ff1121c21c4a.gif//content.invisioncic.com/y282845/emoticons/eek.gif.771b7a90cf45cabdc554ff1121c21c4a.gif//content.invisioncic.com/y282845/emoticons/eek.gif.771b7a90cf45cabdc554ff1121c21c4a.gif

 

[quakerroatmeal 10+ year member]

I'm 22, I'm sitting at a 680 the last time I checked. Got 1 bad thing on my record so that sucks. Taking care of it right now though. I'm hoping to get it up to the mid 700s.

 

[Joseph M 10+ year member]

710 at 22 with a 140k loan out.

 

[DDeitz 10+ year member]

i've had my share of repos in my life....

ahh i get it now, you dont actually own the cars you drive //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif

 

[davidfre21 5,000+ posts]

760 or so @ 21

and just bought a house and another little truck, so who knows what that did to it.

 

[dman4486 5,000+ posts]

22

don't know a credit score, but it must be good because I just payed off my motorcycle loan about 3 years early

 

[sqhertz 5,000+ posts]

i really need to pay my card off so i can get a new-used car.. got around 4g's on my wamu card. //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

 

[One Bad MOFO 10+ year member]

I'm 20 with a 732. I've got 2 paid off car loans for credit and i think thats all though.

 

[Macklessdaddy 10+ year member]

22
don't know a credit score, but it must be good because I just payed off my motorcycle loan about 3 years early

paying off a loan 3 years early will NOT help your credit,remember you need history

 

[RAM_Designs 5,000+ posts]

paying off a loan 3 years early will NOT help your credit,remember you need history

x2

They look for you being able to make steady payments...paying something off quickly won't help out as much as doing more payments.

 

[Scoobydoo 5,000+ posts]

i stopped using my Capital One card with $6k on it, it had a 10k limit. My interest rate was 4.9%, but one of my payments was a few days late(which was usps not me) so they bumped it to 14.9%. i told them to either lower back to 4.9% or i will stop paying on it.

they told me no and i stopped paying it about 2 years ago. i am not sure what the rate is now, but the last statement said owe $18k on it, so about $12k in interest

they send me offers every few months saying i can make a one time payment of 50% of the total and it will be done with

like i have $8k just sitting around, they will never get another dime