What's YOUR credit score???

[Lingerfelt 10+ year member]

19 with a 707 FICO score.

High revolving balances (**** classifieds), short history, and the fact that I checked it after I had a couple banks run my credit for a car loan.

3 credit cards, 1 car loan.

 

[Loud3 10+ year member]

I have a great credit score.

Which is really amazing.

 

[Skip01 5,000+ posts]

25

660 i think

Just gettin back on track, still can get approved for a 30k car though

 

[Macklessdaddy 10+ year member]

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

I work for usps and would never pay a bill through the mail,so now you will wait for another 5 years until your credit clears up.

 

[fbi90909 5,000+ posts]

25 and last checked was 721. though i owe about 9,500 car and 2,200 credit card, and 700 for my tv.

i let my little brother use my credit card on large purchases that he can't afford at a time cause he has no credit. he makes large payments and clears up his purchases within months so that my credit doesn't get screwed over. so i'm doing pretty well //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

though soon i'm cutting it with capital one. they screwed me 1,700 recently. //content.invisioncic.com/y282845/emoticons/verymad.gif.3f39c5c2fd57527b671fad3efdfac756.gif

 

[envengineer 10+ year member]

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

Not smart, though I agree it is unfair to raise your rates on the first late payment. You could have just rolled that balance onto another card with a different company and avoided the whole mess. Now you credit will be ****ed and they'll end up referring you to collection agencies which are annoying as hell (guy who had my phone number before me apparently had some credit issues).

Best bet when they jack rates on you is to just threaten to pay it off and close the account. They'll refer you to a retention specialist and those guys can give you the rate you want. I play my credit card companies against each other routinely to make sure I have the best rates possible.

 

[john denver 10+ year member]

802 at 25 on equifax

 

[squeak9798 5,000+ posts]

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

Paying off an installment loan could potentially help his score, if he has an established installment loan history and other current installment loans open //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

But I agree with your premise that paying off a loan early isn't inherently going to benefit your score, and sometimes can actually hurt it.

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

Smart move.

Any day now they can choose to litigate you, obtain a judgment which will attach to any of your real property (i.e. it will have to be paid off before you can purchase a home, sell a home, or refinance your home if you currently own) and leave you open to the potential for wage garnishment @ ~25% of your gross income. Plus you'll also owe them for court costs and attorney's fees.

Yeah....you really showed them //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif

 

[22mountaineer 10+ year member]

I don't have credit only cash.

Sounds like me, I just started a bank account about a month ago.

 

[tEh koRnDog 5,000+ posts]

596....20 years old

 

[craigzter 10+ year member]

Age: 20

Score: WAS 722 (about 5 months ago)

NOW: ??? no fn clue

 

[rollingthunder 10+ year member]

709 from equifax, only free one from freecreditreport.com. I wonder what my other ones are? Oh well im not paying for it yet.

 

[jmanpc 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

You know, they're pretty much going to fuck you in the ***, right?

Good luck, dumbshit.

 

[miker 5,000+ posts]

You know, they're pretty much going to fuck you in the ***, right?
Good luck, dumbshit.

I say ask them to let you pay off the 8k at your previous rate of 4.9apr

 

[DejaWiz 5,000+ posts]

32 and around 680ish

3 credit cards that always get more than the minimum due, 2 car loans, and 1 mortgage.