Where can I get my credit score?

[bunkerking09 10+ year member]

It wasn't a loan. I was a freshman with 5k of housing to pay for, for the year. I got them to suspend it to wait for my signing bonus to pay it off. I'm saving my student loans for grad school since I already have 100% tuition covered via scholarship. And my bonus was 20k, but you get half...yadda yadda...you know the deal. Then i contracted as a cadet so I forfeited the next half of my bonus.

 

[bunkerking09 10+ year member]

grab a best buy credit card if you shop there.. start using it.. etc etc..

I applied for each of the cards (BB card and BB Mastercard) and both were rejected. I heard that if you keep applying it just hurts your score.

 

[hzsogood 5,000+ posts]

I know where you're getting at. Every bank has told me it's an odd occurrence. The best explanation that they can give me is because i've only had a credit card for 5 months, and its not a LOT harder to get credit than it was before. Banks aren't nearly as trusting with people losing jobs left and right.

I never saw your other thread but you just said something about the bank not telling you your score over the phone? Well no shit man, thats a security issue.. LIKE WE SAID, ( in this thread at least ) quit being lazy, organize your shit, get as much money as you can and go open a secured loan...

AS for credit cards.. do NOT go above 50% of your max limit, ( I would suggest not going over 30% until you start building and adding available credit ) and pay it off in full every month..

Credit cards are different from loans.. Credit cards they want to see paid now, because they are meant as an alternative to you not having cash on hand .. Loans they want to see a consistency, and a continual monthly payment because it basically builds credit "trust"

Listen or dont.. Im speaking from experience , and from my Ex being a Loan officer at a Credit Union. I nearly lost it all being laid off from my job for over 9 months .. Defaults credit cards, medical bills, auto loans , and also repo threats .. But I got back on my feet , and trust me it costed me wayyyyyyyy more money to dig myself out than it would for you to start from scratch.. I ALSO had a $4380 write off from Chase.. I know alll about them ppl

Oh and I agree.. Before you get that secured loan , maybe take $20 bucks out a chop the locks a bit, Spicolli //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif

 

[hzsogood 5,000+ posts]

Don't you own a truck? If you have the title, most banks would be willing to make a small credit-building loan using the title as collateral.

this as well . But only a certain % of it.. But its a start

 

[bunkerking09 10+ year member]

my truck is a piece, it doesn't even KBB or Edmunds for 2k.

 

[stangman67 10+ year member]

It wasn't a loan. I was a freshman with 5k of housing to pay for, for the year. I got them to suspend it to wait for my signing bonus to pay it off. I'm saving my student loans for grad school since I already have 100% tuition covered via scholarship. And my bonus was 20k, but you get half...yadda yadda...you know the deal. Then i contracted as a cadet so I forfeited the next half of my bonus.

Air force or Army, and what is this signing bonus you speak of??? Pre commissioning loan?? The pre-com loan is a good way to build credit (eventually) if usaa will approve you for it.

 

[hzsogood 5,000+ posts]

my truck is a piece, it doesn't even KBB or Edmunds for 2k.

So If I recall 1K is under 2K , which "should" give you enough for a 1k secured loan..??

 

[KidThump 10+ year member]

Free Credit Report.com

Tell your Friends, tell your dad, tell your mom

Nevermind they been singing our songs since we first showed up with our pirate hat's on....

Do i need to finish? //content.invisioncic.com/y282845/emoticons/cool.gif.3bcaf8f141236c00f8044d07150e34f7.gif

 

[bunkerking09 10+ year member]

Just got my credit scores

***** - 606

Exper - 606

Equi - 589

Does that sound about right? It says I've had my credit card 5 months, and all the payments are good.

 

[hzsogood 5,000+ posts]

Just got my credit scores
***** - 606

Exper - 606

Equi - 589

Does that sound about right? It says I've had my credit card 5 months, and all the payments are good.

where did you get them from> And yea that about right... Equifax is usually the most widely used

 

[bunkerking09 10+ year member]

awesome. my lowest one. lol

i got them off transunion website for the "3 bureau watch" thing.

 

[Ken448 10+ year member]

careful how many times your credit score is accessed either by you or others.. That hurts your score as well!

Since Im in the middle of a re-fi on my home (should it appraise Ill save some cash every month!!) I know my ***** score right now, it is 856 w00t! Yay for EXCELLENT Credit, I can still get cash out of the banks!!

something for reading about your scores:

http://www.pueblo.gsa.gov/cic_text/money/creditscores/your.htm

even has some examples and how the scores change

your credit scores affect insurance rates too!!!!!

 

[bunkerking09 10+ year member]

careful how many times your credit score is accessed either by you or others.. That hurts your score as well!

I thought that if i'm paying to access it via a credited website that it doesn't hurt the score? I'm also a little high on my one card right now. Limit of $300 and I'm sitting at $250. I'll pay that down to $50 and ask for an extension on my credit so I've got a little more wiggle room. Would asking for an extension hurt me? Is it to early when I've only had the card for 6 months?