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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Spinoff. What is your FICO score?
This is something everyone should know.
When was the last time you checked your credit report? See what was on there?
My credit score is 811. I got that up from 620 when I was younger.
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Posted 11/20/15 9:35 AM  |
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Lara&Aidansmommy
For mom i miss u ETC ILOVEU
Member since 3/07 13921 total posts
Name:
ETC I LOVE YOU
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Re: Spinoff. What is your FICO score?
Mines 780
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| Posted 11/20/15 9:36 AM |
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MrsMick
Baby #2 debuts in March 2016!
Member since 9/09 1977 total posts
Name:
Michele
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Spinoff. What is your FICO score?
Used to be 801. But for some reason now it is 765. DH's is over 800 so either way, we are good!
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| Posted 11/20/15 9:40 AM |
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hotelcalie
LIF Adult
Member since 12/05 1392 total posts
Name:
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Spinoff. What is your FICO score?
805 last time I checked.
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| Posted 11/20/15 9:58 AM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Spinoff. What is your FICO score?
Anything over 750, for the most part is great credit.
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| Posted 11/20/15 10:02 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Spinoff. What is your FICO score?
850
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| Posted 11/20/15 10:09 AM |
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Blazesyth
*yawn*
Member since 5/05 8129 total posts
Name:
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Spinoff. What is your FICO score?
846
And Amex still tells me I have to improve. 
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| Posted 11/20/15 10:29 AM |
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Spinoff. What is your FICO score?
804 last I checked.
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| Posted 11/20/15 10:34 AM |
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DaniJude
You're My Home <3
Member since 11/06 14815 total posts
Name:
Danielle
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Re: Spinoff. What is your FICO score?
820
I normally wouldn't know but I just leased a new car so they told me.
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| Posted 11/20/15 10:36 AM |
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Spinoff. What is your FICO score?
both dh and I are 850, hoping when we buy a house early next year that our credit scores and report help with interest rates.
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| Posted 11/20/15 10:40 AM |
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shadows
LIF Adult
Member since 1/10 4694 total posts
Name:
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Spinoff. What is your FICO score?
815. And the commentary says the fact that I have no loans or mortgage lowers it because I'm not proving that I pay back debt. Who knew being debt free was bad! lol
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| Posted 11/22/15 2:08 PM |
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Re: Spinoff. What is your FICO score?
Ours both have always been in the 700's and we have gotten a mortgage, car loans etc. for the lowest rate.
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| Posted 11/22/15 2:34 PM |
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Cacarina
Two girls!
Member since 12/09 2971 total posts
Name:
Cari
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Spinoff. What is your FICO score?
805 or something. Last checked a bit over a year ago when I leased a car - could have changed since then but probably not by much bc not much has changed with my financial situation.
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| Posted 11/22/15 5:40 PM |
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Bebelove
LIF Adolescent
Member since 8/12 742 total posts
Name:
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Re: Spinoff. What is your FICO score?
765, says credit history is short (I don't think it is) and I don't have enough accounts open (I think I do). How many cards /accounts do I need? In any case, we always get the lowest rate
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| Posted 11/22/15 7:02 PM |
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Spinoff. What is your FICO score?
I just checked the other day and mine is 819.
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| Posted 11/22/15 8:40 PM |
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racheK
Hudson's Momma
Member since 10/10 2853 total posts
Name:
Rachel
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Spinoff. What is your FICO score?
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
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| Posted 11/22/15 8:49 PM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: Spinoff. What is your FICO score?
Last time I applied for something it was somewhere around 750ish. It fluctuates.
To be honest, I see credit reports daily at work and rarely do people have over an 800 score. The score you get on your credit card statement, or that you get when you pay for your report is not the same as it would be when applying for credit.
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| Posted 11/22/15 10:12 PM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: Spinoff. What is your FICO score?
Posted by racheK
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
803 is great. But yes, not having any/much debt does "hurt" you. Also your length of credit cards, etc. So the older you get, keeping the same CCs, as long as you pay them off monthly helps. Things like that.
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| Posted 11/23/15 8:35 AM |
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Momma2015
Mommax2
Member since 12/12 6656 total posts
Name:
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Re: Spinoff. What is your FICO score?
Posted by Shroggie
Last time I applied for something it was somewhere around 750ish. It fluctuates.
To be honest, I see credit reports daily at work and rarely do people have over an 800 score. The score you get on your credit card statement, or that you get when you pay for your report is not the same as it would be when applying for credit.
So far, mine has been extremely accurate. I only know because we applied for a mortgage. In fact, my credit card statement low-balled me. I was 30 points higher and absolutely delighted. 
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| Posted 11/23/15 9:14 AM |
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racheK
Hudson's Momma
Member since 10/10 2853 total posts
Name:
Rachel
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Re: Spinoff. What is your FICO score?
Posted by NYCGirl80
Posted by racheK
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
803 is great. But yes, not having any/much debt does "hurt" you. Also your length of credit cards, etc. So the older you get, keeping the same CCs, as long as you pay them off monthly helps. Things like that.
I actually looked into this-- the average age of my credit history is 16 years and I've never been late on a payment BUT apparently the number of credit inquiries I've had in the last few years have reduced my Credit Inquiries score from Excellent to Good. Very interesting!
Message edited 11/23/2015 10:35:42 AM.
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| Posted 11/23/15 10:31 AM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Re: Spinoff. What is your FICO score?
Posted by Momma2015
Posted by Shroggie
Last time I applied for something it was somewhere around 750ish. It fluctuates.
To be honest, I see credit reports daily at work and rarely do people have over an 800 score. The score you get on your credit card statement, or that you get when you pay for your report is not the same as it would be when applying for credit.
So far, mine has been extremely accurate. I only know because we applied for a mortgage. In fact, my credit card statement low-balled me. I was 30 points higher and absolutely delighted.
Mine is accurate. When I bought my car the dealer said to me "I have been doing this for 20 years. I have never seen anyone with as good credit as you".
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| Posted 11/23/15 11:15 AM |
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shadows
LIF Adult
Member since 1/10 4694 total posts
Name:
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Re: Spinoff. What is your FICO score?
Posted by racheK
Posted by NYCGirl80
Posted by racheK
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
803 is great. But yes, not having any/much debt does "hurt" you. Also your length of credit cards, etc. So the older you get, keeping the same CCs, as long as you pay them off monthly helps. Things like that.
I actually looked into this-- the average age of my credit history is 16 years and I've never been late on a payment BUT apparently the number of credit inquiries I've had in the last few years have reduced my Credit Inquiries score from Excellent to Good. Very interesting!
Not sure if anyone will know the answer, but does it hurt to check your own credit score often? Or just when other people check it? I like to check mine, but now wondering if I'm lowering my own score.
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| Posted 11/23/15 11:47 AM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: Spinoff. What is your FICO score?
Posted by shadows
Posted by racheK
Posted by NYCGirl80
Posted by racheK
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
803 is great. But yes, not having any/much debt does "hurt" you. Also your length of credit cards, etc. So the older you get, keeping the same CCs, as long as you pay them off monthly helps. Things like that.
I actually looked into this-- the average age of my credit history is 16 years and I've never been late on a payment BUT apparently the number of credit inquiries I've had in the last few years have reduced my Credit Inquiries score from Excellent to Good. Very interesting!
Not sure if anyone will know the answer, but does it hurt to check your own credit score often? Or just when other people check it? I like to check mine, but now wondering if I'm lowering my own score.
No. When you check your own credit score or report it's called a soft pull. That does not affect your score.
A hard pull affects your score. Hard pulls are usually done when you apply for credit.
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| Posted 11/23/15 12:01 PM |
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CunningOne
***
Member since 5/05 26975 total posts
Name:
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Re: Spinoff. What is your FICO score?
819 according to my Amex cc site
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| Posted 11/23/15 8:34 PM |
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shadows
LIF Adult
Member since 1/10 4694 total posts
Name:
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Re: Spinoff. What is your FICO score?
Posted by jellybean78
Posted by shadows
Posted by racheK
Posted by NYCGirl80
Posted by racheK
803. I'm curious how to get it higher---I don't have much debt (no mortgage, no car, etc. ) so I guess that hurts me?
803 is great. But yes, not having any/much debt does "hurt" you. Also your length of credit cards, etc. So the older you get, keeping the same CCs, as long as you pay them off monthly helps. Things like that.
I actually looked into this-- the average age of my credit history is 16 years and I've never been late on a payment BUT apparently the number of credit inquiries I've had in the last few years have reduced my Credit Inquiries score from Excellent to Good. Very interesting!
Not sure if anyone will know the answer, but does it hurt to check your own credit score often? Or just when other people check it? I like to check mine, but now wondering if I'm lowering my own score.
No. When you check your own credit score or report it's called a soft pull. That does not affect your score.
A hard pull affects your score. Hard pulls are usually done when you apply for credit.
Gotcha, thanks.
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| Posted 11/23/15 8:58 PM |
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