ActionfigureJoe Posted April 21 Share Posted April 21 Take one out and this happens. Quote Link to comment Share on other sites More sharing options...
NaturallyAspirated Posted April 21 Share Posted April 21 I'm at 440, like a great Mopar Motor! Neal Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member steve from amherst Posted April 21 Platinum Contributing Member Share Posted April 21 820 , 821 Quote Link to comment Share on other sites More sharing options...
ActionfigureJoe Posted April 21 Author Share Posted April 21 19 minutes ago, NaturallyAspirated said: I'm at 440, like a great Mopar Motor! Neal Here’s what’s so crazy. The numbers have been static for years. I took out a Home Depot card for a discount on construction materials and it popped 5 points. Crazy. Quote Link to comment Share on other sites More sharing options...
Mag6240 Posted April 21 Share Posted April 21 I don’t think I’ve ever checked my credit score. Quote Link to comment Share on other sites More sharing options...
Mainecat Posted April 21 Share Posted April 21 It’s all we use for the rewards. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted April 21 Platinum Contributing Member Share Posted April 21 13 minutes ago, Mainecat said: It’s all we use for the rewards. Same. Have no clue what my credit score is. Quote Link to comment Share on other sites More sharing options...
Deephaven Posted April 21 Share Posted April 21 My card shows it every time I log in. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 21 Platinum Contributing Member Share Posted April 21 Mine varies between 805 and 826. No real rhyme or reason. When I think it should drop it actually goes up and vice versa. I think the major consideration is being on time with payments. I have never had a late payment on anything in my life. It also shows on my credit card whenever I log on..... But this is fairly recent within the last year. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 21 Platinum Contributing Member Share Posted April 21 44 minutes ago, ActionfigureJoe said: Here’s what’s so crazy. The numbers have been static for years. I took out a Home Depot card for a discount on construction materials and it popped 5 points. Crazy. I think sometimes taking out more credit actually helps to a point. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Blackstar Posted April 21 Platinum Contributing Member Share Posted April 21 I've never checked mine. Why would I want to know? Quote Link to comment Share on other sites More sharing options...
XCR1250 Posted April 21 Share Posted April 21 Never had a Credit Card, debit, yup. Quote Link to comment Share on other sites More sharing options...
Gold Member BOHICA Posted April 22 Gold Member Share Posted April 22 Mine show up as 850 Quote Link to comment Share on other sites More sharing options...
Gold Member BOHICA Posted April 22 Gold Member Share Posted April 22 28 minutes ago, Blackstar said: I've never checked mine. Why would I want to know? Identity theft…. Watching your credit is an awesome way to catch it. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 22 Platinum Contributing Member Share Posted April 22 21 minutes ago, Blackstar said: I've never checked mine. Why would I want to know? If you're not in the market for any big ticket items then it doesn't really matter..... If you're looking to finance anything such as a car or get a mortgage, it's kinda nice to know what your score is and if you'll qualify for the best rate available. Personally, I'm done with all that for the most part...but it's nice to know I can qualify for the best offers of any credit card or car loan should the need arise. https://www.forbes.com/advisor/mortgages/how-your-credit-score-affects-your-mortgage-rates/ Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 22 Platinum Contributing Member Share Posted April 22 2 minutes ago, BOHICA said: Identity theft…. Watching your credit is an awesome way to catch it. Yeah.... that's true... If there's a sudden drop for no reason it's likely your identity may be compromised. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 22 Platinum Contributing Member Share Posted April 22 9 minutes ago, BOHICA said: Mine show up as 850 So you have an absolutely perfect credit score...850. You are in the top 1.31%.... congrats Quote Link to comment Share on other sites More sharing options...
Gold Member BOHICA Posted April 22 Gold Member Share Posted April 22 (edited) 3 minutes ago, ViperGTS/Z1 said: So you have an absolutely perfect credit score...850. You are in the top 1.31%.... congrats Yep. Wife is as well. The few times over the last couple years when I dipped off 850 is when I had a negative credit card balance. 😂 Edited April 22 by BOHICA Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 22 Platinum Contributing Member Share Posted April 22 10 minutes ago, BOHICA said: Yep. Wife is as well. The few times over the last couple years when I dipped off 850 is when I had a negative credit card balance. 😂 That's cool man.... I hope to get there someday. But anything over 800 is considered exceptional And there really aren't any other perks or bonuses above it other than bragging rights. But I'd like to have those bragging rights. And I think you're pretty young too And a lot of the score is reflected on how long you have had credit.....Again nice job and congrats Quote Link to comment Share on other sites More sharing options...
Gold Member BOHICA Posted April 22 Gold Member Share Posted April 22 Just now, ViperGTS/Z1 said: That's cool man.... I hope to get there someday. But anything over 800 is considered exceptional And there really aren't any other perks or bonuses above it other than bragging rights. But I'd like to have those bragging rights. And I think you're pretty young too And a lot of the score is reflected on how long you have had credit.....Again nice job and congrats I’m 47. My longest credit card is 24 year 9 months. My available credit card balance I can use is approaching 6 figures. Not that I would carry any credit card balance. Don’t go negative balance on your credit cards…. That dings your score! 1 Quote Link to comment Share on other sites More sharing options...
Doug Posted April 22 Share Posted April 22 31 minutes ago, ViperGTS/Z1 said: So you have an absolutely perfect credit score...850. You are in the top 1.31%.... congrats If you have a limited number of credit cards with no balance or actually a credit on them with no debts or loans that actually works against you on your credit report. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted April 22 Platinum Contributing Member Share Posted April 22 5 minutes ago, Doug said: If you have a limited number of credit cards with no balance or actually a credit on them with no debt that works against you on your credit report. Yeah there's a lot of different factors in play. Some things you do you think you're improving your credit but actually only hurting it. Quote Link to comment Share on other sites More sharing options...
Not greg b Posted April 22 Share Posted April 22 Mine is like a 820 if i remember right. I spend like 7k a month on one and it’s paid in full. I get all kinds of offers for new ones and emails to do something and card company will up the limit a bunch. I am not sure what the actual limit is because I have never been close to hitting it and would use a credit card on something expensive Quote Link to comment Share on other sites More sharing options...
ActionfigureJoe Posted April 22 Author Share Posted April 22 I’ve had the same credit card for 25 years. That’s probably what’s holding me back. Zero debt and one lonely credit card. Now a Home Depot card. 6 more cards and I’ll have perfect score. 1 Quote Link to comment Share on other sites More sharing options...
Deephaven Posted April 22 Share Posted April 22 1 hour ago, Doug said: If you have a limited number of credit cards with no balance or actually a credit on them with no debts or loans that actually works against you on your credit report. I have a couple hundred k in credit with no balance and an 850 so that logic doesn't hold from my experience Quote Link to comment Share on other sites More sharing options...
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