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Forum » Post your credit score
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Thread: Post your credit score

post 1686141803 07-09-2023, 08:41 AM
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#1
  1. eatliftskate
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  1. eatliftskate
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Post your credit score



Had it at 779 a couple years ago then racked up some credit card debt and it dropped to 672. Paid off my debt and it jumped to 755. How can I get it to 800+?

And what kind of interest rate could I get on a 45k car with my credit score and putting 20k down?
6’0
180
post 1686141823 07-09-2023, 08:42 AM
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#2
  1. Koreannoodles79
  2. Banned
  1. Koreannoodles79
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how old are you?

and just lol at buying a 45k car
post 1686141833 07-09-2023, 08:42 AM
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#3
  1. OffwhiteBrah
  1. OffwhiteBrah
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haven't checked it since, prob a few points higher now

post 1686141933 07-09-2023, 08:44 AM
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#4
  1. gbullock32
  2. Common sense/moderation.
  1. gbullock32
  2. Common sense/moderation.
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Short cuts to success are often paved with lies.
1/13/16: Massive hernia.
5/10/16: Finally back to lifting, light but improving.

Why Teens shouldn't cut/Lack of progress thread- http://forum.obnoxiousbrutes.com/showthread.php?t=169272763&p=1397509823#post1397509823
post 1686141993 07-09-2023, 08:46 AM
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#5
  1. eatliftskate
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  1. eatliftskate
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Originally Posted By OffwhiteBrah⏩
haven't checked it since, prob a few points higher now

mirin hard

How did you get it so high?
6’0
180
post 1686142003 07-09-2023, 08:46 AM
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#6
  1. Issobolic28
  2. IG Taurus46ott
  1. Issobolic28
  2. IG Taurus46ott
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I could post it but I also have something like 25 years worth of credit history....
post 1686142043 07-09-2023, 08:47 AM
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#7
  1. eatliftskate
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  1. eatliftskate
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Originally Posted By Koreannoodles79⏩
how old are you?

and just lol at buying a 45k car


So hnngggg though
6’0
180
post 1686142193 07-09-2023, 08:52 AM
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#8
  1. eatliftskate
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  1. eatliftskate
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Originally Posted By gbullock32⏩
What’s your utilization %?

It goes higher if you utilize about 10% of credit compared to 0% right?
6’0
180
post 1686142233 07-09-2023, 08:52 AM
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#9
  1. gbullock32
  2. Common sense/moderation.
  1. gbullock32
  2. Common sense/moderation.
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Originally Posted By eatliftskate⏩
What’s your utilization %?

It goes higher if you utilize about 10% of credit compared to 0% right?
About 5% and I think you're right on that.
Short cuts to success are often paved with lies.
1/13/16: Massive hernia.
5/10/16: Finally back to lifting, light but improving.

Why Teens shouldn't cut/Lack of progress thread- http://forum.obnoxiousbrutes.com/showthread.php?t=169272763&p=1397509823#post1397509823
post 1686142263 07-09-2023, 08:53 AM
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#10
  1. OffwhiteBrah
  1. OffwhiteBrah
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Originally Posted By eatliftskate⏩
mirin hard

How did you get it so high?
by having 150k total credit limits and using exactly 1% of it on a monthly basis, nothing special really . i use it for bills but never pay the cards off in full always leave a few bucks on it to carryover. My formula prob won't work for others though, fico/vantage scores are just weird algo's
post 1686142313 07-09-2023, 08:54 AM
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#11
  1. jimbob007
  2. Keep The Red Flag Flying
  1. jimbob007
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Who cares? Means nothing as the banks, government etc can make it minus on a whim if they so choose.
post 1686142573 07-09-2023, 08:59 AM
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#12
  1. Redfish225
  2. Hunter/Fisherbreh
  1. Redfish225
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Nice try panjeet credit scammer.


Gonna send a glitter bomb to your call center filled with spray deodorant.
I loe e.
post 1686143443 07-09-2023, 09:18 AM
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#13
  1. Vascularmanlet
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  1. Vascularmanlet
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966 srs

Despite being a massive degenmaxxer I’ve never actually owned a credit card and have zero debt (srs) pay for everything outright with cash crew

Feelsgoodman

[/url
post 1686143583 07-09-2023, 09:20 AM
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#14
  1. eatliftskate
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  1. eatliftskate
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Originally Posted By Vascularmanlet⏩
966 srs

Despite being a massive degenmaxxer I’ve never actually owned a credit card and have zero debt (srs) pay for everything outright with cash crew

Feelsgoodman

[/url
I didn’t know you could get it that high without ever having a credit card or credit history. Must work differently in the UK

Mirin tho
6’0
180
post 1686144043 07-09-2023, 09:31 AM
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#15
  1. BearyManilowe
  1. BearyManilowe
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Bout tree fiddy.
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post 1686144063 07-09-2023, 09:31 AM
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#16
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813. Just went down cuz of some inquiries.

FICO is different btw. Higher score cuz it goes up to 900. Mines like 850+ FICO.
Capture.JPG
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post 1686144193 07-09-2023, 09:34 AM
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#17
  1. johnjohnforward
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350
Bills mafia
post 1686144343 07-09-2023, 09:37 AM
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#18
  1. DustinTheHuss
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847
post 1686144663 07-09-2023, 09:44 AM
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#19
  1. pengh
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I haven't checked it in years
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post 1686144953 07-09-2023, 09:51 AM
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#20
  1. FinBra
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Originally Posted By eatliftskate⏩
I didn’t know you could get it that high without ever having a credit card or credit history. Must work differently in the UK
Thats some euro ****. American don't go past 900
post 1686144983 07-09-2023, 09:51 AM
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#21
  1. Visel
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I keep my utilization really low, never missed a payment, usually have been paying my cards off 100% every week or 2.

I have zero debt atm. Used to have student loans and a car loan. Paying those off actually hurt my score temporarily for some reason.
post 1686145853 07-09-2023, 10:11 AM
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#22
  1. Legz422
  1. Legz422
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784. I didn't use credit for about 8 years after my divorce and with closing cards during the divorce I was in the mid 600's. I started working on it about a year ago and brought it up in that time. I put all my purchases on credit card then pay it off about twice a month. I have no debt.
~ In a world where you can be anything, be kind ~
post 1686146143 07-09-2023, 10:16 AM
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#23
  1. nutsy54
  2. Random Words
  1. nutsy54
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Non-existent. No debt, no credit accounts, no score

post 1686146403 07-09-2023, 10:22 AM
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#24
  1. DimTriad
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Why not buy a 20k car and put 100% down
Benevolent Dictatorship
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post 1686148963 07-09-2023, 11:17 AM
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#25
  1. multiplemiggs
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Originally Posted By nutsy54⏩
Non-existent. No debt, no credit accounts, no score

This must be what mine looks like.

I've never had a loan, credit card, or mortgage.

Cash only crew.
SPOT SOLD TO FROGTECH - 100% NATURAL GENETIC FROG FIBRES

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post 1686153943 07-09-2023, 12:54 PM
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#26
  1. nutsy54
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Originally Posted By multiplemiggs⏩
This must be what mine looks like.

I've never had a loan, credit card, or mortgage.

Cash only crew.
I've had all that crap. Then the score disappeared six months after I closed the last credit card account
post 1686154753 07-09-2023, 01:11 PM
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#27
  1. theory816
  2. G-Unit
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Mines pretty bad lol. It used to be around 780 until I fudged it all up. Tbh 700 is really all you need.
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post 1686154783 07-09-2023, 01:11 PM
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#28
  1. Ratfish
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nice try, fair isaac
Make Europe Germany Again
post 1686154833 07-09-2023, 01:12 PM
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#29
  1. SteadySmokin
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bout 350
post 1686155173 07-09-2023, 01:17 PM
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#30
  1. tripod29
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LOL @ debtcels. Just LOL.
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