(Post Master Supreme)

11/30/16 02:57 PM

Re: 851

Op that's impressive.

Do tell how.

(Post Master Supreme)

11/30/16 02:58 PM

Re: 851

Buy low, sell high?

I'm sure a "real" pull would be in the low 800 range.

(Post Master Supreme)

11/30/16 03:02 PM

Re: 851

I've never cracked 800
High 7 for me

JEFFOS

(Post Master Supreme)

11/30/16 04:13 PM

Re: 851

123 shiet

(Post Master Supreme)

11/30/16 04:18 PM

Re: 851

Originally Posted By: Risky Business

I've never cracked 800
High 7 for me

(Post Master Supreme)

11/30/16 06:16 PM

Re: 851

Originally Posted By: Risky Business

I've never cracked 800
High 7 for me

Same

(Post Master Supreme)

11/30/16 06:40 PM

Re: 851

Dirt peep credit score things.

titty sprinkles

(Post Master Supreme)

11/30/16 07:05 PM

Re: 851

57. passenger 57.

hyper-s2k

(Post Master Supreme)

11/30/16 09:35 PM

Re: 851

Originally Posted By: titty sprinkles

57. passenger 57.

always bet on black?

porschetr

(Post Master Supreme)

11/30/16 11:03 PM

Re: 851

810

Think it was different last year, and the last hard credit check was in 2006 according to that report.

(Post Master Supreme)

12/01/16 07:24 AM

Re: 851

I'm hooked. Tried Equifax (through Ratehub) and got 848.

Anything above ~760 is all treated the same.

(Post Master Supreme)

12/01/16 07:26 AM

Re: 851

Good to know, so no point for me to crack 800. I still don't know what I am doing "wrong"

I don't have outstanding debt, everything is paid monthly

Only thing I can think of is I have a lot of available credit that's not used.

(Post Master Supreme)

12/01/16 07:53 AM

Re: 851

Do you use your CC regularly? It might also be because of all the open credit too? Maybe I should cancel some shit that I don't use???

spd-dmn

(Post Master)

12/01/16 08:11 AM

Re: 851

My understanding is that low credit utilization is a plus.

Screamin Type ARGH!

(Post Master Supreme)

12/01/16 08:17 AM

Re: 851

Originally Posted By: Hatorade

Do you use your CC regularly? It might also be because of all the open credit too? Maybe I should cancel some shit that I don't use???

cancelling can ding you too doe.

(Post Master Supreme)

12/01/16 08:37 AM

Re: 851

Originally Posted By: Hatorade

Do you use your CC regularly? It might also be because of all the open credit too? Maybe I should cancel some shit that I don't use???

I have 1 CC shared with SO, use it for everything.

(Post Master Supreme)

12/01/16 08:53 AM

Re: 851

It's basically a black art, trying to figure out the calculations. I've carried balances on my line of credit for a couple of years (last paid off in early 2015?), never carried a balance on a credit card, and have never had a loan outside of my mortgage. Another thing that supposedly helps is I've had one credit card for a LONG time now, and only added a second one about two years ago.

The quest for 900 begins.

(Post Master Supreme)

12/01/16 08:59 AM

Re: 851

How many CC's do you have eddie?

I have 5 currently, with one maxed out (took advantage of the 1 yr no interest). All the others have no balance. Maybe too much unsecured credit?

(Post Master Supreme)

12/01/16 09:01 AM

Re: 851

3. 2 Canadian and 1 US.

I don't think the US one showed up on the CreditKarma details

SuPeR-MaRiO

(Post Master Sr)

12/01/16 10:08 AM

Re: 851

Does it really matter? How often is your credit score required? Unless you're applying for a new credit card (at this point in your life how often is this done) or a loan when is it checked. Perhaps when buying a new car for financing but we all know everyone here pays in cash.

(Post Master Supreme)

12/01/16 10:40 AM

Re: 851

Well a great credit score is needed for low interest loans/mortgages.

Denis Si

(Post Master)

12/01/16 10:44 AM

Re: 851

Originally Posted By: Hatorade

Well a great credit score is needed for low interest loans/mortgages.

RFDers say it's a myth

(Post Master Supreme)

12/01/16 10:53 AM

Re: 851

Originally Posted By: Denis Si

Originally Posted By: Hatorade

Well a great credit score is needed for low interest loans/mortgages.

RFDers say it's a myth

How so?

Poor credit scores do not qualify at the same rates since they are higher risk.

Choco 'Nuck

(Post Master Supreme)

12/01/16 10:54 AM

Re: 851

I'm in the same boat as Risky and Hatorade, high 700s, and I had a hard hit when we picked up the X1.

Denis Si

(Post Master)

12/02/16 08:24 AM

Re: 851

Originally Posted By: Hatorade

Originally Posted By: Denis Si

Originally Posted By: Hatorade

Well a great credit score is needed for low interest loans/mortgages.

RFDers say it's a myth

How so?

Poor credit scores do not qualify at the same rates since they are higher risk.

Maybe if you have 400 vs 600. But 650+ makes no difference. RFD has a 100 page thread on it

TheRealCSnapper

(Post Master Supreme)

12/02/16 08:34 AM

Re: 851

Originally Posted By: Hatorade

Originally Posted By: Denis Si

Originally Posted By: Hatorade

Well a great credit score is needed for low interest loans/mortgages.

RFDers say it's a myth

How so?

Poor credit scores do not qualify at the same rates since they are higher risk.

in the US if you're a 700 you get x rate, if you're 750 you get better than x rate...

where as in canada, as long you're above a certain range, your rate doesn't get any better

so if you're really low, you're dealing with a sub prime loan, but once you're in a decent category of credit score, good/better/best all means the same thing

OracerO

(Post Master Sr)

12/02/16 01:40 PM

Re: 851

812.

Paid off LOC last year and it jumped from low 7 to 8 in 2 months.

I read somewhere that paying off your CC's 5 days before the payment date helps, because it's around the 5days is when the CC company updates your balances.

been doing that since i read that.