Free FICO Credit Score! Post up here if you have the balls

[dreid]

@Pass McGass

<— wants to know c.score. Any other freebies around now?

credit karma is where i got mine

[greenbull]

@Joe

Yeah, ours is even worse because we both have the middle initial A, but the A’s are different, so I’m not a junior. The only time it ever helped was that I paid car insurance as a 50-55 year old when I was 16-21 driving V8’s because they mixed us up.

wow ur father was as retarded as mine when naming his son after him…with the same middle initial and not making it jr, sr. (this is my brothers scenario). What a pain in the ass when people call or important letters come in the mail.

[Pass_McGass]

@JayS

Wow, want a great example of how credit scores can hurt you?

They have a little calculator under the “how lenders see you” section. I put in 48 month used car loan in Buffalo, NY and this is what it spit out:

Score APR
You 720-850 6.000%
690-719 7.925%
660-689 9.000%
620-659 11.331%
590-619 15.022%
500-589 15.973%

Those are the average rates people with those scores are getting. They ramp up pretty fast.

And a 30 year fixed mortgage:

Score APR
You 760-850 5.738%
700-759 5.959%
680-699 6.135%
660-679 6.348%
640-659 6.776%
620-639 7.320%
600-619 9.501%
580-599 10.179%
550-579 10.447%
500-549 10.498%

I’m at 693.

At least I’m not in the crazy APR bracket.

[dmoffitt]

@Joe

go back to running freddie mac. we’re busy here.

weakest.

insult.

well, ok, not ever. but really? that’s all you had to say? :poke:

@walter

why the fuck would you crap on someone’s request for advice on starting to race

I wasn’t crapping on his request, I was crapping on his inability to TAKE the very advice he was asking for. Perhaps you should actually READ that thread, not skim it with a biased eye (like the OP did) :ham:

People were telling him (as I was) that he needed to work his way though someone’s formal HPDE program not just self-taught-I’ve-been-to-Dunnville prior to just buying a car and jumping in feet first but he chose only to listen to what reinforced his pre-existing opinion, aka, that’s not looking for advice its looking for SELF VALIDATION. That was what I was railing against, and I’ll stand by that to the end.

Asking for advice requires a bit of humility and an open mind, but then again neither of those are things you’re very well known for walter.

PS this thread is still a huge e-penis-waving-meets-stupidity-contest.

[Garick]

765 on credit karma

[Drexial]

730ish, only one bad mark and that corrected after a month. other then that its pretty much been the same. I have had 4 credit cards, all but one completely paid off and I have a car loan.

[Tevenor]

@dmoffitt

PS this thread is still a huge e-penis-waving-meets-stupidity-contest.

@tevenor

Mine goes to 11

:rimshot:

[cky89]

@Tevenor

:rimshot:

LOL

[Quattro_Krant]

@Joe

Yeah, ours is even worse because we both have the middle initial A, but the A’s are different, so I’m not a junior. The only time it ever helped was that I paid car insurance as a 50-55 year old when I was 16-21 driving V8’s because they mixed us up.

Yeah, we have different middle initials, but honestly, it doesn’t seem to make much of a difference. Somehow, a lot of his mail gets sent to my house as they think he moved. How they got the address without him doing a change of address is beyone me, and it’s not just garbage mail.

@greenbull

wow ur father was as retarded as mine when naming his son after him…with the same middle initial and not making it jr, sr. (this is my brothers scenario). What a pain in the ass when people call or important letters come in the mail.

I hate it. There are what, a billion different names out there and your un imaginative ass has to give me your name, WTF??? I remember getting a platinum credit card application in my name when I was young, I want to say 15.

[ultradriver10000]

733 for a 22 y/o isn’t too shabby.

[cougarspeed]

The haters on this forum will never let me down. Way to always have something negative to say in every thread made. :bigblap:

[JayS]

@cougarspeed

The haters on this forum will never let me down. Way to always have something negative to say in every thread made. :bigblap:

I hate you for hating on the haters. So STFU.

[RobtC]

i don’t think that creditkarma site is very accurate, last i checked my score was in the 730s about a month ago, and i closed on my house 10 months ago now. no way my score is under 700 now.

[cougarspeed]

@JayS

I hate you for hating on the haters. So STFU.

SHIT!(goes and cuts in the corner) lol

[Fry]

Where’s BuickGN? We need some love in here.

[MrSmith]

Bump for a 21 y/o with a 759 2 lines of credit first is an authorized user opened 05/05 and a deferred student loan opened 11/07.
But i haz a 759 i gotz great creditZ y0 what choo mean i cant get approved???

[BuickGN]

@Fry

Where’s BuickGN? We need some love in here.

smooch to all

[Fry]

@BuickGN

smooch to all

:lol: :bigclap: :biglol:

[dmoffitt]

@JayS

I hate you for hating on the haters. So STFU.

[newman]

Just closed on my exige loan, peeped my score. was a 757. I frankly thought it would be a little higher… I just paid off my 10,000 dollar credit card tho, lol. That was probably hurting me.