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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order

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I HATE The Credit Game
    #11016553 -

It's just too messed up, too unstable and who the hell makes up this stuff..

At one point in my life, not long ago I had great credit of about 800.  I got into buying and fixing homes for sale and selling them for a profit but that went bust and I got out..

The majority of all my paid history is gone off a normal credit report, all them promises I made and paid cannot be found..?

I had to struggle when the economy went down and I had to get rid of everything just to break even real quick..




Just looked at my credit report and it's like the past 8 years have disappeared.  All of what I've done on borrowed money cannot be found..  Sure the three late payments I made on accident years ago show up on my regular report, but where is all the good stuff?

I know, I know.  Many reports are available and everything can be seen, but most creditors don't look at the deep reports, they only get the cover version and make a decision...

In my life, everyone has gotten everything I have ever borrowed plus all the interest involved and they were all paid on time..

Still, I can't figure out why the hell my credit score is now just 700..

WTF?


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GabbaDj

FAMM.ORG             

Edited by GabbaDj (09/07/09 07:24 PM)

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Re: I HATE The Credit Game [Re: GabbaDj]
    #11016835 -

where can I get my score at? Ive tried so many places and they all want a CC#

I got 1 a long ass time ago for free. I know you get like 1 a year for free but I cant find where. Mine is probably beat up too.


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Re: I HATE The Credit Game [Re: legallyhomeless]
    #11017180 -

www.freecreditreport.com

I've used it before.  I believe you can either order a full report or just get your score.  If memory serves me, I think you get one free report a year.


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_________________________________________________

Fuck this......let's go smoke a bowl.

"Weed will get you through times of no money better than money will get you through times of no weed."  --Freewheelin' Franklin

"Life is not all....flowers and sausages!"

I <heart> Joe!

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Re: I HATE The Credit Game [Re: legallyhomeless]
    #11017679 -

To get a free credit score go to http://www.creditkarma.com/; Ythan posted this site a year or so ago and it seems legit.  I use it every month.

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Re: I HATE The Credit Game [Re: DieCommie]
    #11019536 -

Thanks for that link Commie.

Mine is 718 is that low? Ive only been building my credit for 3 years

does everyone start at 700?

I have had a lot of late payments but I always pay my shit off in full


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FULLY AUTOMATIC!! 12-Pot Multi Grow Hydroponic System for Trade.


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Re: I HATE The Credit Game [Re: legallyhomeless]
    #11020662 -

I think that is not bad and not good, its in the middle.  A big thing they look at is your credit to debt ratio.  I have financed alot of things in the last two months for a move, and thus my credit score dropped almost 20 points - even though I have yet to default on anything, or even miss a payment.  It a guessing game really, their algorithm for calculating a credit score is a guarded secret.

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GabbaDJ [Re: DieCommie]
    #11020822 -

Damn right.

Quit playing. Opt out.




~Monk

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Re: GabbaDJ [Re: numonkei]
    #11023984 -

how is the formula a secret? someone has to know dont you think? disgruntled employee maybe


--------------------
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FULLY AUTOMATIC!! 12-Pot Multi Grow Hydroponic System for Trade.


Download PSX ISOs

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Re: GabbaDJ [Re: legallyhomeless]
    #11032435 -

720+ is considered excellent. 


Be careful with pulling your credit on a regular basis.  It actually lowers your score every time someone pulls your credit.


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  • When we built temples to view the stars, we knew about all 2000 of them.

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Re: GabbaDJ [Re: ShockValue]
    #11032446 -

Not every time.  Some pulls lower the score and some do not.  I forget the term, but they are separated on your credit report.  CreditKarma quires do not effect credit.

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Re: GabbaDJ [Re: DieCommie]
    #11032450 -

Good to know.

AllI I know is that when I was searching for my latest home loan going through a bunch of different providers it actually lowered my score.


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  • When we built temples to view the stars, we knew about all 2000 of them.

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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order

General Interest > Money Matters
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