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GabbaDj
BTH



Registered: 04/08/01
Posts: 19,679
Loc: By The Lake
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I HATE The Credit Game
#11016553 - 09/07/09 07:16 PM (14 years, 4 months ago) |
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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?
-------------------- GabbaDj FAMM.ORG
Edited by GabbaDj (09/07/09 07:24 PM)
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legallyhomeless
mooch


Registered: 07/01/05
Posts: 4,051
Loc: EZRA for the Refuge
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Re: I HATE The Credit Game [Re: GabbaDj]
#11016835 - 09/07/09 08:05 PM (14 years, 4 months ago) |
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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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420Girl
SmokerExtraordinaire

Registered: 01/20/02
Posts: 564
Loc: The Big South
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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.
-------------------- _________________________________________________ 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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DieCommie

Registered: 12/11/03
Posts: 29,258
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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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legallyhomeless
mooch


Registered: 07/01/05
Posts: 4,051
Loc: EZRA for the Refuge
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Re: I HATE The Credit Game [Re: DieCommie]
#11019536 - 09/08/09 08:17 AM (14 years, 4 months ago) |
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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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DieCommie

Registered: 12/11/03
Posts: 29,258
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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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numonkei
Back! From thedigestive tractof dave theiguana!

Registered: 04/12/06
Posts: 2,500
Loc: A Tree
Last seen: 6 years, 10 months
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Damn right.
Quit playing. Opt out.
~Monk
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legallyhomeless
mooch


Registered: 07/01/05
Posts: 4,051
Loc: EZRA for the Refuge
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how is the formula a secret? someone has to know dont you think? disgruntled employee maybe
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Download PSX ISOs
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ShockValue
Because, ShockValue.

Registered: 11/18/08
Posts: 5,097
Loc: Tipping at windmills.
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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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DieCommie

Registered: 12/11/03
Posts: 29,258
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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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ShockValue
Because, ShockValue.

Registered: 11/18/08
Posts: 5,097
Loc: Tipping at windmills.
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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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