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OfflineSse
Saṃsāra

Registered: 12/28/12
Posts: 2,769
Loc: Interdependent Co-arising
Last seen: 6 years, 8 months
Credit Question
    #18733077 - 08/20/13 04:19 PM (10 years, 5 months ago)

931 Home insurance score... 96.8% higher then anyone on credit karma.com

Is this the average starting place for a persons credit? I've never really used credit or done anything credit wise except a kohls credit card with a 300$ limit and only used that twice.

Doesn't that seems really high? Could that be a sign of fraudulence?

My score even raised from 908 to 931 from February to July. Why is this happening?


--------------------
"Springs of water welling from the fire"

"Life may seem to flee in a moment, but when the mind is freed of the veil of ignorance, and illusion that comes between the mind and the truth, life and death are only opposite sides of the same coin - "water welling from the fire."


"Within us, we carry the world of no-birth and no-death. But we never touch it, because we live only with our notions."
-Thich Nhat Hanh
instant
"Experience always goes beyond ideas"


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,372
Re: Credit Question [Re: Sse]
    #18733169 - 08/20/13 04:44 PM (10 years, 5 months ago)

Ever had any loans, utilities (heat, cable, etc.), car payments, or ANYTHING?  All that stuff matters.

With that being said, it sounds like you've always paid your bills on time and are gainfully employed.  That's why you have high credit.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflineSse
Saṃsāra

Registered: 12/28/12
Posts: 2,769
Loc: Interdependent Co-arising
Last seen: 6 years, 8 months
Re: Credit Question [Re: badchad]
    #18733185 - 08/20/13 04:47 PM (10 years, 5 months ago)

no employment, never really had a real job. No bills, no paper work, no taxes, no credit besides kohls 300$ credit card. No car, no loans, nada.

I've even deposited fake checks before, and had my account locked by checksystems for a while; but that was many years ago

I have had my social security number stolen by tweakers though, that's why I checked up on my score but the home insurance score has risen and my Transunion score has lowered in the same time period. from 734 in February to 713 in July

My autoinsurance score went from 814 to 790 in the same time period.

Vantage score 828 to 806

I wonder if this could be a sign of foul play, if I have literally not done anything in years credit wise. Financial wise too, my only incoming funds come from ebay. It's been that way for a couple years now.


Edited by Sse (08/20/13 05:21 PM)


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OfflineSse
Saṃsāra

Registered: 12/28/12
Posts: 2,769
Loc: Interdependent Co-arising
Last seen: 6 years, 8 months
Re: Credit Question [Re: Sse] * 1
    #18736642 - 08/21/13 09:50 AM (10 years, 5 months ago)

Hey if anyone is interested someone just dropped me this link

www.annualcreditreport.com.

If you want to check for fraudulence you can do it there for free once a year.


Just found out someone has a mortgage loan out in my name in 2012 and a auto loan/lease in my name from 2010


--------------------
"Springs of water welling from the fire"

"Life may seem to flee in a moment, but when the mind is freed of the veil of ignorance, and illusion that comes between the mind and the truth, life and death are only opposite sides of the same coin - "water welling from the fire."


"Within us, we carry the world of no-birth and no-death. But we never touch it, because we live only with our notions."
-Thich Nhat Hanh
instant
"Experience always goes beyond ideas"


Extras: Filter Print Post Top
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