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My credit report
    #4750822 -

I went to www.freecreditreport.com and got my credit report

I got a 780 out of 830 (830 out of 830 is perfect).  I'll bet I have every single one of you beat.



:smirk:

Edited by RandalFlagg (10/04/05 08:24 AM)

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Re: My credit report [Re: RandalFlagg]
    #4750828 -

Keep pulling credit reports on yourself and see how fast it drops :tongue:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: My credit report [Re: RandalFlagg]
    #4750829 -

see that freecerditreport in the link you're pointing to?

that's a fake site and i hope to gawd you didn't put your ssn in there!

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Re: My credit report [Re: qhr0me]
    #4750835 -

what?

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Re: My credit report [Re: RandalFlagg]
    #4750837 -

I only got 720, when my credit card company checked it. They wouldn't raise my limit so I told them to fuck themselves and got a new card with more credit than I could possibly spend.

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Re: My credit report [Re: Liz]
    #4750842 -

ifallapart said:
Keep pulling credit reports on yourself and see how fast it drops :tongue:


Your credit drops if you go and check it?  What the fuck?

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Re: My credit report [Re: RandalFlagg]
    #4750847 -

it drops if you request an increase in your limit too. It drops for just about any reason a creditor can think of.

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Re: My credit report [Re: qhr0me]
    #4750848 -

qhr0me said:
see that freecerditreport in the link you're pointing to?

that's a fake site and i hope to gawd you didn't put your ssn in there!


I accidentally mispelled it. I went back and edited it.

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Re: My credit report [Re: RandalFlagg]
    #4750851 -

Yeah. Unless you go to experian, transunion, or equifax (the 3 bureaus) directly for a credit report, it goes on your credit as an "inquiry" and too many of those drop your score.

The logic behind that, is that you may be applying for/incurring a lot of new debt (and possibly getting in way over your head) so most lending institutions view that as a raised risk.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: My credit report [Re: RandalFlagg]
    #4750856 -

RandalFlagg said:
ifallapart said:
Keep pulling credit reports on yourself and see how fast it drops :tongue:


Your credit drops if you go and check it?  What the fuck?


Nah, only if its a bank or lending agency.


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Re: My credit report [Re: WeAreAllOne]
    #4750857 -

WeAreAllOne said:
what?


the link points to freecerditreport.com not the freecreditreport.com which is (one would hope) the official experian site, even tho i wouldn't trust that either. i'd prefer to go straight into experian.com and take it from there.

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Re: My credit report [Re: Nashbar]
    #4750859 -

The actual reason it drops when you ask to increase your credit is because the credit card company pulls a credit report on you....an inquiry. There's no magical drop just for requesting the increase.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


Extras: Filter Print Post Top
Re: My credit report [Re: Nashbar]
    #4750860 -

Nashbar said:
I only got 720, when my credit card company checked it.  They wouldn't raise my limit so I told them to fuck themselves and got a new card with  more credit than I could possibly spend.


My company tries to fuck with me sometimes too (raise my interest rate, etc..).  I just threaten to leave and they start kissing my ass.  "Mr. Randal, you are a great customer and we will do anything to keep you."  :smirk:

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Re: My credit report [Re: Catalysis]
    #4750863 -

Catalysis said:
RandalFlagg said:
ifallapart said:
Keep pulling credit reports on yourself and see how fast it drops :tongue:


Your credit drops if you go and check it?  What the fuck?


Nah, only if its a bank or lending agency.


Untrue.  If you apply for a cell phone, it pulls it...insurance companys ... they pull it too.  Pretty much everything shows up on your credit nowadays.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


Extras: Filter Print Post Top
Re: My credit report [Re: Liz]
    #4750870 -

There are different ways to look at a credit report. If you subscribe to comcast cable, they look at your credit report but they don't lend money so their "hit" goes under a different category and does not subtract points. If you are shopping for a mortgage, every hit lowers your score for a month or so.

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Re: My credit report [Re: Liz]
    #4750876 -

ifallapart said:
Pretty much everything shows up on your credit nowadays.


Just call me Winston Smith.

By the way, I'll bet my score is higher than any other shroomerite's score.

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Re: My credit report [Re: Catalysis]
    #4750877 -

I review about 25-50 credit reports per day...and I've never once, in my 5 years as an underwriter, see different "categories" of inquiries on your credit.  :shrug:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


Extras: Filter Print Post Top
Re: My credit report [Re: RandalFlagg]
    #4750888 -

RandalFlagg said:
I accidentally mispelled it. I went back and edited it.


i don't see the corrected link... still pointing to that bullshit site. again, i would never get my credit report unless i go straight through experian.com (or the other two credit reporting agencies).

i would never ever put my info (and especially ssn) into any other bullshit getyourfreecreditreport and we'll own you for life type of sites.

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Re: My credit report [Re: Liz]
    #4750890 -

my credit score is 830.
i just don't feel like showing you.


edit:  to Randall, not ifallapart.  :thumbup:

Edited by WeAreAllOne (10/03/05 08:47 PM)

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Re: My credit report [Re: WeAreAllOne]
    #4750896 -

WeAreAllOne said:
my credit score is 830.


My ass.

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