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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
My credit report
    #4750822 - 10/03/05 08:31 PM (11 years, 2 months ago)

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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InvisibleLiz
Owl Lady
Female User Gallery

Folding@home Statistics
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
Re: My credit report [Re: RandalFlagg]
    #4750828 - 10/03/05 08:33 PM (11 years, 2 months ago)

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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Offlineqhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 9 years, 2 months
Re: My credit report [Re: RandalFlagg]
    #4750829 - 10/03/05 08:33 PM (11 years, 2 months ago)

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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OfflineWeAreAllOne
Opethian

Registered: 06/25/05
Posts: 2,649
Loc: Pennsylvania
Last seen: 10 years, 7 months
Re: My credit report [Re: qhr0me]
    #4750835 - 10/03/05 08:34 PM (11 years, 2 months ago)

what?


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OfflineNashbar
just strange.... on drugs
Male User Gallery

Registered: 07/16/05
Posts: 3,536
Loc: strawberry field
Last seen: 6 years, 10 months
Re: My credit report [Re: RandalFlagg]
    #4750837 - 10/03/05 08:35 PM (11 years, 2 months ago)

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.


--------------------
:pacman: :mushroom2:



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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
Re: My credit report [Re: Liz]
    #4750842 - 10/03/05 08:36 PM (11 years, 2 months ago)

Quote:

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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OfflineNashbar
just strange.... on drugs
Male User Gallery

Registered: 07/16/05
Posts: 3,536
Loc: strawberry field
Last seen: 6 years, 10 months
Re: My credit report [Re: RandalFlagg]
    #4750847 - 10/03/05 08:37 PM (11 years, 2 months ago)

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


--------------------
:pacman: :mushroom2:



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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
Re: My credit report [Re: qhr0me]
    #4750848 - 10/03/05 08:37 PM (11 years, 2 months ago)

Quote:

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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InvisibleLiz
Owl Lady
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Folding@home Statistics
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
Re: My credit report [Re: RandalFlagg]
    #4750851 - 10/03/05 08:38 PM (11 years, 2 months ago)

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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OfflineCatalysis
EtherealEngineer

Registered: 04/23/02
Posts: 1,742
Last seen: 8 years, 5 months
Re: My credit report [Re: RandalFlagg]
    #4750856 - 10/03/05 08:39 PM (11 years, 2 months ago)

Quote:

RandalFlagg said:
Quote:

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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Offlineqhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 9 years, 2 months
Re: My credit report [Re: WeAreAllOne]
    #4750857 - 10/03/05 08:39 PM (11 years, 2 months ago)

Quote:

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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InvisibleLiz
Owl Lady
Female User Gallery

Folding@home Statistics
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
Re: My credit report [Re: Nashbar]
    #4750859 - 10/03/05 08:40 PM (11 years, 2 months ago)

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.




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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
Re: My credit report [Re: Nashbar]
    #4750860 - 10/03/05 08:40 PM (11 years, 2 months ago)

Quote:

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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InvisibleLiz
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Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
Re: My credit report [Re: Catalysis]
    #4750863 - 10/03/05 08:41 PM (11 years, 2 months ago)

Quote:

Catalysis said:
Quote:

RandalFlagg said:
Quote:

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.




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OfflineCatalysis
EtherealEngineer

Registered: 04/23/02
Posts: 1,742
Last seen: 8 years, 5 months
Re: My credit report [Re: Liz]
    #4750870 - 10/03/05 08:42 PM (11 years, 2 months ago)

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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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
Re: My credit report [Re: Liz]
    #4750876 - 10/03/05 08:43 PM (11 years, 2 months ago)

Quote:

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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InvisibleLiz
Owl Lady
Female User Gallery

Folding@home Statistics
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
Re: My credit report [Re: Catalysis]
    #4750877 - 10/03/05 08:43 PM (11 years, 2 months ago)

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.




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Offlineqhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 9 years, 2 months
Re: My credit report [Re: RandalFlagg]
    #4750888 - 10/03/05 08:46 PM (11 years, 2 months ago)

Quote:

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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OfflineWeAreAllOne
Opethian

Registered: 06/25/05
Posts: 2,649
Loc: Pennsylvania
Last seen: 10 years, 7 months
Re: My credit report [Re: Liz]
    #4750890 - 10/03/05 08:46 PM (11 years, 2 months ago)

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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InvisibleRandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
Re: My credit report [Re: WeAreAllOne]
    #4750896 - 10/03/05 08:48 PM (11 years, 2 months ago)

Quote:

WeAreAllOne said:
my credit score is 830.




My ass.


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