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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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My credit report
#4750822 - 10/03/05 06:31 PM (18 years, 5 months ago) |
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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.
Edited by RandalFlagg (10/04/05 06:24 AM)
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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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Keep pulling credit reports on yourself and see how fast it drops
-------------------- 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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qhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 16 years, 6 months
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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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WeAreAllOne
Opethian
Registered: 06/25/05
Posts: 2,649
Loc: Pennsylvania
Last seen: 17 years, 11 months
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Re: My credit report [Re: qhr0me]
#4750835 - 10/03/05 06:34 PM (18 years, 5 months ago) |
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what?
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Nashbar
just strange.... on drugs
Registered: 07/16/05
Posts: 3,536
Loc: strawberry field
Last seen: 6 years, 5 months
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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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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: Liz]
#4750842 - 10/03/05 06:36 PM (18 years, 5 months ago) |
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Quote:
ifallapart said: Keep pulling credit reports on yourself and see how fast it drops
Your credit drops if you go and check it? What the fuck?
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Nashbar
just strange.... on drugs
Registered: 07/16/05
Posts: 3,536
Loc: strawberry field
Last seen: 6 years, 5 months
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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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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: qhr0me]
#4750848 - 10/03/05 06:37 PM (18 years, 5 months ago) |
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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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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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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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Catalysis
EtherealEngineer
Registered: 04/23/02
Posts: 1,742
Last seen: 15 years, 8 months
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Quote:
RandalFlagg said:
Quote:
ifallapart said: Keep pulling credit reports on yourself and see how fast it drops
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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qhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 16 years, 6 months
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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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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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Re: My credit report [Re: Nashbar]
#4750859 - 10/03/05 06:40 PM (18 years, 5 months ago) |
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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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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: Nashbar]
#4750860 - 10/03/05 06:40 PM (18 years, 5 months ago) |
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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."
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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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Re: My credit report [Re: Catalysis]
#4750863 - 10/03/05 06:41 PM (18 years, 5 months ago) |
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Quote:
Catalysis said:
Quote:
RandalFlagg said:
Quote:
ifallapart said: Keep pulling credit reports on yourself and see how fast it drops
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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Catalysis
EtherealEngineer
Registered: 04/23/02
Posts: 1,742
Last seen: 15 years, 8 months
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Re: My credit report [Re: Liz]
#4750870 - 10/03/05 06:42 PM (18 years, 5 months ago) |
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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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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: Liz]
#4750876 - 10/03/05 06:43 PM (18 years, 5 months ago) |
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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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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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Re: My credit report [Re: Catalysis]
#4750877 - 10/03/05 06:43 PM (18 years, 5 months ago) |
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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.
-------------------- 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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qhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 16 years, 6 months
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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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WeAreAllOne
Opethian
Registered: 06/25/05
Posts: 2,649
Loc: Pennsylvania
Last seen: 17 years, 11 months
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Re: My credit report [Re: Liz]
#4750890 - 10/03/05 06:46 PM (18 years, 5 months ago) |
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my credit score is 830. i just don't feel like showing you.
edit: to Randall, not ifallapart.
Edited by WeAreAllOne (10/03/05 06:47 PM)
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Quote:
WeAreAllOne said: my credit score is 830.
My ass.
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qhr0me
o = oo
Registered: 09/16/05
Posts: 203
Loc: sun diego, ca
Last seen: 16 years, 6 months
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Quote:
RandalFlagg said: Just call me Winston Smith.
By the way, I'll bet my score is higher than any other shroomerite's score.
i hate to be a party pooper, but if i were a mod, i'd delete this fucking thread. it's baiting of the worst kind.
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Catalysis
EtherealEngineer
Registered: 04/23/02
Posts: 1,742
Last seen: 15 years, 8 months
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Re: My credit report [Re: Liz]
#4750905 - 10/03/05 06:50 PM (18 years, 5 months ago) |
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For us consumers, the only categories are really the ones that subtract points and the ones that do not subtract points.
I have only been shown all categories on one report...I think it was Experian, but don't quote me. They had the banks/credit companies under one group which subtracted points and RCN cable, cingular, etc. in another group that does not get shown to anyone but you.
BTW, my score is like 680. I suck.
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Eternal1999
Stranger
Registered: 05/30/05
Posts: 161
Loc: 72574
Last seen: 16 years, 11 months
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Re: My credit report [Re: Catalysis]
#4750911 - 10/03/05 06:52 PM (18 years, 5 months ago) |
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FUCK CREDIT !!!!
-------------------- hkgm
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WeAreAllOne
Opethian
Registered: 06/25/05
Posts: 2,649
Loc: Pennsylvania
Last seen: 17 years, 11 months
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i swear.
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: qhr0me]
#4750960 - 10/03/05 07:04 PM (18 years, 5 months ago) |
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Quote:
qhr0me said:
Quote:
RandalFlagg said: Just call me Winston Smith.
By the way, I'll bet my score is higher than any other shroomerite's score.
i hate to be a party pooper, but if i were a mod, i'd delete this fucking thread. it's baiting of the worst kind.
Baiting that is done with a sense of humor is not "baiting" as is defined by the Pub forum's rules and regulations.
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Quote:
WeAreAllOne said: i swear.
That would suck if I went from 830 down to 780 because I requested my credit report.
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cateyes
Registered: 12/16/03
Posts: 2,754
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it's true randal... for one reason or another each time a credit check is done it impacts your fica score... not by much though... my credit rating was 820... i lost my home due to illness. it took some time but my credit score is currently 780. i found this out through my lawyer... hopefully i'll be able to assume another mortgage for my next home...
peace
cateyes
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eric_the_red
Registered: 02/28/03
Posts: 14,453
Loc: happy land
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mine was 810 about 2 years ago. i don't know what it is now, but it couldn't have changed much in either direction.
-------------------- Anno cock? is that some kind of Greek liqueur? -Geo's All Knowing Sex Slave
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QuantumMeltdown
Space Monkey
Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 7 months, 7 days
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Is it true that everytime you ask for a higher credit limit on your charge card they automatically turn you down? Kind of like you have to be gifted with it. I once applied for a visa and they turned me down. Then I got sent in the mail a pre-approved master card with USAA and they gave me a 10K limit and I have no credit good or bad and don't even have a job. I would like a higher limit in case of an emergency but don't want to ask. Will they just offer it to me after awhile?
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Quote:
QuantumMeltdown said: Is it true that everytime you ask for a higher credit limit on your charge card they automatically turn you down? Kind of like you have to be gifted with it. I once applied for a visa and they turned me down. Then I got sent in the mail a pre-approved master card with USAA and they gave me a 10K limit and I have no credit good or bad and don't even have a job. I would like a higher limit in case of an emergency but don't want to ask. Will they just offer it to me after awhile?
They gradually up it. They would give me $500 here and a $1000 there. When I asked for an increase once they turned me down. But, once I got my inheritance and I told them about it, they bumped my credit limit up.
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Liz
Owl Lady
Registered: 11/16/04
Posts: 6,962
Loc: Massachusetts
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one credit inquiry wouldn't do much to your score. a bunch lumped together would though. no worries
-------------------- 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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QuantumMeltdown
Space Monkey
Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 7 months, 7 days
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Is 9% a decent interest rate on charge cards?
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Quote:
QuantumMeltdown said: Is 9% a decent interest rate on charge cards?
That's not bad at all for a young'in. Shit..I'm at like 12% or so. I need to do some shopping around for a better deal.
Be careful though with credit cards. The companies try to pull little tricks on you. That 9% might only be for the first six months and then they raise it up to 20% or some shit like that.
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QuantumMeltdown
Space Monkey
Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 7 months, 7 days
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Quote:
RandalFlagg said:
Quote:
QuantumMeltdown said: Is 9% a decent interest rate on charge cards?
That's not bad at all for a young'in. Shit..I'm at like 12% or so. I need to do some shopping around for a better deal.
Be careful though with credit cards. The companies try to pull little tricks on you. That 9% might only be for the first six months and then they raise it up to 20% or some shit like that.
Yeah well they had the 6% introductory rate bullshit for like the first 4-6 mos but thats over now and it's 9 now. I made shure to read all the fine print and shit.
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
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zenmunk
King of thepickle people.
Registered: 02/01/03
Posts: 496
Last seen: 13 years, 25 days
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738 not to shabby.
-------------------- Like a meteor, like darkness, as a flickering lamp, An illusion, like hoar-frost or a bubble, Like clouds, a flash of lightning, or a dream: So is all conditioned existence to be seen. -buddha
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QuantumMeltdown
Space Monkey
Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 7 months, 7 days
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Re: My credit report [Re: zenmunk]
#4752509 - 10/03/05 11:59 PM (18 years, 5 months ago) |
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Quote:
zenmunk said: 738 not to shabby.
Sometimes credit is more important than dick size.
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
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Shroomism
Space Travellin
Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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10. I win!!!
--------------------
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daimyo
Monticello
Registered: 05/13/04
Posts: 7,751
Last seen: 12 years, 1 month
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Re: My credit report [Re: Shroomism]
#4752616 - 10/04/05 12:20 AM (18 years, 5 months ago) |
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I bet I have all your credit lines beat with what's in my...pick any pocket
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"I have sworn upon the altar of God eternal hostility against every form of tyranny over the mind of man."
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Shroomism
Space Travellin
Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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Re: My credit report [Re: daimyo]
#4752690 - 10/04/05 12:43 AM (18 years, 5 months ago) |
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I meant my cock size.. not my credit
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ultralight
fury 762 where are you?
Registered: 03/20/05
Posts: 264
Last seen: 4 months, 21 days
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Re: My credit report [Re: daimyo]
#4752691 - 10/04/05 12:43 AM (18 years, 5 months ago) |
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The link is spelled correctly, but still takes you to the fake ***cerdit**** site...
Just lettin yaw know....and my credit score is prolly negative...lol
Take care n be safe...
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The14thWarrior
The Shootist
Registered: 09/28/05
Posts: 491
Last seen: 18 years, 5 months
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Re: My credit report [Re: Liz]
#4752722 - 10/04/05 12:54 AM (18 years, 5 months ago) |
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A soft-pull doesn't affect your score. Pulls that judge creditworthiness drop it 3-6 points, depending.
I own a house, three vehicles, two dirtbikes, two fourwheelers and a large Caterpillar backhoe / bulldozer. Most of it was purchased on credit. My score probably beats Randals :P
--------------------
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goobler
Reanimated
Registered: 02/24/03
Posts: 48,909
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it's not about score its about a good working relationship with one or more leanders
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RandalFlagg
Stranger
Registered: 06/15/02
Posts: 15,608
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Re: My credit report [Re: ultralight]
#4753050 - 10/04/05 06:25 AM (18 years, 5 months ago) |
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Quote:
ultralight said: The link is spelled correctly, but still takes you to the fake ***cerdit**** site...
Just lettin yaw know....and my credit score is prolly negative...lol
Take care n be safe...
Sorry about that. I fixed it.
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