What's your credit score?

[gekkoplus]

I don't know my latest FICO score, but I tried a couple of free ones with Prosper and CreditKarma which I suppose are good indicators of where I stand. I am on a highest grade AA with Prosper and 853 with CreditKarma. (0-950 scale).

What's your score?

[buzz]

Originally Posted by gekkoplus

I don't know my latest FICO score, but I tried a couple of free ones with Prosper and CreditKarma which I suppose are good indicators of where I stand. I am on a highest grade AA with Prosper and 853 with CreditKarma. (0-950 scale).

What's your score?

Try this: The FICO® Score Estimator

It will give you about a 50 point range, but it is more usefull than those silly "FAKO" scores you listed.

[project15]

about 750 on all 3 reports. My only negative was length of credit since I've only had a CC for 4 years.

[Snave]

We just financed the house, so I know ours. I was 740ish and my wife was 765 or so. I am going to have to take this up with her b/c she actually is the one that pays the bills, etc... So, how I am down and am the one with the job and she has no income, I don't know. Heck, I remember a few years ago when we were engaged and getting a car, it was better if I handled the whole thing b/c she didn't have that much credit.

[Ima saver]

Mine was 817 the last time I pulled it.

[flatrock]

Last time mine was pulled was 805.

[Ima saver]

Good score!

[myrdale]

Back in May mine were:
Equifax 655
Experian 697
Transunion 724

What hurt me so bad is my lack of history. But this comes with time. I will be checking again in May with myFICO - FICO Credit Scores | Get a Free Credit Report Online . They cost about $40 at the time but I liked it.

This year I am hoping all three scores will be 725 to 750. I keep everything in good order, we will see.

[disneysteve]

About 800 last time I checked several months ago.

[safari]

My current score is 764, which is pretty good considering:

1. I opened 4 new credit cards in the last 4 months.
2. I owe over $135K total on multiple cards.
3. On 3 cards I am using over 90% of available credit line.

2 months ago my score was 771, so it looks like it didn't go down too much. I expected more of a hit.

[Snowgirl]

803 last time I checked (January).

[Dinadur]

720ish but that is only because I am too young to have built up a higher score.

[LancerSEguy]

762 longest credit history of 6 years, paid of over 15k in debt this year, paid off a 30k car, and purchased another 33k car and 24 yrs old, hope to make it up in the 780s this year as long as everything stays on track.

[Thrif-t]

Originally Posted by buzz

Try this: The FICO® Score Estimator

It will give you about a 50 point range, but it is more usefull than those silly "FAKO" scores you listed.

Hey thanks for that it said mine is somewhere between 765-815. I figured it was good always wanted to know but just never gotten around to ordering it.

[money2008]

What is the best way of checking the credit score ? I know there are free offers but involve hassles like opening a new account etc.

Thanks

[buzz]

FICO scores are a proprietary product of Fair Isaac Co., and the only way to obtain one is through them. Go to myfico.com for details. You will have to go through the hassle of opening an account. Sorry.

Why would you want to make your private financial details available to anyone else?

[disneysteve]

Originally Posted by buzz

FICO scores are a proprietary product of Fair Isaac Co., and the only way to obtain one is through them. Go to myfico.com for details. You will have to go through the hassle of opening an account. Sorry.

Why would you want to make your private financial details available to anyone else?

I know a lot of people get their score by signing up for some credit monitoring service that is free for the first month. They get their score and then cancel the service before the free trial period ends so it doesn't cost them anything. Personally, I think that's too much trouble. I'd rather spend the few bucks and get the score straight from myfico.com.

[jodi]

The FICO estimator put my score at 715-765, but last time I checked it was in the 770s. Since we're not applying for any credit in the forseeable future (hopefully 3+ years before we need a new car), it's not worth the hassle for me to check to get an exact number. I know I haven't missed any payments since then, but it may have gone down since I opened a cc with Lowe's last summer for a remodel.

[docstudent]

My FICO score is a 742, anything above 700, will get you a good rate. There is not a major distinction between a 720 and 800, from what I have been told by financial experts. Do not miss any payments, and keep a healthy balance between available and used credit. I have access to about $40,000 in available credit and I have a balance of $3,000.

[safari]

Originally Posted by docstudent

My FICO score is a 742, anything above 700, will get you a good rate. There is not a major distinction between a 720 and 800, from what I have been told by financial experts. Do not miss any payments, and keep a healthy balance between available and used credit. I have access to about $40,000 in available credit and I have a balance of $3,000.

It depends on the type of the loan that you're applying for. For example, you can usually get the best rate on a 30 year fixed mortgage, if your FICO score is above 760. For a HELOC, your score needs to be above 740. And for a car loan, 720 is good enough. I am subscribed to Equifax Score Watch, which tracks my credit score over time, and it also shows what interest rates I can get with my score. I made some screen shots showing different score ranges and the corresponding average national interest rates for different types of loans, which you may find interesting.

30-year fixed mortgage


$50K HELOC


36 month car loan