How's your FICO score? Here are ours.

[disneysteve]

I like that many credit card companies now include your credit score as a free bit of information on your monthly statement. It always annoyed me that we had to pay for that info before. Our Discover cards do it, so that's where I see it each month. Here are ours from this month's statements.

[james.hendrickson]

Thats what you call, "outstanding".

[scfr]

I'm delighted to have 812. No desire or need to have it any higher. Mortgage-free, car-loan-free, free of any installment loan of any kind, and I open & close accounts in the pursuit of credit card bonuses. I would not trade any of those for a higher score.

[disneysteve]

I'm delighted to have 812. No desire or need to have it any higher. Mortgage-free, car-loan-free, free of any installment loan of any kind, and I open & close accounts in the pursuit of credit card bonuses. I would not trade any of those for a higher score.

Certainly once you’re in the top tier, the actual number doesn’t matter. 850 doesn’t get you anything more or less than 812.

We have one last debt to pay off, our mortgage. It should be gone within a year.

[bjl584]

801 last I checked (May)

[corn18]

Mine varies from 812 to 850 on an 850 scale.

[Fishindude77]

Don't have a clue what my credit score is. Only credit we use is a couple credit cards we pay off each month.

[disneysteve]

Don't have a clue what my credit score is. Only credit we use is a couple credit cards we pay off each month.

The credit cards are the only reason I know our scores since the monthly statement lists them. I think we can also get them from our bank now but I never activated that feature.

[riverwed070707]

Feel like an underachiever on this board with my 780 score haha. My biggest hit comes from average life of credit which is something like 5.1 years. I've had credit established for about 14 years but due to taking out mortgages and refinancing which is my only debt as well as taking advantage of some CC perks by opening new cards and closing them when I'm done with them, my average is quite low. I use a free 3rd party service to monitor my score.

[msomnipotent]

Well, the simple act of trying to check my credit scores opened up a can of worms. I found out my score dropped to 815 because our refinance a few months ago is showing as a settlement and Samsung opened up a line of credit even though I canceled the purchase and the CSR said it wouldn't go through. Plus, I tried to log in to my husband's credit card and I was immediately blocked. I know I had the correct one because it is written down. Then I realize my card is not in my purse and I must have left it at Costco. Now, if your spouse sent you a text saying, "You need to call them asap because the password has been changed and my card is missing, wouldn't you think to tell the CSR to close the account and reset the password? Long story short, not my husband. And I'm surprised that the first CSR he talked to didn't think to do it, either.

[Drake3287]

It’s funny, when BofA started giving me my monthly credit score a year or so back it was 850. Every month since then it’s jumped between 820 and 850 and I’ve never understood why it fluctuates so much when NOTHING has changed with me financially. It almost seems like when my mortgage was paid off I took a little hit on it.

[disneysteve]

It’s funny, when BofA started giving me my monthly credit score a year or so back it was 850. Every month since then it’s jumped between 820 and 850 and I’ve never understood why it fluctuates so much when NOTHING has changed with me financially. It almost seems like when my mortgage was paid off I took a little hit on it.

Things change almost daily. Do you use a credit card? Do you have any debt at all? Paying off your mortgage would definitely impact your score. Charging anything to your credit card can affect your score. Paying it off also affects your score. If any companies did a credit check on you, like to send you a pre-approved CC offer, that affects your score. The algorithm includes so many factors that are ever-changing.

[cypher1]

According to CreditWise within Capitalone mine is 821, which dropped 2 points after applying for new Chase Sapphire card.

[MooseBucks]

Things change almost daily. Do you use a credit card? Do you have any debt at all? Paying off your mortgage would definitely impact your score. Charging anything to your credit card can affect your score. Paying it off also affects your score. If any companies did a credit check on you, like to send you a pre-approved CC offer, that affects your score. The algorithm includes so many factors that are ever-changing.

Pre-approved offers are soft inquires and won’t have any impact on your score. CCs also only report when they mail you a statement. It isn’t real time reporting.

[Thrif-t]

I'm 816 and my DH is 800. We don't have any debt, house or cars and we have relatively low limits on our cards. I never saw a need to have a really high limit so I requested it not go any higher than 10k on our main card. We have a couple little cards that are set to 1k. I did that before the days of being able to freeze your credit. I just didn't want to worry about anyone charging/scamming on it. I know I wouldn't be responsible for the $$, but I didn't want anybody profiting off of me either!