Toot your horn anyone ever actually gotten an 850??
I have paid my bills all my life on time, never late.
My FICO score is 844, WTH do you have to do or who do you have to blow to get a 850!
Just curious if anyone have ever actually made that level?
My FICO score is 844, WTH do you have to do or who do you have to blow to get a 850!
Just curious if anyone have ever actually made that level?
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I bowled a 230 one time. 
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Yup, my FICO hit 850 once. But then dropped back a few mystery numbers, for unknown reasons. My score runs in the 830-840 range because they say they haven't enough mortgage information about me. Uhhh, I paid off my mortgage (years early) over a decade ago. Am completely debt-free for years, have two credit cards which I pay in full every month the same day I get the bill, and have no other expenses except taxes, insurance, and utilities. 0 -
My wife?s is 850 mine was 843 now down to 832 for using credit card for business even though it is paid off every month. 0 -
As far as I know, 847 was my highest score ever. Then again, it's not like I check my credit score monthly or anything. 0 -
Well, honestly, since I retired in 2006 I've never checked my credit score and don't care! If someone needs my credit score before they will accept cash or my personal check; I'll buy elsewhere! 0 -
Old-Colts wrote:Well, honestly, since I retired in 2006 I've never checked my credit score and don't care! If someone needs my credit score before they will accept cash or my personal check; I'll buy elsewhere!
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I don't know. Probably have hit 850. It's been in the high 800's for who knows how long. I can't say I really care. 0 -
Probably under 800. Haven't checked in a long time, though I think it was listed somewhere on the house purchase documents for some reason.
It seems like it takes a hit when you don't borrow any money and/or pay things off early.
Also, I have disputed a charge or two over the years and by not not paying until the issue is resolved the numbers drop.
I know folks say that it is important, but frankly it is much less important than a good relationship with your banker.0 -
830ish is as high as I've ever got 0 -
I don't know what my credit score is and don't give a damn. I hope it's zero. If I ever borrow any money or get a credit card I hope somebody shoots me. 0 -
Mine has been 850 and stayed there for quite some time. Last time I checked it was in the mid 840s. 0 -
When I looked at one time it was 837. Don't care anymore. 0 -
Never saw mine over 830.
Put a hold on my credit as well to keep the fraudsters at bay.
Is it possible to get over 850? Thought that was top of the crdit list.
Creditors generally like anything above 700 as credit worthy.
So yes if you scored a 850 tip of the hat to you...0 -
Been in the 840s for a number of years. Not such a big deal unless I want to borrow money. 0 -
its been 4 or 5 years we helped my son get a loan ( read our loan ) for his house my wife and I were scored 840 something I know we were not 850 but close , my wife's was 2 points higher than mine WTH the loan officer told us we had the highest scores he has ever seen come thru his office
that was the only time I heard the numbers in my life and really the last time it was checked as far as I know
I know its suppose to help ? but that score and 1.00 will get me a cup of coffee0 -
I'm shooting for a credit score A/K/A "I love being in debt score," of ZERO.
I owe no one a nickel beyond monthly expenses, and I intend to keep it that way.0 -
I bounce around between 804 and 792. I haven't bought anything on credit in 19 years. I just use credit cards and pay them off each month. Haven't paid a dime in interest in 10 years.
So on the one hand, I should be 850. The only reason I know the score is because it comes with each Discover bill.
It doesn't matter to me I had my credit frozen last year, I have no plans to borrow money.0 -
More important than just that!
Actually many of you who don't care should, it won't matter as long as it is high but your credit score isn't just about borrowing money.
We use credit scores to price Automobile insurance, it is also used by life, health and homeowners underwriters and impacts the prices you pay for things other than just borrowing money.0 -
Chuck Norris is 851. 0 -
nunn wrote:I'm shooting for a credit score A/K/A "I love being in debt score," of ZERO.
I owe no one a nickel beyond monthly expenses, and I intend to keep it that way.
+ {-}850
My score is zero. Took about 9 years to get it there, by paying cash and not owing money.
And as far as number crushing idiots that use a CR to determine insurance rates and other things, Thats BS.
All my rates are about as low as given to any of their customers.
IE... My insurance on my car, truck, RV camper is so low, people with high CR's don't believe them.
WHY??? In the last 16 years I never had a claim on any of them. No tickets either.
The insurance company cashes my direct payments like it was a birthday gift every month.
Ever hear the story Dave Ramsy tells of trying to rent office spaces??
Was refused because of no CR. So he bought the whole building with cash.0 -
GilWilson1 wrote:More important than just that!
Actually many of you who don't care should, it won't matter as long as it is high but your credit score isn't just about borrowing money.
We use credit scores to price Automobile insurance, it is also used by life, health and homeowners underwriters and impacts the prices you pay for things other than just borrowing money.
Thanks. Did not know that.
I'll be checking now.0 -
babun wrote:First of all you are not telling the truth your score is not zero.
Secondly while you may indeed have a low score and think the rates you pay are based solely on your past claims that isn't true.
We also base rates on things like your level of education. College degree is worth a few bucks off the rate, our numbers show people with good credit are less risky and people with a higher level of education are less risky so regardless of YOUR rates it isn't BS.nunn wrote:I'm shooting for a credit score A/K/A "I love being in debt score," of ZERO.
I owe no one a nickel beyond monthly expenses, and I intend to keep it that way.
+ {-}850
My score is zero. Took about 9 years to get it there, by paying cash and not owing money.
And as far as number crushing idiots that use a CR to determine insurance rates and other things, Thats BS.
All my rates are about as low as given to any of their customers.
IE... My insurance on my car, truck, RV camper is so low, people with high CR's don't believe them.
WHY??? In the last 16 years I never had a claim on any of them. No tickets either.
The insurance company cashes my direct payments like it was a birthday gift every month.
Ever hear the story Dave Ramsy tells of trying to rent office spaces??
Was refused because of no CR. So he bought the whole building with cash.
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I agree. However, I think I recall hearing that insurance rates and some other "non loan" costs were also affected by a credit score.Old-Colts wrote:Well, honestly, since I retired in 2006 I've never checked my credit score and don't care! If someone needs my credit score before they will accept cash or my personal check; I'll buy elsewhere!
Either way though, if the score is in the higher range, a couple points here and there should be irrelevant.0 -
Impact on insurance rates might be an issue for anyone that continuously shops around or changes providers. However, we don't, we stay with companies that have proven themselves and we are very happy with our rates; they have actually gone down in some cases even though we are getting OLD!WearyTraveler wrote:
I agree. However, I think I recall hearing that insurance rates and some other "non loan" costs were also affected by a credit score.Old-Colts wrote:Well, honestly, since I retired in 2006 I've never checked my credit score and don't care! If someone needs my credit score before they will accept cash or my personal check; I'll buy elsewhere!
Either way though, if the score is in the higher range, a couple points here and there should be irrelevant.0 -
There are different credit ranges. Some go as high as 900. I get mine each month from the credit cards I use & they range from just over 800 to quite a bit higher. I can't get much higher since the credit cards are the only credit I use. 0 -
Spent 2 hours looking through the manual and turning my computer all directions and still haven't found my darn horn button !
Guess I have to say no .0 -
15 years ago we bought a lakeside place and paid 1/2 december and 2nd half 2 weeks later in january for tax purposes....my credit score went from 825 to 815....??????? and have had no debt for 20 years so i really dont care about their BS score which many have found out they had inaccurate data to figure....... 0 -
It's all BS. If "they" knew how much some folks have buried in the backyard, there would need to be some 899's. 0 -
Mobuck wrote:It's all BS. If "they" knew how much some folks have buried in the backyard, there would need to be some 899's.
+899
Total BS
If you get enuff sheeople to believe something , it must be "true".
There a a few different "credit" departments.
Equifax has many {like me} listed at zero.
Another may have a start number of 300.
Another may say NO history.
If you want pull up ALL the reports. You will see all different numbers.
Ain't that strange???? Same person, same life style, same payments.
But different ratings!!!!
Years ago, My wife went for a lapband operation. Now she worked in the hospital that would do the surgery.
The financial department ran her income. credit rating, employment history.
Came up with a number of about $14,000.
The two doctors {she knew them} told her to come in with $8,000 cash and forget about
the rest.
It sure was a good thing she had a "GOOD CREDIT RATING".
I refuse to pray at the alter of Fico.0 -
Younger folks should pay attention, I guess.
Know a young man who saved close to $ 100,000.00 for the purchase of a house.
Wanted to buy one that listed for around $ 250,000.00.
The story I heard was that no bank would loan him the additional $ 170,000.00 because he had no credit history.
Lesson? Live within your means, borrow nothing, pay with cash, save so you can put 40% down on a house in order to begin growing equity, and get slapped down by the system.
It is what it is, which is why I still believe a good relationship with your banker is better than a pat on the head from Equifax.0
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