I'm 23 and my credit score is 741....good?

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 9 years ago '06        #41
modalee 5 heat pts
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this thread was only made to show off his credit score
 04-07-2009, 05:25 PM         #42
yungb 
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 illathruz said:
a simple way to make your credit better: if you can afford to pay for something, pay via credit card, and then pay off your bill.
This works, a.ssuming you keep your utilization ratio less than 10%.
 9 years ago '04        #43
Ph8te 
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 Kalon said:
I know the FICO score is different. But when I bought my car they told me it was 731 and they say they pulled experian. So did my insurance company.
Just remember they may have told you your Auto Enhanced FICO which is different then your "regular" FICO. At least back when I was a "credit hound" (about 1 year ago) thats how it worked.....I havent pulled FICO in some time as I havent had a need to feed the monster ;).......
 04-09-2009, 11:11 PM         #44
siccness 
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I'm 21 and I had my score as high as 790, that's because I started my credit history at 17 and tried not to mess it up, also because I work in retail banking and have a vague idea on what sort of things affect your credit score.
I have it monitored by American Express which gives me monthly updates on my score from the 3 credit reporting agencies as well as daily monitoring on inquiries. Recently it dropped to 750 because I applied for financing to buy my M5 and was declined because my credit history is not long enough (they require at least 4 years) and had to buy it with cash.

I recommend everyone to have a credit card from at least two major companies i.e. Mastercard+Discover, or Amex, or Visa, etc. because it looks good to potential lenders.
 9 years ago '06        #45
Pitts Gutta 18 heat pts18 OP
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^^^^ I have an Amex. How can I sign up instead of paying what I pay to the online services?
 04-11-2009, 11:23 AM         #46
siccness 
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 Pitts Gutta said:
^^^^ I have an Amex. How can I sign up instead of paying what I pay to the online services?
You get a free trial for a month the first time you sign up, after that you still have to pay, their service is called CreditSecure, I believe it's $12 a month. If you can afford it, it's definitely worth it. It gives you credit reports and scores from all the 3 agencies, it tells you what exactly has good and bad effect on your score specific to your history, and it alerts you everytime there is an inquiry or any sort of activity on your credit.
Here's a screenshot of mine

[pic - click to view]

 9 years ago '04        #47
Floeji 
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 MPLSallstar said:
ME ME ME ME MEEE ME MEMEME ME MEMEME~!!!!!!!

Your post just screams insecurity.

And yes thread starter your credit score is good.

JayOne of Double-Threat
Jealous?
 9 years ago '04        #48
Kalon 4 heat pts
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The one and only time I pulled my FICO which was like 2+ years ago that b***h was like 680. It's to my knowledge that when your FICO score is 700+ and you have enough income with a long enough job and credit history, you can get approved for basically anything that you want.
 04-13-2009, 12:31 AM         #49
siccness 
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 Kalon said:
The one and only time I pulled my FICO which was like 2+ years ago that b***h was like 680. It's to my knowledge that when your FICO score is 700+ and you have enough income with a long enough job and credit history, you can get approved for basically anything that you want.
True to some extent; the higher the score the more favorable the rates though.
 9 years ago '06        #50
Mr.Heismen 
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dam u can buy a brand new car for hella cheap wit scores like that
 04-15-2009, 10:24 AM         #51
WAITAMINUTE 
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Great advise here....I like this. You Keep that score upppppppppp and away.
 04-15-2009, 10:30 AM         #52
WAITAMINUTE 
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Recently it dropped to 750 because I applied for financing to buy my M5 and was declined because my credit history is not long enough (they require at least 4 years) and had to buy it with cash.

You should have taking out a loan and then paid the car off in 6 months. That would have help you with your credit score.
 9 years ago '05        #53
jdean23 
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check my site our for Credit Restoration. 100% legit...Im doing it now
 9 years ago '05        #54
Sivraj 328 heat pts328
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I'm 24 and my credit is like I say a 682
 9 years ago '04        #55
Vagnum 
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dumb question but im foreign. what is a credit score?
 9 years ago '07        #56
TheIncomparable 
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 Pitts Gutta said:
I know based on what the creditors say,its excellent credit but what would you say? Any feedback is great feedback....positive or negative. Props to you.

Experian: 737
Equifax: 737
Transunion: 741
f**k what the creditors say.. the opinion of boxden members is much more valid
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