I just checked my credit report and score for Experian[or whatever it's called] and it says i'm at low risk, and in the green, it says excellent. I won't give my score, but I thought I would have a terrible score, and it's actually pretty good. Still gotta get it up though. And the other two, i'm basically the same with all 3 credit bureaus. I'm at ease now, I was stressed out about my credit history for nothing.
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Do you guys have good credit?
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Originally posted by -Kev- View PostYou're good, better than me and better than average. The average score is 723 in the U.S.
in my early 20s, it hovered around the high 600s...i never understood it...i always paid my bills on time and all of it...my credit cards, if i spent a grand that month, i paid a grand...credit stayed the same
then later on, i stopped doin the full payments and would just consistently dish out $300-400 payments and boom, credit score goes up
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Originally posted by -MAKAVELLI- View Postin my early 20s, it hovered around the high 600s...i never understood it...i always paid my bills on time and all of it...my credit cards, if i spent a grand that month, i paid a grand...credit stayed the same
then later on, i stopped doin the full payments and would just consistently dish out $300-400 payments and boom, credit score goes up
A friend of mine who works for AT&T told me companies actually don't like when payments are made quickly, because they want the interest to build up.
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Originally posted by -Kev- View PostSo the more you waited to pay, the better your score got when you did actually pay it?
A friend of mine who works for AT&T told me companies actually don't like when payments are made quickly, because they want the interest to build up.
i'm far from a credit expert but that's what i think it was...apparently, consistent payments of $300-400 every month shows more to credit bureaus than a payment of $1000 then no charges the next month
basically, i was buying credit by gaining interest
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Originally posted by -Kev- View PostSo the more you waited to pay, the better your score got when you did actually pay it?
A friend of mine who works for AT&T told me companies actually don't like when payments are made quickly, because they want the interest to build up.
My credit score is in the 700's(this week ).
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My mom used my name to get a credit card when I was like 8 and never paid it..
So no, I don't have good credit.
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