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#1
Old 06-25-2012, 05:40 PM
-Kev-
Hype Beast
 
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fresh one, for a smoothy! - negged  thx m8! heres another good fruit for your smoothy - negged  Here's for the 15K bro. - led*  One more. Just don't tell your mom. - led*  Early birthday shout. Have a great one, bro. - Libido Sanchez 
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Default Do you guys have good credit?

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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#2
Old 06-25-2012, 05:43 PM
-MAKAVELLI-
deicide
 
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high 700, low 800s
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#3
Old 06-25-2012, 05:47 PM
-Kev-
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fresh one, for a smoothy! - negged  thx m8! heres another good fruit for your smoothy - negged  Here's for the 15K bro. - led*  One more. Just don't tell your mom. - led*  Early birthday shout. Have a great one, bro. - Libido Sanchez 
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Originally Posted by -MAKAVELLI- View Post
high 700, low 800s
You're good, better than me and better than average. The average score is 723 in the U.S.
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#4
Old 06-25-2012, 05:50 PM
-jose-
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I'm working on my second investment property so yes...
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#5
Old 06-25-2012, 05:51 PM
-MAKAVELLI-
deicide
 
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Originally Posted by -Kev- View Post
You'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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#6
Old 06-25-2012, 06:10 PM
-Kev-
Hype Beast
 
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fresh one, for a smoothy! - negged  thx m8! heres another good fruit for your smoothy - negged  Here's for the 15K bro. - led*  One more. Just don't tell your mom. - led*  Early birthday shout. Have a great one, bro. - Libido Sanchez 
Best of the best - BoxingGenius27  Merry Christmas and Happy New Year - Freedom.  Happy Holidays -Kev- - !! AI-Holmes!!  Merry Christmas Kev. Surround yourself with your loved ones and have a cold one. - deanrw  B-day - -Mustang- 
mighty parallelogram for your birthday - Jack Napier  Kristen Kreuk will jump out of this cake - Jack Napier  happy birthday. - Terrel  Have a great one - led*  Happy New Year sweetheart! - Lorily 
Lol @ image. - FeFist  Long Island Iced Tea! - Dorian  Parallelogram - Spray_resistant  lol - -jose-  <3 u bro - sugarsmosley 
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Originally Posted by -MAKAVELLI- View Post
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
So 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.
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#7
Old 06-25-2012, 06:19 PM
-MAKAVELLI-
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Originally Posted by -Kev- View Post
So 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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Old 06-25-2012, 06:21 PM
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Originally Posted by -Kev- View Post
So 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.
Seems to help your credit when you make the minimum payment which is strange.

My credit score is in the 700's(this week ).
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Old 06-25-2012, 06:24 PM
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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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Old 06-25-2012, 06:34 PM
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Originally Posted by ~Big Smoke~ View Post
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.
You're kidding?
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