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#1
Old 06-25-2012, 05:40 PM
-Kev-
Hype Beast
 
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Points: 72,446,534,321,742.58
Bank: 180,146,369,155,310.19
Total Points: 252,592,903,477,052.75
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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AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -Kev-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -Kev- 
Myasthenia Gravis - Ovarian Cancer - Sexual Assault - Substance Abuse - Ether  Aphasia - Asthma/Allergies - Brain Cancer - Brain Tumors - Diabetes - Mental Illness - Ether  Arthritis - Child Abuse - Colon Cancer - Colorectal Cancer - Dystonia - Education - Free Speech - Interstitial Cystitis - ME/CFIDS - Reye's Syndrome - Save the Music - Teens Against Smoking - Victim's Rights - Water Quality - Ether  Children with Disabilities - Parkinson's Disease - VACTERL - Young Onset Parkinson's Association - Ether  Breast Cancer - Birth Parents - Dorian 
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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Happy New Year, bro. - Libido Sanchez  Happy Holidays MAKAVELLI - !! AI-Holmes!!  have a Happy and safe New Years bro! - jose830  Happy New Year - Freedom.  Tagay para sa new year! - led* 
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Sorry for the my in the moment RED K, here is a medal. - BrushMyHair  that shit was funny bro :lol1: I literally cracked up - -jose-  Congrats on the Raiders homey! - Mike D  congrats.on your first win - -jose-  Merry Christmas -MAK - -jose- 
Happy New Year.. - !! AI-Holmes!!  Thank You for the Info - Enayze  Thanks Mak. You are a legend mate - 1lparm  you deserve an ice cream cone after that good deed - -jose-  cheers to a fellow Pac fan and all around great poster - Mike D 
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high 700, low 800s
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#3
Old 06-25-2012, 05:47 PM
-Kev-
Hype Beast
 
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Points: 72,446,534,321,742.58
Bank: 180,146,369,155,310.19
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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 
AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420- 
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AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - Dorian  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -Kev-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -Kev- 
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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-
Lords of Boxingscene
 
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Bone Marrow Donation - Childhood Depression - Depression - Environment - Eye Injury Prevention - Glaucoma - Kidney Cancer - Kidney Disease - Kidney Transplantation - Leukemia - Lyme Disease - Mental Retardation - Missing Children - Organ Donation - T - `STEELHEAD  World Trade Center Victims and Heroes - Fireworks Safety - HughJass  Anti-Tobacco - Colon Cancer - Colorectal Cancer - bigdlb12  Troop and Military Support - Amber Alert - Bladder Cancer - Endometriosis - Equality - Liver Cancer - Liver Disease - Missing Children - POW/MIA - Spina Bifida - Suicide - bigdlb12  Troop and Military Support - Amber Alert - Bladder Cancer - Endometriosis - Equality - Liver Cancer - Liver Disease - Missing Children - POW/MIA - Spina Bifida - Suicide - bigdlb12 
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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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Points: 380,113,084,162,973.12
Bank: 112,713,504,681,268,412,416.00
Total Points: 112,713,884,794,352,582,656.00
Happy New Year, bro. - Libido Sanchez  Happy Holidays MAKAVELLI - !! AI-Holmes!!  have a Happy and safe New Years bro! - jose830  Happy New Year - Freedom.  Tagay para sa new year! - led* 
Happy Holidays, bud! - jazluvr  Funniest poster on site, here's a burger - jas  Old School Thread - -jose-  From your pal, BeerBro - Beercules  damn son! you one handsome fellow! and with all do respect...Wow!!! that girl you with is Bad!!! definitely wifey material. - -jose- 
Sorry for the my in the moment RED K, here is a medal. - BrushMyHair  that shit was funny bro :lol1: I literally cracked up - -jose-  Congrats on the Raiders homey! - Mike D  congrats.on your first win - -jose-  Merry Christmas -MAK - -jose- 
Happy New Year.. - !! AI-Holmes!!  Thank You for the Info - Enayze  Thanks Mak. You are a legend mate - 1lparm  you deserve an ice cream cone after that good deed - -jose-  cheers to a fellow Pac fan and all around great poster - Mike D 
Adoptee - Bone Cancer - Child Exploitation and Abuse - Hope and Support - Peace - Retinoblastoma - Right to Life - Student Sexual Assault - S a m u r a i  Head and Neck Cancer - S a m u r a i  Alzheimer's - Crohn's & Colitis - Cystic Fibrosis - Domestic Violence - Fibromyalgia - Leimyosarcoma - Lupus - S a m u r a i  Childhood Cancer - ???  Troop and Military Support - Amber Alert - Bladder Cancer - Endometriosis - Equality - Liver Cancer - Liver Disease - Missing Children - POW/MIA - Spina Bifida - Suicide - Jim Jeffries 
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Arthritis - Child Abuse - Colon Cancer - Colorectal Cancer - Dystonia - Education - Free Speech - Interstitial Cystitis - ME/CFIDS - Reye's Syndrome - Save the Music - Teens Against Smoking - Victim's Rights - Water Quality - jazluvr  Bone Marrow Donation - Childhood Depression - Depression - Environment - Eye Injury Prevention - Glaucoma - Kidney Cancer - Kidney Disease - Kidney Transplantation - Leukemia - Lyme Disease - Mental Retardation - Missing Children - Organ Donation - T - jazluvr  Arthritis - Child Abuse - Colon Cancer - Colorectal Cancer - Dystonia - Education - Free Speech - Interstitial Cystitis - ME/CFIDS - Reye's Syndrome - Save the Music - Teens Against Smoking - Victim's Rights - Water Quality - Ether  Children with Disabilities - Parkinson's Disease - VACTERL - Young Onset Parkinson's Association - Ether  Mourning - Anti-Gang - Melanoma - jose830 
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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
 
Join Date: Dec 2006
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Posts: 24,575
Rep Power: 113 -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute -Kev- has a reputation beyond repute
Points: 72,446,534,321,742.58
Bank: 180,146,369,155,310.19
Total Points: 252,592,903,477,052.75
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 
AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420- 
AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420-  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - aye, cunts  AIDS/HIV - DARE - DUI Awareness - Epidermolysis Bullosa - Heart Disease - Lymphoma - MADD - Substance Abuse - -veteran420- 
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Myasthenia Gravis - Ovarian Cancer - Sexual Assault - Substance Abuse - Ether  Aphasia - Asthma/Allergies - Brain Cancer - Brain Tumors - Diabetes - Mental Illness - Ether  Arthritis - Child Abuse - Colon Cancer - Colorectal Cancer - Dystonia - Education - Free Speech - Interstitial Cystitis - ME/CFIDS - Reye's Syndrome - Save the Music - Teens Against Smoking - Victim's Rights - Water Quality - Ether  Children with Disabilities - Parkinson's Disease - VACTERL - Young Onset Parkinson's Association - Ether  Breast Cancer - Birth Parents - Dorian 
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Quote:
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-
deicide
 
Join Date: Aug 2008
Posts: 58,179
Rep Power: 332 -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute -MAKAVELLI- has a reputation beyond repute
Points: 380,113,084,162,973.12
Bank: 112,713,504,681,268,412,416.00
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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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#8
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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