Reply
  • Jul 31, 2020
    CLB Wineboy

    An 800 credit score is the closest thing to having an infinity stone

    boutta get that infinity stone before i turn 21

  • Jul 31, 2020
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    1 reply
    Zach LaBeam

    682 is above average!

    not in Canada, its considered in poor. But once its past 700 its decent

  • Jul 31, 2020
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    2 replies
    MLI

    not in Canada, its considered in poor. But once its past 700 its decent

    F*** Canada

  • Jul 31, 2020
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    1 reply
    CLB Wineboy

    F*** Canada

    @ROVO

  • Jul 31, 2020
    CLB Wineboy

    F*** Canada

    F*** YOU P**** TALK OUT THE SIDE OF YOUR NECK ABOUT CANADA AGAIN AND I WILL SEND A GOOSE TO F*** YOU UP

  • Jul 31, 2020
    SlicedBread

    @ROVO

    Thank you for the heads up

  • Jul 31, 2020
    MCN

    770 and I'm annoyed it's not 769

    Mines 768

  • Jul 31, 2020
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    1 reply
    HURRY UP kiddash3r

    Never heard of this,we dont have it in Europe.
    Whats the thing with it tho?
    The higher the better?Whats it useful for?
    And is there a limit?

    For real? I never knew it was only in the US. That's fascinating.

    So that's got me curious:

    1) how do they determine whether to approve you for a mortgage/car loan/credit card?

    2) are there any negative effects of missing a loan/credit card payment since there is no credit score to be hurt by it?

  • Jul 31, 2020
    Buckleys Angel

    A lot of ppl here have a credit score but no credit

  • Jul 31, 2020
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    1 reply
    MLI

    Just checked for the first time cause of this thread, its at 682

    There are so many factors that go into a credit score, but it sounds like you have a low score simply because you're not paying attention to your credit (you don't have any credit cards). If that's true, then it's pretty simple and quick to get it up pretty fast.

  • Jul 31, 2020
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    1 reply
    myleezy

    702 because school loans mostly

    If you're missing payments on them that will def f*** you up, but simply having the loans shouldn't make you have a low score. It's not great if the loans are way higher than you're income, but it's still not going to crush your score or anything.

  • Jul 31, 2020

    Just curious cause it seems like there are so many people that have a score below 600 on here, what's the main reason?

  • Jul 31, 2020
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    1 reply
    Young D

    If you're missing payments on them that will def f*** you up, but simply having the loans shouldn't make you have a low score. It's not great if the loans are way higher than you're income, but it's still not going to crush your score or anything.

    hmmmm gotcha, it’s probably cause my credit is like 3 years old too

  • Jul 31, 2020

    400 something

  • Jul 31, 2020

    mine was at around 500 a couple of years ago. finessed the collections agency and now we movin on up boys. Will be 700+ by the end of the year.

  • Jul 31, 2020
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    1 reply
    CLB Wineboy

    How old are you

    Old enough.

  • Jul 31, 2020
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    1 reply
    Young D

    For real? I never knew it was only in the US. That's fascinating.

    So that's got me curious:

    1) how do they determine whether to approve you for a mortgage/car loan/credit card?

    2) are there any negative effects of missing a loan/credit card payment since there is no credit score to be hurt by it?

    Got this from the internet but its pretty much spot on

    Each loan application is reviewed based on your current salary, your family situation, current debts, residence status, and other factors. However, if you don't make timely payments on loans, the lender puts you in a special file that's shared by all lenders across most of Europe, and you'll have a great deal of difficulty getting a loan.”

  • I'm tumbling around 738 to 754. Never seen smywher close to 800

  • Jul 31, 2020
    Bonnie

    Old enough.

    30s for sure

  • Mmm Hmm 😆
    Jul 31, 2020

    740+

  • Jul 31, 2020

    Don’t wanna talk about it

  • Jul 31, 2020
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    1 reply
    myleezy

    hmmmm gotcha, it’s probably cause my credit is like 3 years old too

    Hmm should be higher than 702 at 3 years old

    Are the school loans the only credit you have?

  • Jul 31, 2020
    HURRY UP kiddash3r

    Got this from the internet but its pretty much spot on

    Each loan application is reviewed based on your current salary, your family situation, current debts, residence status, and other factors. However, if you don't make timely payments on loans, the lender puts you in a special file that's shared by all lenders across most of Europe, and you'll have a great deal of difficulty getting a loan.”

    Ahhh interesting. So basically it's all the information that's in a credit report in the US without the number score

  • Jul 31, 2020
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    edited
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    1 reply
    zye

    743. Started from 0 just 7 months ago so not bad I guess.

    😦 Im in the low 700's but i had a secured with a credit limit of $200 so my utilization was what f***ed me i think.

    if you dont put anything on the card does that affect your score?

  • Jul 31, 2020

    740