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Tater

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A few years ago, my wife had a 902 and I had a 897. Then, life took a shit on me/us. I'm in the 700's now, but there is a Federal judge and Dept. of Labor involved now to hopefully straighten it out.
 

truthbedamned

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A few years ago, my wife had a 902 and I had a 897. Then, life took a shit on me/us. I'm in the 700's now, but there is a Federal judge and Dept. of Labor involved now to hopefully straighten it out.
My belief was is that 850 was as high as you can go. I guess some auto dealers have scores ranked in the 900's????????
 

HawkBear

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My belief was is that 850 was as high as you can go. I guess some auto dealers have scores ranked in the 900's????????
I’ve never seen a 900. We use TransUnion at work though. Experian/Equifax May go that high tho although I doubt it
 

Tater

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I wish I could remember which of the big three we checked, but I was pretty shocked when
I saw it. My wife had bad credit before we married and I "lectured" her on it and she's was great at paying things off/down.
Oh well, it's gone now.
 

Grimson

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Lol at 900 credit score. Stop lying. You have to have an absolute pristine record with zero late payments for a looooong time to even have a chance at 850 which is the highest FICO goes.
 

Tater

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Lol at 900 credit score. Stop lying. You have to have an absolute pristine record with zero late payments for a looooong time to even have a chance at 850 which is the highest FICO goes.
Whatever you say grain brain.

https://www.experian.com/blogs/ask-experian/what-is-a-perfect-credit-score/

"But many, many scoring models exist, with different score ranges and measures of perfection that differ with their numerical scales. For instance, the first two versions of the VantageScore model, VantageScore 1.0 and 2.0, use a scale of 501 to 990, so 990 is their perfect ideal.
FICO also offers specialized industry scores, the FICO Auto Score (fine-tuned to predict failure or success at repaying a car loan) and the FICO Bankcard Score (tailored to predict chances of failing to pay credit card bills). Each score is calculated differently, but both share a score range of 250 to 900, so perfection for each is a score of 900."



https://www.credit.com/credit-scores/what-is-a-good-credit-score/

FICO® and VantageScore aren’t the only credit scoring models. They are though the most commonly used models and the models used by the major credit bureaus—Experian, Equifax and TransUnion. Although Experian also has its own scoring model called Experian PLUS and other models exist. Here’s a look at some of the other scoring models and the ranges they use.

  • VantageScore versions 1.0 and 2.0: 501–990
  • Experian’s PLUS score: 330–830
  • TransUnion New Account score of: 300–850
  • Equifax credit score:280–850

Some lenders even have their own models. But, most lenders and credit card companies use FICO® scores or VantageScore scores. Learn more about how VantageScore scores compare to FICO® scores.
 

Grimson

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Whatever you say grain brain.

https://www.experian.com/blogs/ask-experian/what-is-a-perfect-credit-score/

"But many, many scoring models exist, with different score ranges and measures of perfection that differ with their numerical scales. For instance, the first two versions of the VantageScore model, VantageScore 1.0 and 2.0, use a scale of 501 to 990, so 990 is their perfect ideal.
FICO also offers specialized industry scores, the FICO Auto Score (fine-tuned to predict failure or success at repaying a car loan) and the FICO Bankcard Score (tailored to predict chances of failing to pay credit card bills). Each score is calculated differently, but both share a score range of 250 to 900, so perfection for each is a score of 900."



https://www.credit.com/credit-scores/what-is-a-good-credit-score/

FICO® and VantageScore aren’t the only credit scoring models. They are though the most commonly used models and the models used by the major credit bureaus—Experian, Equifax and TransUnion. Although Experian also has its own scoring model called Experian PLUS and other models exist. Here’s a look at some of the other scoring models and the ranges they use.

  • VantageScore versions 1.0 and 2.0: 501–990
  • Experian’s PLUS score: 330–830
  • TransUnion New Account score of: 300–850
  • Equifax credit score:280–850
Some lenders even have their own models. But, most lenders and credit card companies use FICO® scores or VantageScore scores. Learn more about how VantageScore scores compare to FICO® scores.
LITERALLY NO ONE USES THAT.... IRRELEVANT.
 

HawkBear

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Whatever you say grain brain.

https://www.experian.com/blogs/ask-experian/what-is-a-perfect-credit-score/

"But many, many scoring models exist, with different score ranges and measures of perfection that differ with their numerical scales. For instance, the first two versions of the VantageScore model, VantageScore 1.0 and 2.0, use a scale of 501 to 990, so 990 is their perfect ideal.
FICO also offers specialized industry scores, the FICO Auto Score (fine-tuned to predict failure or success at repaying a car loan) and the FICO Bankcard Score (tailored to predict chances of failing to pay credit card bills). Each score is calculated differently, but both share a score range of 250 to 900, so perfection for each is a score of 900."



https://www.credit.com/credit-scores/what-is-a-good-credit-score/

FICO® and VantageScore aren’t the only credit scoring models. They are though the most commonly used models and the models used by the major credit bureaus—Experian, Equifax and TransUnion. Although Experian also has its own scoring model called Experian PLUS and other models exist. Here’s a look at some of the other scoring models and the ranges they use.

  • VantageScore versions 1.0 and 2.0: 501–990
  • Experian’s PLUS score: 330–830
  • TransUnion New Account score of: 300–850
  • Equifax credit score:280–850
Some lenders even have their own models. But, most lenders and credit card companies use FICO® scores or VantageScore scores. Learn more about how VantageScore scores compare to FICO® scores.
Weird, I just looked at an account and this guy has an +876 through TransUnion. End of the day, who gives a shit. If you're in the 800s, you're good. Capture.PNG
 

ijustposthere

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The reality is that if you are in your 60's your credit score had better be in the 800's or it means you are not very financially responsible. I absolutely trashed my FICO in my 20's and had to file bankruptcy. Tough pill to swallow. After that I just simply made sure I was never late on any type of payment I had and the rest took care of itself. As you get older and continue to be responsible and not bury yourself in debt the credit score grows on it's own.

Pretty simple concept. Pay your bills. Don't buy things you can not afford.
I still have a bankruptcy on mine and my credit score is in the 720s. It wasn't hard to rebuild honestly.

I look at credit scores for people on the regular for work - lowest I've ever seen was +357 lol.
Yeah, someone at work told me his was around that low. I was like, dude, just file bankruptcy and get it over with lol.
 

HeHateMe

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Thanks.
 

SilenceS

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I dont check my credit score often but saw a big drop. I got two creditors charging me for doctors bills. I disputed it and won both cases. I was like I just spent over 5000 dollars on medical bills for my back. Do you think I would have drawn the line at a 43 dollar bill and 86 dollar bill? I never received anything from the doctor or the creditor.

They took it off. Its crazy how random shit can pop up on there.
 

HawkBear

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I dont check my credit score often but saw a big drop. I got two creditors charging me for doctors bills. I disputed it and won both cases. I was like I just spent over 5000 dollars on medical bills for my back. Do you think I would have drawn the line at a 43 dollar bill and 86 dollar bill? I never received anything from the doctor or the creditor.

They took it off. Its crazy how random shit can pop up on there.
Yup, literally the only reason I check mine every 6 months.
 

TL1961

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I dont check my credit score often but saw a big drop. I got two creditors charging me for doctors bills. I disputed it and won both cases. I was like I just spent over 5000 dollars on medical bills for my back. Do you think I would have drawn the line at a 43 dollar bill and 86 dollar bill? I never received anything from the doctor or the creditor.

They took it off. Its crazy how random shit can pop up on there.
Often it is medical just as you said because people wait to know their portion and things get effed up.

People reviewing should have sense enough to know a $44 med bill unpaid is different than default on a loan. But they may not.
 

Ares

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Relevant story.

My Mom and Dad were divorced when I was 11.

Divorce agreement had provisions for who would cover what % of various child expenses.

Medical bills were in that agreement, I don't know the exact agreement.

When I was a teenager I had medical bills that they would throw back and forth.

I turn 18, have a bill, and they start throwing it back and forth and no one pays it.

I graduate from college... 22 years old, start working for TransUnion, and find collections on my credit report.

Fucking idiots didn't pay the bills so they wound up in collections on my credit report.

I paid the collections and got it handled.... fucking retard Boomer parents.

They both told me "Don't check your credit score, that lowers it!!!!"

A Hard Inquiry can lower your score.... not the same as just checking your score/data using a service like Credit Karma or True Credit.

I figured that out in 30 minutes.... 60 years later they don't know how it works.
 

Scoot26

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Relevant story.

My Mom and Dad were divorced when I was 11.

Divorce agreement had provisions for who would cover what % of various child expenses.

Medical bills were in that agreement, I don't know the exact agreement.

When I was a teenager I had medical bills that they would throw back and forth.

I turn 18, have a bill, and they start throwing it back and forth and no one pays it.

I graduate from college... 22 years old, start working for TransUnion, and find collections on my credit report.

Fucking idiots didn't pay the bills so they wound up in collections on my credit report.

I paid the collections and got it handled.... fucking retard Boomer parents.

They both told me "Don't check your credit score, that lowers it!!!!"

A Hard Inquiry can lower your score.... not the same as just checking your score/data using a service like Credit Karma or True Credit.

I figured that out in 30 minutes.... 60 years later they don't know how it works.
Seems legit.
 

Net Neutrality

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I have never paid much attention to my FICO score, but knew I was in the 800-805 range. Checked today and looks like I’m up to 832. Fine but wtf. Not doing anything different. The credit gods must love me.
LMAO THAT SCORE IS HORRIBLE. THAT'S WHAT HAPPENS WHEN YOU WASTE YOUR MONEY ON A DISGUSTING TOSHIBA TV. I HAD A TOSHIBA TV ONCE AND IT SET MY HOUSE ON FIRE BUT I'M RICH SO I JUST BOUGHT A NEW HOUSE. BUT NOT EVERYONE HAS THAT LUXURY. TOSHIBA IS FUCKING TRASH!!! 😂😂😂
 

Scoot26

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LMAO THAT SCORE IS HORRIBLE. THAT'S WHAT HAPPENS WHEN YOU WASTE YOUR MONEY ON A DISGUSTING TOSHIBA TV. I HAD A TOSHIBA TV ONCE AND IT SET MY HOUSE ON FIRE BUT I'M RICH SO I JUST BOUGHT A NEW HOUSE. BUT NOT EVERYONE HAS THAT LUXURY. TOSHIBA IS FUCKING TRASH!!! 😂😂😂
I'm sorry, but this has nothing to do with Net Neutrality.
 
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