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I love that movie.
I love that movie.
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770, last I checked.
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735. Not bad for being fresh out of college with 2k in credit card debt (I know I know) and 15k in student loans.
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Over 9000! Er... 800 when I checked the other day.
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685 or so. Stupid doctors.... I swear to God I will cut you...
a check when I find the time and money.
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@failurate: lol! awesome. & i feel your pain. it sucks b/c doctors/hospitals are some of the worst billers out there, but they get preferential treatment on the reports. many people don't even know they owe a bill until they go to buy a car or a house & find out their credit's shot by hospital bills they never received.
@wcnghj: good advice, but PFDs are hard to get these days. creditors can get in big trouble for deleting tradelines they know to be accurate in exchange for payment.
Paying a collection will not help your score! Only if you agree for a PFD(pay for delete) will it help.
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i must vote, i cant vote, i must vote aaarrgghhh.
Oh The Ice Storm, if there's one thing you taught us, it's that christina ricci could still be hot in a Richard Nixon mask.
Also, Voting seems broken in my Safari.
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The only credit report I can access is from Experian, so I have no idea what my credit score is :/
@PittDragon: I just paid them $6 to tell me absolutely nothing. What a great business model they have there.
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@failurate: 785. 23 no CC debt, no student loan debt from undergrad, just added $3000 in post grad student loan debt, $7700 car loan debt. Not too shabby. I get free fico monitoring and score updates with my Providian, I means Washington Mutual, I mean J.P. Morgan/Chase Democratic Party Visa Card.
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745-755. last pulled about a month ago.
724 according to creditkarma, with a $20,000 car loan, $10,000 college debt, and $15,000 in credit cards.
So I think I'm doing pretty good.
772 as of July 12, 2008. Almost 21...
@Sam2k: Good god man. Do you have loans or a dozen credit cards?
I have easily $10,000+ in credit lines, haven't applied for a card in almost a year, always pay on-time, and normally utilize less than 25% of my card limits per month, and my FICO is only ~750ish. I have no loans, though.
@blackmage439: I have 2 credit cards personally as well as utilities in my name. I also have cards on about 5 of my parents' accounts. My personal credit lines are 16,000 and my parents' are 50k+. All cards are paid off in full each month.
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I think it makes perfect sense that the vast majority of Consumerist readers have 700+ FICO scores (way higher than national averager). Anyone who would take the time to read a personal finance + consumer blog daily is making the effort to be responsible. Yaahh Us!
I'm 22 with a score of 740. Boo-yah!
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826, but I don't owe anyone a dime.
I don't have revolving credit, so they lump me in the \"we don't know if you're good or bad\" FICO range.
436 :( I was really dumb when I was younger, and now i'm paying for it now.
783
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759, apparently, says CreditKarma. Apparently 760 would put me in the \"best rank\" for loan rates, etc. But I'm not worried because I'm not in the market for loans. :)
758 according to creditkarma.
24, 0 credit card debt, ~$17k in student loans.
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755. I love my credit union (PSECU); I get my score for free once a month.
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786
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Bugger. Logged into CreditKarma and saw my old score - 813, updated it and it went down to 773. Probably due to account closures by different companies. Can't think of any bad things I'd have on there, especially since I checked my free reports recently and saw nothing.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-439678-100x100.png\")
My credit score is: [fraud alert] because my car was broken into and stuff was stolen. I didn't know exactly what was stolen so I froze everything.
@snowburnt: Oh, I wonder if that's why mine seemed a little low to me. I had my wallet stolen last month so I've had everything frozen and reissued.
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790, and my wife is 795. Our first home is in escrow right now, and we just locked in a 30-yr fixed rate of 4.875%. No credit card debt right now (we pay off every month somehow, and are making sure we don't touch credit while in escrow), no car payments the last three or four years and, of course, a little help from the consumerist!
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715 according to CreditKarma:
- 22 years old
- ~$2500 in student loans
- ~$19,000 in revolving debt (lost my job at one point, and was living in England for 6 months which also killed me... don't get on my case about it, though, I pay $800/month towards it)
- ~$17,500 auto loan
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My WaMu-formerly Providian card gives me my score every month.
Last month, I paid off my student loan (yay! only took 9.5 years!) and my score actually dropped 30 points. I don't get it. I was expecting a jump.
The current voting results are what I was expecting. Seems most of the people vieing consumerist are somewhat financially responsible. Perhaps not some of the people being posted about, but those viewing at least. People with poor credit probably aren't savy enough to look for or even think of using a site like this.
@ckaught78: It's tough to say that when people with a score of 600-700 can't even vote because the option was left out...
Wow. Not only is the poll missing the most likely FICO range, but there are 2 Monster Cable ads on the page. Boo!
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673 on CreditKarma for me. Not bad considering I've only had a car loan for 3 months and a credit card I never use.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-16098-100x100.png\")
785 as of yesterday
Mine is 768 according to creditkarma.
35 years old, lots of debt (mortgage, lots of CC debt, huge student loans)
I guess payment history is everything--mine is stellar.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-76955-100x100.png\")
Over 800, no debt except mortgages (plural we've got investments too).
This poll is far from scientific. Fico scores only come from Fair Isaac, and each person has three of them. So which of the three do you want?
Also, scores gotten elsewhere are NOT ficos, use different algorithms, and correlate in NO way to FICO scores. So someone with a Credit Karma score of 700 may just have a real FICO of 600. Thus skewing your results.
@jsboehm79: Experian goes to 11. I mean 990. So, it's essentially useless in a FICO measuring contest.
Ok... so...
Experian - 633
Equifax - 676
TranUnion - 693
How do I get them all up to the top one?
Am I the only person who doesn't know their FICO score and doesn't care? Unless you're applying for a loan, is there really a need to know your score?
@HooFoot: If you are not looking for a loan, your score probably isn't important. But, it's probably still a good idea to keep track of your credit record, to watch for shenanigans and what not.
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I can't resist using the time-honored complaint of \"THIS POLL NEEDS MORE OPTIONS.\"
That said, I seem to recall mine being in the high 600s or low 700s.
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Is this the thread where I get to tell everyone my credit score is higher than everyone elses?
'Cause mine is eleventy billion million skillion and one.
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Does anyone check how these pages look in Safari? Because polls don't even render the VOTE button. Ugh.
770 last i checked.. but im scared to check now as i co-signed for a car loan for the wife that will end up around 13k.
Ive worked so hard to get it high.. if that car loan crapped out my FICO score im going to cry myself to sleep. So i just dont check.
Mines, 752... not bad for a college kid, right? Now I need to find out if my credit is better than my parents....... that would be a good christmas present :)
I'm 24 and have a score of 750. But I'm really curious why it's only 750. I have three cards (two I use) with zero credit card debt on both. I pay the balances in full every month. Back when I was dumb and in college, I did manage to miss one payment by a day on my Citi card, but that was 4 years ago. Don't have any student loans or other loans. I might have to buy the full report from the three credit agencies to see what the deal is.
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765 Yay - I think that's good for 24. . .
is it?
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Where is 600-700?
697, 677 and 718 as of last week when I was looking to refi.
29 years old. 26k in cc, 7k in car, 1k in school, 4 years of good mortgage history. Only one cc 30 day late over 2 years ago. Have paid off ~15k in cc/loans in the past 15 months. Using the snowball method and I figure 2 more years till cc/loan freedom.
I was really stupid until about 3 years ago... I always figured someday I'd be making the big money to make up for my spending. My children will be taught better.
Actually, I'm not really sure as I don't see the point in \"checking\" my score. I know how we're paid on our bills, and no one is ripping us off. I never get turned down for a loan, so who cares what the number is? What is it really going to do?
775
Not bad for 23, with a mortgage and a bit of credit card debt
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I have \"flawless\" credit - including two paid off early loans - and have only one credit card that I pay off monthly and a mortgage, yet I only rank at 745. What do you have to do to get a higher number? I'm already doing all the right things...?
@Keter: lack of payment history might be hurting you. still, 745 is largely considered A+, so i don't think you have anything to worry about.
@Keter: And how come the college kids have higher scores than I do - I would think I - a solid middle class middle aged married person - would be a much better risk! Nonsense!
@Keter: I think the more available credit you have as long as it's not excessive - the better.
I don't know how these things make sense, I think that is the deal though.
TransUnion tells me 800 :D
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644. I don't know what else I can do to get it increased!
@Crabby Cakes wants some Dance Biscuits.: just a suggestion: go on over to myfico.com & order a fico standard score & report. NOT FREE! $15.95 one-time (there's occasionally free or reduced price coupons available on this site & throughout the web) --> [www.myfico.com]
it comes with a \"score simulator\" that lets you play around with different factors in your report to \"tweak\" your score.
also, a new trend in credit unions is something called a \"credit rebuilder\" loan (or something like that). it combines a small dollar loan (~$1000) with payback over a year to build payment history & sometimes is coupled with financial counseling to help you understand what goes into your score. you may consider finding a credit union near you that offers a product like this. easiest way to find a credit union near you is to do a search for \"credit union + [your zip code]\" in [maps.google.com] .
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838 last month. My credit card has free FICO so I see it every month.
ok, no offense to any youngsters here, but i've noticed a few people piping in w/ scores above 700 & ages below 25. does anyone else see anything wrong with this? i mean, if 50% of your fico is payment history/length of history, it seems to me that the model doesn't quite work if you can have near perfect credit at such a young age.
the only reason i bring it up is b/c i know more than one young person who has a great score (700+), but lives in mom & dad's basement & makes $800/mo. at taco bell. they decide they can afford a $600/mo. payment on a new audi & POOF! next thing you know, they're getting repo'ed & their score's in the pooper.
in all but a few rare cases, someone under 25 is a risky investment & should be scored properly, right? or am i way off base here?
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@mac-phisto: I'm 20 and have a 710 score from Transunion. No CC debt and total credit line of around $10k, and $2,000 in student loans (Yay scholarships).
The way I got mine started was getting my grandparents, who have excellent credit, to add me as an authorized user on a card that they have had for years. This history got applied to my history, and so I have had perfect credit since I age 17.
As for actual risk, your probably correct in that someone like myself is more risky, you just have to have sense in knowing that while you could get the loan for that Audi, but realistically its not possible yet.
You forgot \"Don't care\". I am taking a stand against credit scores. It's a scam by big business - a reason to charge usury rates to people. I used to care and be fairly proud of my 700-750ish score, but I have learned the hard way that loans are crap - even home loans. I am well on my way to having all my debt paid off and am perfectly happy to rent until I can or want to pay cash for a house.
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800 as of two months ago
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CreditKarma is undergoing \"routine maintenance.\" I think we crashed the server
814, pulled last week before I went to buy a car. Then they tried to hit me with a 7.99 APR and I laughed.
25, 0 credit card debt (1 credit card), no loans, no mortgage, and I now owe 3800 on a new car. If I hadn't been hit by a truck and totalled my car, I wouldn't have that car debt either.
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You...kinda forgot 600-700...
@Mary Marsala with Fries: That is also was looking for as well
@Mary Marsala with Fries: Welcome to Consumerist. I hope you enjoy your stay.
@Mary Marsala with Fries: Yeah, I noticed that one myself. Oops. I would think it's the middle of the curve, too.
@Mary Marsala with Fries: Yeah, that kind of ruins the poll.
@Mary Marsala with Fries: Seriously.
@Mary Marsala with Fries: And I am kind of thinking that's the middle of the curve.