What is your credit score?

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What is your credit score?

751-850
217
80%
701-750
24
9%
641-700
4
1%
581-640
0
No votes
300-580
1
0%
I don't know
24
9%
 
Total votes: 270

INTRESIS
Posts: 86
Joined: Sat Nov 15, 2014 12:39 pm

What is your credit score?

Post by INTRESIS » Wed Mar 04, 2015 7:03 pm

800 here, yo.

texasdiver
Posts: 2753
Joined: Thu Jun 25, 2009 12:50 am
Location: Vancouver WA

Re: What is your credit score?

Post by texasdiver » Wed Mar 04, 2015 7:51 pm

Depends on which score. The free credit score that gets printed on some credit card statments and in Mint is not the same one that is used by the credit agencies when you apply for credit. It is on a different scale. But either way my wife and I are well above 750

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Rob5TCP
Posts: 3185
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Location: New York, NY

Re: What is your credit score?

Post by Rob5TCP » Wed Mar 04, 2015 7:55 pm

It varies from 783 to 802 (depending on the service). I would assume MOST Bogleheads (especially over 50) would tend to have much higher
than average credit scores.

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FreeAtLast
Posts: 647
Joined: Tue Nov 04, 2014 9:08 pm

Re: What is your credit score?

Post by FreeAtLast » Wed Mar 04, 2015 8:00 pm

I refuse to pay for the "real" FICO credit score, so I take the one that comes monthly with my Discover Card.....as high as 815 and as low as 798 during the last year.
Illegitimi non carborundum.

truenorth418
Posts: 409
Joined: Wed Dec 19, 2012 7:38 am

Re: What is your credit score?

Post by truenorth418 » Wed Mar 04, 2015 8:17 pm

Depending on which credit card-provided free FICO score, between 775 and 820.

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LAlearning
Posts: 1365
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Location: Los Angeles

Re: What is your credit score?

Post by LAlearning » Wed Mar 04, 2015 8:36 pm

810-ish.
I know nothing!

pa7VQbb1kTkj1eLn3spK
Posts: 46
Joined: Sun Jan 26, 2014 2:05 pm

Re: What is your credit score?

Post by pa7VQbb1kTkj1eLn3spK » Wed Mar 04, 2015 8:39 pm

I paid to see my FICO score late last year and it was at 844.

veggivet
Posts: 301
Joined: Sun Jan 25, 2015 1:07 pm
Location: New England

Re: What is your credit score?

Post by veggivet » Wed Mar 04, 2015 9:19 pm

840 +/- 5 points depending on the month.

slow123
Posts: 11
Joined: Fri Sep 05, 2014 1:32 pm

Re: What is your credit score?

Post by slow123 » Wed Mar 04, 2015 9:20 pm

I'm 33 I have 787. Wife is 28 has a 811.

zachguy
Posts: 5
Joined: Sun Feb 22, 2015 7:29 pm

Re: What is your credit score?

Post by zachguy » Wed Mar 04, 2015 9:26 pm

I'm 28...823

stevemed
Posts: 17
Joined: Thu Jan 15, 2015 10:36 pm

Re: What is your credit score?

Post by stevemed » Wed Mar 04, 2015 10:04 pm

804 for me

john94549
Posts: 4638
Joined: Tue Jul 26, 2011 8:50 pm

Re: What is your credit score?

Post by john94549 » Wed Mar 04, 2015 10:06 pm

Mind you, the "real" FICO scores used by banks and credit unions might differ. Your best bet is a friendly banker. Ask him or her to pull your FICO as if you were applying for a loan. It might cost a few bucks, but it might be more accurate.

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rob
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Location: Here

Re: What is your credit score?

Post by rob » Wed Mar 04, 2015 10:11 pm

Me thinks this is the wrong crowd to have a large band near the top of the range.... might need some finer bands :D

Last time I did a refi it was 810... and spouse was a few points higher. It's always the people who don't need credit that can get it.
| Rob | Its a dangerous business going out your front door. - J.R.R.Tolkien

4 Iron
Posts: 28
Joined: Thu Sep 24, 2009 2:35 pm
Location: Chicago

Re: What is your credit score?

Post by 4 Iron » Wed Mar 04, 2015 10:17 pm

I'm 32, and I've never looked or cared. I don't own a home (but have a high 6 figures portfolio), no debt, buy cars for cash, have no reason to care about my FICO score. When I do buy a home, I'll put down a significant down payment and will work with a lender that doesn't solely rely on a FICO score. Seems like a very minor thing to fret over in the big scheme of things.

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oldzey
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Location: Land of Lincoln

Re: What is your credit score?

Post by oldzey » Wed Mar 04, 2015 10:26 pm

812 average of the 3 bureaus.
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

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abuss368
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Re: What is your credit score?

Post by abuss368 » Wed Mar 04, 2015 10:27 pm

Over 800!
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

nodenuff2
Posts: 357
Joined: Tue Mar 06, 2012 4:08 pm

Re: What is your credit score?

Post by nodenuff2 » Wed Mar 04, 2015 10:31 pm

DW says it is 850. Don't know and don't care.
2014 No. 42 2015 No.342 2016 No. 6 2017 238 what do I know? "Good bless America land that I love..."

MathWizard
Posts: 3089
Joined: Tue Jul 26, 2011 1:35 pm

Re: What is your credit score?

Post by MathWizard » Wed Mar 04, 2015 10:44 pm

The cutoff for the last loan I got was 760. I just asked the loan officer if I made it
and she said yes. (Too cheap to pay for the FICO score myself.)

I may never take out another loan for the rest of my life.

dad2000
Posts: 642
Joined: Fri Feb 03, 2012 7:04 pm

Re: What is your credit score?

Post by dad2000 » Wed Mar 04, 2015 11:05 pm

I only have my FICO nextgen: 865.

TravelforFun
Posts: 1552
Joined: Tue Dec 04, 2012 11:05 pm

Re: What is your credit score?

Post by TravelforFun » Wed Mar 04, 2015 11:42 pm

Barclay Arrival Card gives you free FICO scores. Mine is 844 but it doesn't do me any good because I neither need nor want to borrow money.

BitDude
Posts: 51
Joined: Tue Jan 13, 2015 1:59 am

Re: What is your credit score?

Post by BitDude » Thu Mar 05, 2015 12:00 am

An overwhelming number of people on these boards have over 750, as expected. People that have the financial discipline to save, will naturally have good credits as well (on average).

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jfn111
Posts: 955
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Location: Minnesota

Re: What is your credit score?

Post by jfn111 » Thu Mar 05, 2015 6:38 am

Between 812- 832 depending on which free service I look at.

Grasshopper
Posts: 925
Joined: Sat Oct 09, 2010 3:52 pm

Re: What is your credit score?

Post by Grasshopper » Thu Mar 05, 2015 7:09 am

Over 800 haven't had a mortgage for 15 years or a car loan for over 25 years, retired now for 9 years. :beer

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pennstater2005
Posts: 2463
Joined: Wed Apr 11, 2012 8:50 pm

Re: What is your credit score?

Post by pennstater2005 » Thu Mar 05, 2015 8:03 am

Serious delinquency on some student loans years ago is still haunting me.

A lowly 751 :D
“If you think nobody cares if you're alive, try missing a couple of car payments.” – Earl Wilson

Grt2bOutdoors
Posts: 19513
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Location: New York

Re: What is your credit score?

Post by Grt2bOutdoors » Thu Mar 05, 2015 8:21 am

This would be a good first date question on compatibility. I'll show you my credit score, if you show me yours. :D
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions

FRANK2009
Posts: 355
Joined: Thu Dec 13, 2007 6:16 pm

Re: What is your credit score?

Post by FRANK2009 » Thu Mar 05, 2015 8:38 am

Just refinanced my mortgage. Lender said it was over 800. It pays to pay your bills on time.

mmoneytalks
Posts: 49
Joined: Sun Jan 18, 2015 11:00 am

Re: What is your credit score?

Post by mmoneytalks » Thu Mar 05, 2015 8:54 am

According to my Discover Card account, it's 850 "Congratulations! Your FICO® Credit Score indicates to lenders that you're an exceptional borrower. Keep up the great work."

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ruralavalon
Posts: 14266
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Location: Illinois

Re: What is your credit score?

Post by ruralavalon » Thu Mar 05, 2015 9:08 am

817 :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

hulburt1
Posts: 333
Joined: Tue Jul 15, 2014 9:17 pm

Re: What is your credit score?

Post by hulburt1 » Thu Mar 05, 2015 9:14 am

I'm trying to get it to 0. I have not looked for 5yrs.

brigboy
Posts: 40
Joined: Fri Jul 04, 2014 1:58 pm

Re: What is your credit score?

Post by brigboy » Thu Mar 05, 2015 9:36 am

24; 720-760. It helps my parents helped me with the student loans initially :P

Twins Fan
Posts: 2775
Joined: Fri Mar 08, 2013 1:02 pm

Re: What is your credit score?

Post by Twins Fan » Thu Mar 05, 2015 9:53 am

I'm guessing the OP didn't expect the competition to be so tough? :happy

Yes, this is probaby the wrong place to be bragging about a high credit score. Most on Bogleheads are likely to have a high credit score and probably don't even care about having that high score. Once one gets into what they call the "excellent" range, it doesn't really matter if they have a 790 or 820 anyway.

800 to 814 here depending on the company giving the score. Too bad I hate to borrow money. :)

Runner01
Posts: 290
Joined: Thu Dec 12, 2013 7:14 pm

Re: What is your credit score?

Post by Runner01 » Thu Mar 05, 2015 9:54 am

Age 29 - 783 according to Mint

No credit cards (my CU debit card gives cash back), car loans, or student loans; only a mortgage.

hulburt1
Posts: 333
Joined: Tue Jul 15, 2014 9:17 pm

Re: What is your credit score?

Post by hulburt1 » Thu Mar 05, 2015 9:58 am

Like I said I don't know. Went to Sears to see if I could open a card to get a deal on buying something, I was refused. I laugh at the person telling him I'm worth over 2m and you wont give me a card.

Twins Fan
Posts: 2775
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Re: What is your credit score?

Post by Twins Fan » Thu Mar 05, 2015 10:15 am

hulburt1 wrote:Like I said I don't know. Went to Sears to see if I could open a card to get a deal on buying something, I was refused. I laugh at the person telling him I'm worth over 2m and you wont give me a card.
It's probably better you don't know what "the person" was thinking in their head as you told them that. :annoyed

That's a pretty sad post, if you ask me. Should have just left it at, you don't know.

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midareff
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Location: Biscayne Bay, South Florida

Re: What is your credit score?

Post by midareff » Thu Mar 05, 2015 10:33 am

> 800

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zaboomafoozarg
Posts: 1975
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Re: What is your credit score?

Post by zaboomafoozarg » Thu Mar 05, 2015 10:35 am

810 last time I checked.

The Wizard
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Location: Reading, MA

Re: What is your credit score?

Post by The Wizard » Thu Mar 05, 2015 10:43 am

pennstater2005 wrote:Serious delinquency on some student loans years ago is still haunting me.

A lowly 751 :D
Those negatives should go away after 7 years of ontime payments...
Attempted new signature...

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kenyan
Posts: 2932
Joined: Thu Jan 13, 2011 12:16 am

Re: What is your credit score?

Post by kenyan » Thu Mar 05, 2015 10:58 am

810-820. Now that I froze my credit, that probably isn't going to matter much.
Retirement investing is a marathon.

Matt48Ritchie
Posts: 135
Joined: Mon Jan 05, 2015 12:38 pm

Re: What is your credit score?

Post by Matt48Ritchie » Thu Mar 05, 2015 11:02 am

Just curious for those who say they don't know/care and say they don't have credit cards or will never need their credit score, why not use it for good credit card sign up offers? Assuming it wouldn't cause you to inflate your normal spending, signing up for a card with a bonus that saves you ~$444 on travel expenses($888 if your spouse gets it too) seems like a bogleheadish thing to do.

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Wildebeest
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Re: What is your credit score?

Post by Wildebeest » Thu Mar 05, 2015 11:11 am

I do not know and I do not care.

We have cash back credit card 2 % Fidelity AMEX card, Costco AMEX card and PenFed card with chip.

The travel miles sign up game is most likely worthwhile but of no interest to us at this time.
The Golden Rule: One should treat others as one would like others to treat oneself.

choices
Posts: 84
Joined: Sun Dec 21, 2014 8:33 pm

Re: What is your credit score?

Post by choices » Thu Mar 05, 2015 11:18 am

My free one w/ credit card ranges from 841 to 850! We bought car last yr and got the 0% loan the sales guy said he'd never seen credit scores so high. that car will probably be the last thing we ever buy on credit, well, maybe our next to forever farm

jebmke
Posts: 8466
Joined: Thu Apr 05, 2007 2:44 pm

Re: What is your credit score?

Post by jebmke » Thu Mar 05, 2015 11:22 am

I don't know mine. I have to (sheepishly) admit that I don't know how to find out what it is. I suppose I could find it out but not sure what it would tell me that is actionable.
When you discover that you are riding a dead horse, the best strategy is to dismount.

Constant Chaos
Posts: 175
Joined: Fri Sep 06, 2013 11:45 am

Re: What is your credit score?

Post by Constant Chaos » Thu Mar 05, 2015 11:45 am

I am happy to have a high credit score mainly because it saves me money on auto insurance.

7thSunday
Posts: 50
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Location: Uptown, Dallas

Re: What is your credit score?

Post by 7thSunday » Thu Mar 05, 2015 11:58 am

I just recently tried to get my free credit report from Experian through << annualcreditreport.com >>. This is the official site set up by federal law to make credit reporting agencies send you upon request once a year your credit report. I have done this before through this same site requesting TransUnion send me my report and everything worked well. I received the report on-line just a few minutes after submitting my request. No cost here.
However, in trying this just last week with Experian, I was informed that they were unable to honor my request. They wanted me to send to them by mail copies of my driver’s license and a utility bill. I then tried Equifax through the site and got the same result. They however wanted copies of my SS card, pay stub with my SS number, W2, driver’s license and a utility bill.

Has anyone else tried to use this site with similar results lately? I emailed customer service but no response.

Oh! And in the Experian note, they said that if I was requesting my “Free Credit Report”, that I could send them $12.45 by check or money order along with my request.

Zeralonde
Posts: 43
Joined: Wed Mar 04, 2015 2:18 pm

[Deleted]

Post by Zeralonde » Thu Mar 05, 2015 12:01 pm

[Deleted]
Last edited by Zeralonde on Wed Apr 19, 2017 9:56 am, edited 1 time in total.

Ninegrams
Posts: 557
Joined: Sun Aug 17, 2014 6:12 pm

Re: What is your credit score?

Post by Ninegrams » Thu Mar 05, 2015 12:53 pm

Just a paltry 790. The explanation, so I'm told I don't have enough available credit( only 15K) even though I don't carry balances. Oh the humanity. :(

jebmke
Posts: 8466
Joined: Thu Apr 05, 2007 2:44 pm

Re: What is your credit score?

Post by jebmke » Thu Mar 05, 2015 1:19 pm

Zeralonde wrote: Discover says 735.
Grade inflation. Some schools are now giving grades of 5.0 on a scale of 1-4.
When you discover that you are riding a dead horse, the best strategy is to dismount.

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DaftInvestor
Posts: 4092
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Re: What is your credit score?

Post by DaftInvestor » Thu Mar 05, 2015 1:23 pm

7thSunday wrote:I just recently tried to get my free credit report from Experian through << annualcreditreport.com >>. This is the official site set up by federal law to make credit reporting agencies send you upon request once a year your credit report. I have done this before through this same site requesting TransUnion send me my report and everything worked well. I received the report on-line just a few minutes after submitting my request. No cost here.
However, in trying this just last week with Experian, I was informed that they were unable to honor my request. They wanted me to send to them by mail copies of my driver’s license and a utility bill. I then tried Equifax through the site and got the same result. They however wanted copies of my SS card, pay stub with my SS number, W2, driver’s license and a utility bill.

Has anyone else tried to use this site with similar results lately? I emailed customer service but no response.

Oh! And in the Experian note, they said that if I was requesting my “Free Credit Report”, that I could send them $12.45 by check or money order along with my request.
I was due so just downloaded all three of mine. I did not have this issue. Experian was last in the line-up and when I hit it - it just asked me three verification questions and my report popped up. I would ask them why you need to provide all kinds of info? I wonder if you accidentally failed one of the verification questions (or if they have something wrong on their end).

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DaftInvestor
Posts: 4092
Joined: Wed Feb 19, 2014 10:11 am

Re: What is your credit score?

Post by DaftInvestor » Thu Mar 05, 2015 1:24 pm

Last I knew I was somewhere around 800 but I hope never to need a loan again so don't much care any longer :)

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Wildebeest
Posts: 1145
Joined: Fri Dec 27, 2013 2:36 pm

Re: What is your credit score?

Post by Wildebeest » Thu Mar 05, 2015 2:09 pm

DaftInvestor wrote:
7thSunday wrote:I just recently tried to get my free credit report from Experian through << annualcreditreport.com >>. This is the official site set up by federal law to make credit reporting agencies send you upon request once a year your credit report. I have done this before through this same site requesting TransUnion send me my report and everything worked well. I received the report on-line just a few minutes after submitting my request. No cost here.
However, in trying this just last week with Experian, I was informed that they were unable to honor my request. They wanted me to send to them by mail copies of my driver’s license and a utility bill. I then tried Equifax through the site and got the same result. They however wanted copies of my SS card, pay stub with my SS number, W2, driver’s license and a utility bill.

Has anyone else tried to use this site with similar results lately? I emailed customer service but no response.

Oh! And in the Experian note, they said that if I was requesting my “Free Credit Report”, that I could send them $12.45 by check or money order along with my request.
I was due so just downloaded all three of mine. I did not have this issue. Experian was last in the line-up and when I hit it - it just asked me three verification questions and my report popped up. I would ask them why you need to provide all kinds of info? I wonder if you accidentally failed one of the verification questions (or if they have something wrong on their end).

I just down loaded Experian without difficulty.

They offered me my credit score for $ 1. I declined.

May be also go to annualcreditreport and email them to let them know, that Experian has issues and did not respond to your email.
The Golden Rule: One should treat others as one would like others to treat oneself.

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