- Local time
- 6:39 PM
- Joined
- Dec 4, 2009
- Messages
- 38,859
- Reaction score
- 54,899
- Location
- Pasadena, Texas
I'm pretty good but.....
Does a person with a perfect credit rating exist??
- Thread starter Cranky
- Start date
Mine should be perfect, but I have no idea what it is.
What is perfect? I've never looked.
I think 850 is the perfect number, mine varies since I run my material on a credit card and pay it off monthly so no interest, I run it up quite a bit credit goes down then payment is applied then goes up. i run from 810 to 835 is the highest I've ever seen mine.
1 Wild R/T
Well-Known Member
850 is perfect...Last time I cared mine was 780...
I don't care either not planning on borrowing anything probably ever again.
I’m close but not 850. Just buying a couple of expensive items in one month on a credit card can tank it 15-25 points for a couple of months, even if you pay up 100% each and every month.
SteveSS
Well-Known Member
- Local time
- 5:39 PM
- Joined
- May 28, 2013
- Messages
- 5,981
- Reaction score
- 9,554
- Location
- Colorado Springs
I think my rating is 0. I don't use credit. I do have a credit card but the bank uses my funds to pay it off every month. I get points but never carry a balance
Ray70Chrg
Well-Known Member
the few times we've checked it was in the mid 840s.
XS22J8R
Well-Known Member
According to Discover I hit 850 around 6 or 7 years ago.
Interestingly, my different credit cards that offer you the option to check your score on their sites show different credit scores for me. Wouldn’t they all be the same, apparently they get their info from different credit bureaus or something?
Since that perfect score I have never hit that mark again, been down briefly into the 790s, but typically fall in the 815-835 range, though Discover said 842 this month.
I paid off my mortgage a year or two before Covid, pay my credit card bills in full every month, and have taken out a few car loans that I pay off within a year or two. Not much ever changes year after year in my boring life, so it’s a mystery why my credit score doesn’t remain pretty much unchanged instead of varying within around a 50 point range.
Interestingly, my different credit cards that offer you the option to check your score on their sites show different credit scores for me. Wouldn’t they all be the same, apparently they get their info from different credit bureaus or something?
Since that perfect score I have never hit that mark again, been down briefly into the 790s, but typically fall in the 815-835 range, though Discover said 842 this month.
I paid off my mortgage a year or two before Covid, pay my credit card bills in full every month, and have taken out a few car loans that I pay off within a year or two. Not much ever changes year after year in my boring life, so it’s a mystery why my credit score doesn’t remain pretty much unchanged instead of varying within around a 50 point range.
Must be a different way of calculating it down these parts.....
I use mine for as much as I can and pay it off in full each month - now I get cash back from the interest ...or at least enough each month to save up through the year and make Christmas shopping less painful.
My main electrical supplier debits my CC each month with my consent and they give me points also for use on whatever I want. Win Win.
I use mine for as much as I can and pay it off in full each month - now I get cash back from the interest ...or at least enough each month to save up through the year and make Christmas shopping less painful.
My main electrical supplier debits my CC each month with my consent and they give me points also for use on whatever I want. Win Win.
Must be a different way of calculating it down these parts.....
View attachment 1955619
I use mine for as much as I can and pay it off in full each month - now I get cash back from the interest ...or at least enough each month to save up through the year and make Christmas shopping less painful.
Metric system strikes again!
Our bank just sent out a letter last week informing us that the '55 days free credit' is coming to an end...... it will now be shortened to 44 days free credit.
They already increased the number of qualifying dollars for earning points from $90 to $150 a couple of years ago.
I guess that's the price you pay for dealing with the Bank of New Zealand ....wholly owned by Australia.
All the profits are whisked off-shore.
They already increased the number of qualifying dollars for earning points from $90 to $150 a couple of years ago.
I guess that's the price you pay for dealing with the Bank of New Zealand ....wholly owned by Australia.
All the profits are whisked off-shore.
- Local time
- 7:39 PM
- Joined
- Jan 29, 2018
- Messages
- 21,596
- Reaction score
- 68,678
- Location
- Midland Ontario, Canada
Have never known, until I caved and signed up for online banking this year. Ours is done out of 900, I show currently at 886 and could care less....
811 to 825. Insurance agent said combining car and house insurance if you have a good credit will save you money, want me to check? Sure go ahead. He calls and says you have great credit. He's known me from my wild days probably thought I had a few oops paying bills, didn't happen.
Similar threads
