Credit scores....

[Richard Cranium]

Ever wonder why a car dealer wants your license before a test drive? It is not for safety....they text the salesman during your test drive if your good or not....I never give them my license and they give a rebuttal but I still get a test drive, lol....safety, right!

You just need to show them the right license(s).

 

[Roger63]

Credit karma is not accurate at all. They consistently show my score 60-80 points lower than what it really is. I hate the system my wife and I have identical credit reports, but our scores are 40 points apart.

 

[Mike67]

Credit karma is not accurate at all. They consistently show my score 60-80 points lower than what it really is. I hate the system my wife and I have identical credit reports, but our scores are 40 points apart.

They are Equifax and TransU report, pretty accurate but usually about a month and a half behind. They can only report what the creditors have. I think Wxpwrian carries more weight than the other two but ultimately its the FICO score that counts on big loans.

 

[Fran Blacker]

Credit karma is not accurate at all. They consistently show my score 60-80 points lower than what it really is. I hate the system my wife and I have identical credit reports, but our scores are 40 points apart.

My wife's CS is higher than mine also. Think it's because I have more credit cards, more credit debt possible.

 

[Budnicks]

Experian Credit Report (not Wxpwrian),
the e & w are right next to each other on a keyboard
is what I think @Mike67 meant

I rarely check mine
last I saw it was 805 (?) 815 or something
not sure why it's not even higher,
it doesn't really matter
the lowest I ever had was like 740,
probably because I had several cars/trucks
& a couple mortgages at the time

I have Life Lock too, just incase

something like 840 is the best you can have IIRC

I pay everything off monthly, I rarely have any balance
I own my own houses, car/tucks etc., no outstanding loans
no outstanding mortgages etc.
I have several different credit cards
I use for different cards for different things
some have better points for food or gas
or even parts shopping or house repairs even

if you apply for a job
your credit score is 'extremely important' now too
as I've been told by others

Sad everything goes off your 'social security #'
I don't &/or won't give it out online...
Way too many phishing expeditions,
way too many scammers,
way too many sites get hacked too...

It's better to be safe, than sorry...
It's not a form of ID, it's mine, not theirs to use...

 

[Mike67]

Experian Credit Report (not Wxpwrian),
the e & w are right next to each other on a keyboard

LOL!!!! Thats exactly what i meant!!! Thanks for watching out for me Bud!!! Fat fingers on an Android and thr lack of proof reading because I know what I meant to type sometimes bites me in the arse!!! LOL!
I to have a couple of cards I pay off each month as not to accrue interest. I have one that me and the wife put every purchase, and payment we can, I get 1.5% back on all purchases and no annual fees. This year I got about $800 back, its not huge but hell it's $800!!!
I've been thinking about switching to one of the other cards that has a higher payback (3%-5% + $150-$500 credit) and pay the annual $100-$150 fee.
CK gives recommedations on cards based on your score , mine is 780s+/- & I usually spend $3k on a low monrh- $5k on a hi. I pay it off to carry a $0 balance. I need to run the numbers and see how much It would be.
The other cards I'll keep $50-$100 balance just to keep them active which helps drive up your score. It's a shame you rated higher for owing more people....

Bud if I need "tucks" I would have to own them...dont think leasing or financing them would wise...
.

 

[Budnicks]

LOL!!!! Thats exactly what i meant!!! Thanks for watching out for me Bud!!! Fat fingers on an Android and thr lack of proof reading because I know what I meant to type sometimes bites me in the arse!!! LOL!
I to have a couple of cards I pay off each month as not to accrue interest. I have one that me and the wife put every purchase, and payment we can, I get 1.5% back on all purchases and no annual fees. This year I got about $800 back, its not huge but hell it's $800!!!
I've been thinking about switching to one of the other cards that has a higher payback (3%-5% + $150-$500 credit) and pay the annual $100-$150 fee.
CK gives recommedations on cards based on your score , mine is 780s+/- & I usually spend $3k on a low monrh- $5k on a hi. I pay it off to carry a $0 balance. I need to run the numbers and see how much It would be.
The other cards I'll keep $50-$100 balance just to keep them active which helps drive up your score. It's a shame you rated higher for owing more people....

Bud if I need "tucks" I would have to own them...dont think leasing or financing them would wise...
.

yeah wasn't trying to be the
spelling/grammar Nazi's
I do really despise that ****, it's a car forum not English lit
it just took me a min. to figure it out at 1st...

got a good chuckle from it

I think 'typo' is my middle name now

if 'spell check' doesn't catch it, I don't correct it

 

[Mike67]

yeah wasn't trying to be the
spelling/grammar Nazi's
I do really despise that ****, it's a car forum not English lit
it just took me a min. to figure it out at 1st...

got a good chuckle from it

I think 'typo' is my middle name now

if 'spell check' doesn't catch it, I don't correct it

Lol, auto-incorrect is my default app! just checking to see who is paying attention!!! I'm surprised I'm not called out more often... I sleep very well regardless.