688 - um, that's not a very good credit score lol

[digimon7068]

i'm an 820. . .my wife's a 780. . .she's jealous. . .

 

[gonelifting]

I get the federally mandated free combined scores every July. Summer of '07 my score was 752 and this Summer it was somehow down to 726, and there was not explanation as to why.

Only changes were I'd excepted a Chase CC, but my overall revolved acct debt had not increased, and traded a car to get another. I'd just transferred a balance to get 0% and replaced one car loan with another car loan. How the fuck does that dump my score 26 points?

Yep, those are the types of things that change it. "too much activity" or any activity really disturbs the 'fine balance' that is your credit score. Shhhhh, you'll wake him up.

Smurfy, answer! Seriously, why is your score like that? They should provide an explanation if you got it from one of the 3 agencies.

Don't cancel any cards, don't do anything "harsh". lol Just pay everything off like you've been doing and make sure you don't have a BS collection or error on your report.

 

[RottenWillow]

Yep, those are the types of things that change it. "too much activity" or any activity really disturbs the 'fine balance' that is your credit score. Shhhhh, you'll wake him up.

you're a lesbian!? I thought you were a dude.

 

[gonelifting]

you're a lesbian!? I thought you were a dude.

lol Same joke Devo used. hmmm...



and YES, I'm a lesbian. I can prove it.

 

[fistfullofsteel]

you forget lbs after the 688

 

[RottenWillow]

lol Same joke Devo used. hmmm...



and YES, I'm a lesbian. I can prove it.

Hey it's a tradition.

 

[walliwalibus]

Buy a new car and house, and miss a bunch of payments.

 

[Smurfy]

Yep, those are the types of things that change it. "too much activity" or any activity really disturbs the 'fine balance' that is your credit score. Shhhhh, you'll wake him up.

Smurfy, answer! Seriously, why is your score like that? They should provide an explanation if you got it from one of the 3 agencies.

Don't cancel any cards, don't do anything "harsh". lol Just pay everything off like you've been doing and make sure you don't have a BS collection or error on your report.

oh i have a long history of poor credit. this 688 is better than it was when i bought my condo in 2004, at that time i think it may have been only 650 or something like that. so it has def gone up (i dont bounce checks or miss payments anymore, everythig is on autopay lol)
she did mention 1 or 2 older items on there that i need to shore up but nothing major
also there were some accounts on there that were PAID but still remained on teh report because they were LATE or not paid to begin with (i had to pay everything off when I got my condo in 2004)

 

[p0ink]

clark howard, the financial guru with his own radio show, is BARELY tipping 800, and that man has the art and science down cold.

 

[walliwalibus]

Sorry for being a smart ass..... Seriously, it's not that bad. Your right in with the average American. I don't believe most the people here are in mid to high 700's........ Nope, some people just afraid to say they suck at finances.