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

[Smurfy]

688 is close to the national average.

just slightly above based on what I read today

 

[Kano]

Smurfy thats really not a bad score a b is decent and does get you decent rates

 

[puddlemonkey]

nah thats freecreditreport.com go to experian.com

I did, they require a card on step 2. Of course they get my addy and e-mail info first before telling me lol.

 

[silverstar1025]

I did, they require a card on step 2. Of course they get my addy and e-mail info first before telling me lol.

You email them and cancel it as soon as you get the report. I just got one yesterday and emailed them to take me off that shit immediately. I got my report and score though. My score is not too bad. It used to really suck.

 

[Kano]

People worry about their score to much. They need to be more concered about there debt to income ratio.

 

[Smurfy]

People worry about their score to much. They need to be more concered about there debt to income ratio.

true
we dont have any debt other than mortgage and student loan. we rock

 

[chris302001]

People worry about their score to much. They need to be more concered about there debt to income ratio.

how about 250k in debt

and 0 income?

 

[Kano]

how about 250k in debt

and 0 income?

Lotto ticket

 

[puddlemonkey]

thats why i said directly from the bureau

here: https://www.annualcreditreport.com/cra/index.jsp

its federal law no cc required

Sweet! I did it and it went through... except I see no magic number

 

[puddlemonkey]

wtf am I suppose to do with this info?

• There are 0 potentially negative items in your report.
• You have 4 accounts in good standing in your report.
• Check the recent requests for your credit history.
• Check your personal information.
• Check your personal statement.