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Thread: YOUR FICO
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07-23-2008 #11
- Join Date
- Jun 2008
- Location
- USA
- Posts
- 325
Originally Posted by bigfreddy
I received a small settlement from freecreditreport.com for billing my credit card $90 a year about 5 years ago. They are scum! My FICO is 750, will be higher when I pay off this last credit card for $3500, I've paid off 4 of 5 so far. Credit cards are nice, but can get you in trouble if you neglect them.
Home is where the Heart is....
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07-23-2008 #12
My credit score is... fuck the system!!!
Originally Posted by sexyshana
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07-23-2008 #13
- Join Date
- Jul 2008
- Posts
- 4
Another good place is myfico.com. It's run by Fair Isaac Corporation, the company that is behind the FICO scores. While they sell scores and other products, what is very useful on this site is completely free. You can run simulations of things you anticipate doing, to see what activities might positively or negatively impact your FICO score. That is very helpful.
Managing your credit wisely is VERY important. Get the facts! If you don't know your FICO score, you should. And you can get it for free each year just by going to the Web sites of Experian, Trans Union and Equifax. Best of luck!
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07-23-2008 #14
don't you get a certain number of points just for getting your name right on the form? sort of like the SAT - There is a minimum - does anyone know what that is?
beardedone - if you don't miss any payments how do your rates go up so high?
Also income to debt ratio is NOT an item that the credit beureaus can track or report snce they do NOT have your income levels. But if your I-d ratios is in the cellar then its quite obvious you will have a hard time payinf off credit cards.