Any DFWMUSTANG ballers with 800+ credit score?

[71chevellejohn]

As i recall, my score didn't drop very much when I was mortgage shopping or in the year since I bought the house.

[jluv]

I haven't checked mine in a while. What is the best way to do so? I don't want to have another inquiry on mine if I can help it.

[71chevellejohn]

You can do the free check online. I know Discover has been offering free monthly scores with your statement. And Capital One just offered the same to me when I last logged in to their site.

[Craizie]

I haven't checked mine in a while. What is the best way to do so? I don't want to have another inquiry on mine if I can help it.

You're allowed one free look per year. ( i think )

[A_A_G]

I haven't checked mine in a while. What is the best way to do so? I don't want to have another inquiry on mine if I can help it.

creditkarma.com

[jluv]

You're allowed one free look per year. ( i think )

I believe that is correct, but that doesn't answer my question. Thanks though.

You can do the free check online. I know Discover has been offering free monthly scores with your statement. And Capital One just offered the same to me when I last logged in to their site.

I don't have a card from either of them. I used to have a card that gave me my score any time I logged in, but they quit doing that.

I have done the free credit score thing once and then cancelled it before I started getting the monthly monitoring fees. I just thought I'd heard of one now that doesn't charge you at all and you don't have to cancel anything. Can't remember the site.

[jluv]

creditkarma.com

Ah, maybe that's it. Thanks!

[2011GT]

You're allowed one free look per year. ( i think )

I think you can only look at the report. The actual score cost money. The best place to look is myfico.com it cost money but it would be worth it to keep it open until you buy a house.

[Chopped54]

I never checked mine but discover now shows your score on your statements. Mine was over 800 but I do not know how it got that way. I have never financed anything in my life (I did finance a truck for a few day to get the rebates) or have carried a balance on any card. Most of my cards I have had since the early 90s with the highest limit being 125k.

Not sure if this is a troll post....

[dblack1]

It doesn't matter, anything over 740 or 50 gets you the best rates. I've seen a 750 required for a 0% rate on a Harley.

[Forever_frost]

I believe that is correct, but that doesn't answer my question. Thanks though.



I don't have a card from either of them. I used to have a card that gave me my score any time I logged in, but they quit doing that.

I have done the free credit score thing once and then cancelled it before I started getting the monthly monitoring fees. I just thought I'd heard of one now that doesn't charge you at all and you don't have to cancel anything. Can't remember the site.

You can go to each of the three agencies on their pages and see things directly without a third party site for free as long as it is just once per year. I do it through there as well has have Identity Guard which shows me anytime I like.

[trblshooter]

Your bank should offer tips/advice about your credit. My AMEX is through USAA and they offer free credit monitoring along with ways to improve/maintain your score.

[lincolnboy]

If your end goal is a house, I'd just start stacking up down payment cash and start looking for a house. Your score will do just fine where it is.
.

x2

better to use as much of your own money to pay down on a house then to have to borrow that money from the bank. less to borrow sound better then borrowing the full amount for a house.

[chronical]

Any advice to get there? I'm currently at 762 and it seems I cant get it any higher.
Here's my status:
4 credit cards
Total available credit - $13,800
Credit card debt - $276
Credit card utilization - 2%
Oldest card is 9 years old and has the highest limit at $10,500
No auto or mortgage loans

My goal is to purchase a home next summer so I'd like to get my score as high as possible.

Take most of the advise in this thread with a grain of salt, a lot of it is bad.

If you're wanting a higher score credit cards are only part of the puzzle. You need an auto loan and mortgage to bump it up. Don't worry to much about it though. Your credit score without looking at your actual history and income will get you the lowest rate possible. When I bought my first home 5 years ago my credit was only 650 and I got the lowest rate at the time 5.0%. I don't even care what my credit is now because I'm all about cash money and fuck financing anything (except a home) my last house 2 years ago my rate is 3.25%. But what I know now I will never buy a house without 20% down. I have to pay pmi insurance for 3 more years at 200 a month...

This can be true but not necessary. But I do agree with having diversity.

I never checked mine but discover now shows your score on your statements. Mine was over 800 but I do not know how it got that way. I have never financed anything in my life (I did finance a truck for a few day to get the rebates) or have carried a balance on any card. Most of my cards I have had since the early 90s with the highest limit being 125k.

This is not true. I might be mistaken, but I don't know of any normal issuers that will exceed 50k.

Your credit limit seems low.

This is accurate. I have 3 cards that total 40k in available credit and I am not a baller.

Should I apply for another card?

it depends. Who are your issuers right now? Some cards, you can request credit limit increases with out taking another inquiry on.

If your end goal is a house, I'd just start stacking up down payment cash and start looking for a house. Your score will do just fine where it is.

If your goal is to have a high credit score, just go buy a toy of some sort and pay it off somewhat quickly.

A credit score is nothing more than a past/present debt meter. And of course, the ability to pay off that debt.

Be careful doing anything credit related if you are close to trying for a mortgage. I'd say 6 months is the minimum time frame you should have between your last credit app and your mortgage app.

As i recall, my score didn't drop very much when I was mortgage shopping or in the year since I bought the house.

I only quoted this because it made me think of a good tip. If the op has has any type of collections in his life, it may be good to app for a trial mortgage a year in advance. I've seen it happen numerous times. You are right in the middle of trying to close on your house, when all past creditor have been notified of your mortgage app. They know if they smear your report with a collection, that most people will just pay it real quick so they can close. Collection agencies come out and try to capitalize on the situation. Of course, this is a moot point if you have never had any sort of collection.

You can do the free check online. I know Discover has been offering free monthly scores with your statement. And Capital One just offered the same to me when I last logged in to their site.

you can not check a real credit score for free.

You're allowed one free look per year. ( i think )

At your reports, yes. But not at your score. Also, you can request your report any time you are denied credit or offered less than favorable terms.

creditkarma.com

Worthless score not used by any lenders. This is called a FAKO, (pronounced fake-o) creditkarma is for entertainment purposes only. Your real score may be significantly higher, lower. or coincidentally right on point, but trust me, this score is worthless.

I think you can only look at the report. The actual score cost money. The best place to look is myfico.com it cost money but it would be worth it to keep it open until you buy a house.

This is good advise.

[chronical]

Anyone who wants to know anything about credit should go to creditboards.com
The wealth of information over there is priceless.