Any DFWMUSTANG ballers with 800+ credit score?

[Sean88gt]

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

Allowed once per year to look at your profile...

[LaserSVT]

Well after 15+ years of not financing anything it seems I do not have a credit score. LOL

[Big Dad]

Mine is 800+

[Samhain]

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.

Creditkarma has mine listed 75 points below what FICO shows.

[Barbie]

I'm over 800 and never had a mortgage.

[svauto-erotic855]

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

Not sure why you would ask or think that but it is not a troll post. I spend about 80k per month on the card in the peak season for business purchases.

[chronical]

Creditkarma has mine listed 75 points below what FICO shows.

Mine as well. It use to be about 60 points higher than Myfico lol. Credit karma, credit sesame, usaa, freecreditreport.com, and even the scores from the actual credit reporting agencies are all worthless. A fico score provided by Myfico.com is the score most lenders use. Paying for these scores can get expensive so an alternative is seeking out lenders who provide a free fico score each month as a benefit.
Dcu is an online credit union that provides it's members a free equifax fico score on the last Friday of each month

Walmart, discover, and Barclays are 3 examples of card issuers who will provide a free Transunion fico score each month.

Psecu and national bank of omaho are two issuers who will provide a Experian fico score each month

IMO having $60 worth of reports available to you each month is a priceless benefit to help monitor your score

[crapstang]

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.

The rates are still incredible. It's much better to keep some money for a rainy day, and invest the rest of it elsewhere. If you feel the need, you can always pay more of your house off. I am not a fan of having debt, but you really take advantage of these rates.

[lowthreeohz]

mine was a 772 when i bought my house, i have 1 credit card with like a 2k max on it, and a truck payment(i even bought a brand new truck ~3 months before buying my house) . i've had a few car notes and bike notes that i paid off on time, and some utilities in my name. not sure why someone needs 40k limits and shit to have a good score?

[chronical]

mine was a 772 when i bought my house, i have 1 credit card with like a 2k max on it, and a truck payment(i even bought a brand new truck ~3 months before buying my house) . i've had a few car notes and bike notes that i paid off on time, and some utilities in my name. not sure why someone needs 40k limits and shit to have a good score?

For optimal fico credit scoring, 2 or more cards is ideal. Even with a 772, you would see an immediate score boost just buy adding a second or 3rd card. After that, the hit you would take in average age of accounts would negate and impact more negatively than the benefit of any additional cards.

[lincolnboy]

x2 on not apply for any credit a minum of 6 months before appling for a house. also nice to have buku money in the bank so the lender see that you have saving if im not mistaking.

[dmh165638]

Got married last year and just before the wedding we bought a house together. My credit score was 812 and hers 809. No baller here just took extremely good care of my credit history over the last 27 years.

[svauto-erotic855]

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

Company card issued by the bank that has my cash.

[jluv]

For optimal fico credit scoring, 2 or more cards is ideal. Even with a 772, you would see an immediate score boost just buy adding a second or 3rd card. After that, the hit you would take in average age of accounts would negate and impact more negatively than the benefit of any additional cards.

I wish I had read this two months ago. I expect to be debt free in 4-6 months, making large lump payments over the past (and next) few months, and wanted to finish it out paying as little interest as possible. I have several cards and loans and have paid them all on time and all paid off early. Got down to my last card, and got an offer for a new one with 0% for 18 months on balance transfers, so I moved the balance over to that new card. Creditkarma rated me having an "A" in everything except average age was down to 2.5, and it gave me a D there. The score was lower than I expected, so I'm hoping it's off like you guys say.

I throw away tons of cc offers but this one caught my eye and seemed like a good idea. It saved me money, but that sucks if it dinged my credit. Catch 22.

So, does paying off cards and letting them sit unused with a zero balance hurt my score at all?

May be seeking a home and/or land loan before the end of the year, so would like to polish up my credit as much as possible.

[GhostTX]

creditkarma.com

And CreditSesame.com

I use them both to monitor my credit as I had my identity stolen 2 years go. So far, they've been doing well on reporting. Credit Sesame even offers $50K insurance for credit rebuilding for just being a member.