Is 733 a good credit score?

[Christopher]

Sorry but I'm just making sure - is it like on par with getting your own home score good?

[Mupepe]

it's not bad.  you can get a home with a low score, doesn't mean you'll get good financing though.  Pretty decent for someone your age though.

[Christopher]

lol mupepe i'm just as old as you ;p

[drozmight]

My score's better than your score sucker.

[Christopher]

lick my dick droz

[y2kev]

How do you find out your score? Should I get a credit card to build my score? lulz stealing chris' thread

[Christopher]

freecreditreport.com

YES kev get a credit card - but only briskly use it.

[drozmight]

lick my dick droz

This truly is the hot dog bar!

In all seriousness though, I think it's out of 833 (?) I think with a 733 your med-low risk.

[Mupepe]

lol mupepe i'm just as old as you ;p

lolz i know that.  i wasn't talking down to you :p

[brawndolicious]

aren't credit scores out of 1,000?

650+ is good.

[Glescoes]

IM THINKING OF A NUMBER

[FatalT]

IM THINKING OF A NUMBER

5

[Christopher]

aren't credit scores out of 1,000?

650+ is good.

out of 830

[TVC15]

Yeah, Chris, that's a rather good score for someone that doesn't have a long credit history.

[brawndolicious]

out of 830

oh.  how did you gain credit so fast?

[Christopher]

out of 830

oh.  how did you gain credit so fast?

Well according to my report I have:

store cards:
Macys
Express
Wachovia Visa Card
Chase Card - that I NEVER used - but it's in "good standing"

- Those all have no balances at all - if I charge something I always pay it back within 30 days, lick my dick if you think you'll charge my finance charges on that.

I also have a small student loan that I personally took out becaues I didn't want my dad to pay for almost everything - and it's in good standards so that's it :shrug.

[MrAngryFace]

I think MSN said it best; "Home loans aren't about being nice. Its business."

[xnikki118x]

I would think it'd be a good score, it's only from like 430-830 or whatever and you're definitely on the upper end of it.

[Tigerriot]

I'll answer your question very clearly.


733 is an excellent score, and is higher than probably 90% of the people in the U.S. right now.  I worked at a credit card company for 3 years, and I didn't see very many people with a scoer higher than that.  Above 700 is pretty much considered excellent.  Of course that doesn't mean some bank will just give you whatever loan you want, but it means that they're certainly going to feel comfortable dealing with you.

[Mr. Gundam]

As I'm going through the "buying a home" process, I just found out that over the last three years, my credit score has gone from a 720 to a 768. I've got $40,000 in student loans that I diligently pay ($315 a month), and a credit card that's paid off every month. I was all excited with my 768, until our mortgage broker said that my wife has a credit score of 795... whoa.

I've also heard that if you don't pay off your credit card in full every month, but make consistent payments, it will help to increase your score.

[Tigerriot]

I've also heard that if you don't pay off your credit card in full every month, but make consistent payments, it will help to increase your score.

Thats not really true.  Carrying a debt month to month can also be viewed as a negative.  Especially when buying a home.  So, in a perfect world, you'd have a credit card you paid off in full each month. 

[Mr. Gundam]

I've also heard that if you don't pay off your credit card in full every month, but make consistent payments, it will help to increase your score.

Thats not really true.  Carrying a debt month to month can also be viewed as a negative.  Especially when buying a home.  So, in a perfect world, you'd have a credit card you paid off in full each month. 

Yeah, it never made sense to me, but that's what I'd been told by some of our real estate agent friends. Not like a huge debt that you'll never be able to pay off, but just like a few hundred that you pay off over a few months.

[Madrun Badrun]

should I get a credit card while I'm young to start to gain a credit history?  Chances are I wont use it. 

[pollo]

Never had a credit card in my life and when the realtor checked my credit score it was at 711..

Its cause Ive taken out 16OOO bucks to pay for college. Having loans will help you with it.

[Mr. Gundam]

should I get a credit card while I'm young to start to gain a credit history?  Chances are I wont use it. 

It doesn't hurt, but you'll need to actually use it and pay it off for it make a difference in terms of your credit score.

[Madrun Badrun]

should I get a credit card while I'm young to start to gain a credit history?  Chances are I wont use it. 

It doesn't hurt, but you'll need to actually use it and pay it off for it make a difference in terms of your credit score.

O then I wouldn't.

What does a good credit score get you?  Other than the banks are more trusting. 

[Mr. Gundam]

should I get a credit card while I'm young to start to gain a credit history?  Chances are I wont use it. 

It doesn't hurt, but you'll need to actually use it and pay it off for it make a difference in terms of your credit score.

O then I wouldn't.

What does a good credit score get you?  Other than the banks are more trusting. 

It helps you get credit cards, it helps when you go to buy a new car, and it helps when you want to buy a house. Also, employers are starting to look at credit scores when looking at people for jobs.

[Madrun Badrun]

but it doesn't help to get lower interest or anything like that? 

[Mupepe]

but it doesn't help to get lower interest or anything like that? 

it does

[Oblivion]

Is this freecreditreport thing legit? Are there any fees and shit?

[Mr. Gundam]

Is this freecreditreport thing legit? Are there any fees and shit?

You can legally get a free credit report once a year every year. No fees, at least not when I've done it in the past.