What's your FICO score?

[Don Ro]

My girlfriend wants to refi her house so she ck'd her FICO score recently.
I did the same through

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

I was shocked to see that my score is 893.
Anyone else have a surprisingly high score?
What's the highest score anyone has heard of?
.
Also, on the same site, you can see a record of all your loan/debt payments.
Spooky to see how much info they have.

[Porsche-O-Phile]

You don't need to pay to obtain a FICO score - there are lots of ways to get others to get it for you (and then you're entitled to see it by law) on their dime. Just apply for a loan or a credit line someplace.

You can (and should) obtain your credit report annually and correct any outdated/expired/erroneous information. There's always something that seems to make it in there that's either a typo, screwed up or flat-out incorrect. It's free so you're crazy if you don't.

I'd never pay to get a FICO score though.

[IROC]

Funny, we're looking to buy a new house and have been getting some financial stuff together. I received something from the bank yesterday saying my score was 805. It was 823 a couple of years ago, but I don't use credit cards (at all) and that hurts my score.

Edit: 893 is the highest I've ever heard of. My Dad is a freak about keeping his score up and it's only about 830.

[Christien]

Originally Posted by Porsche-O-Phile

Just apply for a loan or a credit line someplace.

You do realize that by doing so, you lower your score, right? It's not much, only a point or 2, but every inquiry on your record lowers your score.

[Dueller]

Originally Posted by Don Ro

I was shocked to see that my score is 893.
Anyone else have a surprisingly high score?
What's the highest score anyone has heard of?
.

You must have turned in something for extra credit...I think the max score is 850

[Rick Lee]

Of you've already decided to refi your house, the mortgage company is going to pull your credit from three bureaus and doing so on your own is not going to save you any money or give you a chance to fix anything before the lender pulls it. It's always a good idea to pull it once a year. But just because the freebie you pull gives you a high FICO doesn't mean the one the bank pulls is going to be as high or that they won't require you to clean up some stuff on there. They usually take the middle of the three scores, BTW.

[masraum]

I've paid for my score once before, while doing the free report from the link above, Equifax offered to give me my score for $6.95. Paying $7 is better than applying for more credit that I don't want or need.

The last time I checked (several years ago) mine was around 800 (very close). I'm sure it's quite different now. I make more money, and have less debt. Funny that it may not actually be higher.

I always thought the score range was 350-850.

From Credit Score Basics at Experian.com

#

Q: What is the credit score range?

A: There are many different credit scores with differing ranges. As a result, it is possible for two different scores to represent the same level of lending risk. When you request a credit score from Experian, you will receive not only a score, but also an explanation of what the number represents in terms of how lenders will view your creditworthiness. If you have a good Experian credit score, you likely will have a good score with lenders, even if the number is different.


Q: What is the score range for VantageScore®?

A: One of the unique features of VantageScore is the scale it uses. Scores range from 501 to 990 in groupings that approximate the familiar academic scale, making it easier for you to understand your score.

* A: 901—990
* B: 801—900
* C: 701—800
* D: 601—700
* F: 501—600 (High Risk)

Keep in mind that there are many different credit scores in the market and the score range will vary by model.

[Don Ro]

Originally Posted by Dueller

You must have turned in something for extra credit...I think the max score is 850

I wondered what the max score was.
Any advantage to the 3 agencies posting a high (false) score?
.
I paid $6.95 or $7.95...can't remember.

[Rick Lee]

The highest I ever saw in the mortgage biz was an 819 and that was rare. Once you get into the high 700's, you're pretty much A+ and can get any loan you want.

[TechnoViking]

Mine is 806, according to the lady who did my re-fi.

[Don Ro]

BTW, Transunion provided my score.
.

[Hugh R]

Co-signed a truck loan for my son a few months ago and it was 825.

[krystar]

they changed the FICO score range like 10 years ago.

I was just talking with my dad over the weekend and thanked him that he put my name on his credit card when I was just starting high school. Didn't realize it until I graduated college and bought a new car on financing. At age 23, I had 9 years of good credit history already.

[gprsh924]

I got a score maybe a year ago when one of the sites was having a special where they gave it to you for free. If I recall correctly, it was 795. I have had the benefit of having a credit card linked to my parents card for 4 years now. They put 99.9% of their purchases on the card and pay in full every month, including a couple years of my dad traveling 35 weeks/yr for work, so there was a ton of spending. Then I have had my own card for 3 years, spending has increased and I too pay in full every month. Plus, I spent a ton of money on my cc for my waterski team that eventually got reimbursed. Literally $5k+ in spending that I got points and credit for that was reimbursed in full.

[Rick Lee]

I've been with my credit union for about 15 years now and have had countless car and bike loans with them, never been late on anything. Now, when I need a loan, I just call them and tell them the vehicle specs and how much I need. They ask me where I want the check mailed and that's about it. I don't know if they even run my credit anymore when I get loans from them. They're not a real small bank, but they do give personal service. I'm closing on a house tomorrow and the FICO for the mortgage app. was 776, IIRC. But again, that's the middle score. They don't average them. My high was 796.

[turbo6bar]

My FICO is probably taking a big hit right now. I stopped paying mortgages on all my rental properties. I'm still collecting rent, so life is good. A rep from some company called and asked if the houses still have insurance. I said, "Sure do," and the rep said, "Thanks. Goodbye." I haven't heard from them in months. Helps that the mortgages are all upside-down big time.

Such is life.

[Rick Lee]

I'm kind of worried about my credit now, as I won't be able to keep paying on my rental condo if it stays vacant much longer. I won't bankrupt myself trying to stave off the inevitable.

[pwd72s]

Don't know my score...really don't care. You see, everything's paid for and I don't forsee a need to borrow for anything.

[Porsche-O-Phile]

The principle of having to pay for "my" score doesn't sit well with me. That's my hangup with it. It ain't the seven bucks, it's the fact that someone can make up a number (using a proprietary formula you don't get to know) which can have a big impact on you and your life, and then have the audacity to try and nickel-dime me to know it? Yeah, that bugs me. So I just don't pay for it. Apply for something, get it, get your FICO and then either pay off the loan or hold the card zero balance. No harm in that and it doesn't cost a thing.

I don't really need credit right now so I kinda' don't care what my FICO is. Last I heard was in late 2008 when we were going to buy the house in CA - I had an 810 or something then. Since that time I ran up a ton on credit (when out of work) and have been paying it down recently. Never late. It's probably a little lower now just from utilization % going up versus where it was in late '08 but I doubt it's much worse. Assuming no other calamities or layoffs or anything, I should be right back to "everything paid off" within a few more months.

The only thing I might decide to buy in the near future I might need credit for is the house we're currently living in, and I've already decided I ain't doing anything on that until 2012 at the earliest (by then we should know for sure what the economy is doing for certain and it's not like rates are going anywhere for a while plus price is only going to drop, although I've pretty much got that worked out with the owner already).

I'm actually surprised credit lenders are still using FICO - it was never intended to be a measure of overall creditworthiness - only specifically an assessment of risk of bankruptcy. Subtle but important difference. For as nitpicky as lenders can be at times, I'm just a little surprised they gloss over this little factoid...

[on2wheels52]

Originally Posted by pwd72s

Don't know my score...really don't care. You see, everything's paid for and I don't forsee a need to borrow for anything.

Same here. Much better being the lender than the lendee.
Jim