Mine is about 680. was around 730 but I had a couple late payments on my credit cards (due to late processing online!)
I don't know mine because I'm afraid to check it. I've heard that everytime you check it, it takes a hit? If not, someone please direct me to a legit one online.
If you check it your credit score DOES NOT take a hit. It takes a hit when other parties like credit card companies, banks, stores, etc. do an inquiry for potential credit with them. http://www.annualcreditreport.com
He is correct. there are soft inquiries and hard inquiries. The soft ones are when you just check them for the purpose of knowing. The hard ones are when a company is trying to issue you credit.
BTW, the website I gave you will not give you your actual score just report. If you want scores you will probably have to pay or join a club for a free 30 day trial period.
Thanks. Well, I got my report(s) but no score. I assume that isn't truly free huh? My reports were all squeaky clean though. Not a single missed payment on record as I can tell and all but a couple of accounts completely paid off.
I get mine once a year at myfico.com. I think it costs like $10. Last time I checked my score was 790
With a washington mutual credit card, you can view your FICO credit score for free when you manage your account online, it updates every month. Also gives you a free credit snapshot... like your total revolving balances, number of open credit accnts, ect.
Does a credit score take a hit if a credit card payment is like one day late or does it only take a hit if it is like 30-60 days late?
It is only reported if it is 30 days late and every 30 days there after. So it would be reported as 30, 60, 90, and so on. The thing about paying your credit card bill on time is the huge fees (usually around $30) you pay when you do not that add on to your balance which IS reported. Let's say your limit is $500 and your balance is $300. Well that $300 is reported as a revolving account and the late fee would make it $330. Let's say with that same card you have a $485 balance. The late fee would push it above your limit to $515 then you would get hit with an over-limit fee of about $30 for a total of $545. This is bad because it gets reported to your credit and it shows up like this: Account balance: $545 Account limit: $500 Account balance high: $545 And even if you pay it down to say $400 it would still show up like this: Account balance: $400 Account limit: $500 Account high balance: $545 So you see where it can and could hurt.
I know it is in the 800s....I just don't remember what it is.... When we bought the house the mortgage broker told me that a score like mine is unusual for people of my age, usually people with my type of score are in their 60s. As for credit, I carry no debt other than my house, and that is only because it is a 30 year fixed mortgage at 4-7/8ths. I use credit cards to do all my grocery and gas and shopping but pay them off each month. I only use them to get airmiles... Oh and the only way I would have a car payment is if it is zero percent interest, so I can make money on my money while I pay off the car. DD
Dear DaDanta Claus, All I want for Christmas is a 37-inch Westinghouse LCD TV for my garage. Love, Xerobull
