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ITT: Your FICO Score

These days you can get your FICO score, free. Just use Mint,...
Disgusting boiling water
  02/25/15
how's you're mortgage?
talented circlehead theatre
  02/25/15
I rent. MFH.
Disgusting boiling water
  02/25/15
then how is you're score so hi
talented circlehead theatre
  02/25/15
738. Was 795 before my most recent round of credit card chur...
180 partner
  02/25/15
Do you churn and burn for points?
Disgusting boiling water
  02/25/15
Ofs
180 partner
  02/25/15
576
arrogant frozen preventive strike
  02/25/15
i feel like such a bum
arrogant frozen preventive strike
  02/25/15
How is this even possible?
pale electric public bath
  02/25/15
decided to stop paying on a couple of credit cards. was 200 ...
arrogant frozen preventive strike
  02/25/15
deadbeat
pale electric public bath
  02/25/15
bootlicker
arrogant frozen preventive strike
  02/25/15
tastes good man
pale electric public bath
  02/25/15
...
arrogant frozen preventive strike
  02/25/15
...
mint base halford
  02/25/15
Nice. Mortgage or student loan payments (in good status)? Ju...
Disgusting boiling water
  02/25/15
student loans
mint base halford
  02/25/15
Yea. They up my score as well.
Disgusting boiling water
  02/25/15
670
comical factory reset button range
  02/25/15
799 Fucking 1 nigga shrimp away Credit Karma is the be...
Aromatic saffron keepsake machete
  02/25/15
This is a conversation about FICO, lel breh. Credit Karma d...
Heady juggernaut
  02/25/15
...
Ruddy gaming laptop
  02/25/15
735 last time I checked. Fucking parents told me to never ge...
Floppy Office
  02/25/15
814. Was sub-700 up until about 3 years ago.
Boyish Stag Film
  02/25/15
785 (and for bro's with discover cards, you can look it up f...
offensive crackhouse
  02/25/15
Doing this with three cards at the moment. 795.
Titillating high-end native sex offender
  02/25/15
835 niggas
pale electric public bath
  02/25/15
849
Wine Pervert
  02/25/15
812 Transunion.. you MAD whitey?
naked brethren
  02/25/15
maybe someone can explain this. according to CreditKarma, my...
Fluffy brilliant forum bbw
  02/25/15
its all fraud and lies, there are at least three major diff ...
naked brethren
  02/25/15
Discover is giving you the real FICO score that most lenders...
offensive crackhouse
  02/25/15
ty
Fluffy brilliant forum bbw
  02/25/15
Mint actually gives FICO as well. But yea, many give the ...
Disgusting boiling water
  02/25/15
Same here. CK says 740s, Mint says 799.
cyan marketing idea brunch
  02/25/15
those of you in the 800's need to get on dat credit card sig...
Fluffy brilliant forum bbw
  02/25/15
at some point u can sign up for almost everything and cant g...
naked brethren
  02/25/15
yeah, at some point. some cards you can churn over and over....
Fluffy brilliant forum bbw
  02/25/15
i feel like i have raped chase in the ass so many times that...
naked brethren
  02/25/15
last time i called Chase reconsideration the guy told me poi...
Fluffy brilliant forum bbw
  02/25/15
What do you say if you have no business? I know there are w...
Self-absorbed umber national security agency toaster
  02/25/15
I think some cards dont care if u actually have a business. ...
naked brethren
  02/25/15
say you buy and sell collectibles on eBay or do legal work o...
Fluffy brilliant forum bbw
  02/25/15
792
Ruddy gaming laptop
  02/25/15
747 and I have never missed a bill and have about $100k in c...
Heady juggernaut
  02/25/15
Yep. Paying a loan and being in good status ups your score.
Disgusting boiling water
  02/25/15
nm my above question then. lol
talented circlehead theatre
  02/25/15
Yeah I guess. I don't really care though; got a 3.625 mortg...
Heady juggernaut
  02/25/15
Nice rate.
Disgusting boiling water
  02/25/15
This. FICO is used to both assess risk and identify profita...
Ruddy gaming laptop
  02/25/15
bout 750
adventurous parlour
  02/25/15
692
odious church
  02/25/15
815. u mad deadbeats?
abusive nubile orchestra pit son of senegal
  02/25/15
No idea, is there anyway to get this without entering all ki...
Red depressive
  02/25/15
capital one and discover both give me mine for free. they e...
abusive nubile orchestra pit son of senegal
  02/25/15
Dont have a cap one or discovery card
Red depressive
  02/25/15
amex used to to it too but idk i haven't had an amex in a wh...
abusive nubile orchestra pit son of senegal
  02/25/15
Eh, I'm not really that concerned. I'd have to imagine my sc...
Red depressive
  02/25/15
creditkarma now gives transunion and equifax for free but u ...
naked brethren
  02/25/15
free if you have a Citi card: http://www.mymoneyblog.com/...
Fluffy brilliant forum bbw
  02/25/15
TYTY 830 Key Factor(s) affecting your FICO® Score ...
Red depressive
  02/25/15
Mine is 770, but LJL at people in this thread taking pride w...
Self-absorbed umber national security agency toaster
  02/25/15
(guy maf he can't cop 800+)
abusive nubile orchestra pit son of senegal
  02/25/15
A little bit
Self-absorbed umber national security agency toaster
  02/25/15
811
Ruby violent roommate
  02/25/15
Mint says 280. But that lenders view me as low risk. Somet...
Trip Legal Warrant
  02/25/15
Mint says 689. Discover 702.
lascivious impertinent tank casino
  02/25/15
818 ftw
Gold charismatic new version hunting ground
  02/26/15
782
at-the-ready rebellious faggot firefighter
  02/26/15


Poast new message in this thread



Reply Favorite

Date: February 25th, 2015 7:19 PM
Author: Disgusting boiling water

These days you can get your FICO score, free. Just use Mint, Discover, etc.

What is your current score?

Mine is currently 805

Note: This thread is about FICO scores. Not the other flame credit scores.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391253)



Reply Favorite

Date: February 25th, 2015 7:19 PM
Author: talented circlehead theatre

how's you're mortgage?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391258)



Reply Favorite

Date: February 25th, 2015 7:21 PM
Author: Disgusting boiling water

I rent. MFH.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391275)



Reply Favorite

Date: February 25th, 2015 8:01 PM
Author: talented circlehead theatre

then how is you're score so hi

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391600)



Reply Favorite

Date: February 25th, 2015 7:19 PM
Author: 180 partner

738. Was 795 before my most recent round of credit card churning.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391261)



Reply Favorite

Date: February 25th, 2015 7:21 PM
Author: Disgusting boiling water

Do you churn and burn for points?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391280)



Reply Favorite

Date: February 25th, 2015 7:26 PM
Author: 180 partner

Ofs

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391323)



Reply Favorite

Date: February 25th, 2015 7:22 PM
Author: arrogant frozen preventive strike

576

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391287)



Reply Favorite

Date: February 25th, 2015 7:45 PM
Author: arrogant frozen preventive strike

i feel like such a bum

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391474)



Reply Favorite

Date: February 25th, 2015 7:46 PM
Author: pale electric public bath

How is this even possible?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391482)



Reply Favorite

Date: February 25th, 2015 7:49 PM
Author: arrogant frozen preventive strike

decided to stop paying on a couple of credit cards. was 200 something last year. right now i have 3 bad reports

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391512)



Reply Favorite

Date: February 25th, 2015 7:50 PM
Author: pale electric public bath

deadbeat

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391515)



Reply Favorite

Date: February 25th, 2015 7:50 PM
Author: arrogant frozen preventive strike

bootlicker

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391520)



Reply Favorite

Date: February 25th, 2015 7:51 PM
Author: pale electric public bath

tastes good man

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391523)



Reply Favorite

Date: February 25th, 2015 7:52 PM
Author: arrogant frozen preventive strike



(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391541)



Reply Favorite

Date: February 25th, 2015 7:24 PM
Author: mint base halford



(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391304)



Reply Favorite

Date: February 25th, 2015 7:26 PM
Author: Disgusting boiling water

Nice. Mortgage or student loan payments (in good status)? Just paid off an auto loan?

Edit: Why'd you delete, bro?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391320)



Reply Favorite

Date: February 25th, 2015 7:26 PM
Author: mint base halford

student loans

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391326)



Reply Favorite

Date: February 25th, 2015 7:27 PM
Author: Disgusting boiling water

Yea. They up my score as well.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391336)



Reply Favorite

Date: February 25th, 2015 7:25 PM
Author: comical factory reset button range

670

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391310)



Reply Favorite

Date: February 25th, 2015 7:27 PM
Author: Aromatic saffron keepsake machete

799

Fucking 1 nigga shrimp away

Credit Karma is the best for this btw

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391335)



Reply Favorite

Date: February 25th, 2015 7:48 PM
Author: Heady juggernaut

This is a conversation about FICO, lel breh. Credit Karma doesn't give you FICO so GTFO.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391501)



Reply Favorite

Date: February 25th, 2015 7:51 PM
Author: Ruddy gaming laptop



(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391525)



Reply Favorite

Date: February 25th, 2015 7:33 PM
Author: Floppy Office

735 last time I checked. Fucking parents told me to never get a CC and I believed them until senior year of college. If I had a longer credit history I'd easily be in the 800+ club.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391385)



Reply Favorite

Date: February 25th, 2015 7:37 PM
Author: Boyish Stag Film

814. Was sub-700 up until about 3 years ago.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391426)



Reply Favorite

Date: February 25th, 2015 7:40 PM
Author: offensive crackhouse

785 (and for bro's with discover cards, you can look it up for free at their website). Would be higher, but I'm playing the "carry a 0% balance until the last minute, then pay it off" game. Also, I rent and bought my car in cash, so I don't have any installment loans on my credit report, putting me in the weird position that the best way to improve my credit score would be to go into debt. At this range, though, improving credit score is mostly flame; I'm already going to qualify for pretty much everything.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391448)



Reply Favorite

Date: February 25th, 2015 7:52 PM
Author: Titillating high-end native sex offender

Doing this with three cards at the moment. 795.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391540)



Reply Favorite

Date: February 25th, 2015 7:45 PM
Author: pale electric public bath

835 niggas

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391471)



Reply Favorite

Date: February 25th, 2015 7:46 PM
Author: Wine Pervert

849

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391478)



Reply Favorite

Date: February 25th, 2015 7:46 PM
Author: naked brethren

812 Transunion.. you MAD whitey?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391483)



Reply Favorite

Date: February 25th, 2015 7:47 PM
Author: Fluffy brilliant forum bbw

maybe someone can explain this. according to CreditKarma, my scores are:

TransUnion: 704

Equifax: 687

according to Barclaycard, my score is 761.

according to Mint, it's 726.

according to Discover, it's 762.

so wtf?

it used to be in the 780's, but it's hovered around 740 to 760 since i've been aggressively churning credit cards. i bought and financed a car at the end of January so that's the most recent hit - their finance department submitted to a ton of lenders and it resulted in a dozen different hard pulls. still kinda pissed about that.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391485)



Reply Favorite

Date: February 25th, 2015 7:48 PM
Author: naked brethren

its all fraud and lies, there are at least three major diff companies making scores

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391499)



Reply Favorite

Date: February 25th, 2015 7:51 PM
Author: offensive crackhouse

Discover is giving you the real FICO score that most lenders actually use. The other scores are flame that nobody cares about. 762 is high enough that you're doing great and are unlikely to be turned down for anything.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391528)



Reply Favorite

Date: February 25th, 2015 7:56 PM
Author: Fluffy brilliant forum bbw

ty

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391566)



Reply Favorite

Date: February 25th, 2015 8:00 PM
Author: Disgusting boiling water

Mint actually gives FICO as well.

But yea, many give the flame score that some of the credit agencies made up. It goes from like 500 - 1000, so peeps get it confused with the real FICO score and think they have a good score when it is actually shit.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391596)



Reply Favorite

Date: February 25th, 2015 8:08 PM
Author: cyan marketing idea brunch

Same here. CK says 740s, Mint says 799.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391651)



Reply Favorite

Date: February 25th, 2015 7:47 PM
Author: Fluffy brilliant forum bbw

those of you in the 800's need to get on dat credit card sign up bonus game

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391494)



Reply Favorite

Date: February 25th, 2015 7:51 PM
Author: naked brethren

at some point u can sign up for almost everything and cant get bonus again..

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391524)



Reply Favorite

Date: February 25th, 2015 7:54 PM
Author: Fluffy brilliant forum bbw

yeah, at some point. some cards you can churn over and over. mostly business cards now.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391556)



Reply Favorite

Date: February 25th, 2015 7:59 PM
Author: naked brethren

i feel like i have raped chase in the ass so many times that now they suspect me when i apply but yeah business cards help

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391588)



Reply Favorite

Date: February 25th, 2015 8:07 PM
Author: Fluffy brilliant forum bbw

last time i called Chase reconsideration the guy told me point blank when i pushed him "it has nothing to do with your credit. i'm not giving you another card. wait a few months and apply again." this was for the Chase Ink Plus 70K offer a few months ago. tbf at the time i had 6 open accounts with them and had cancelled 2 others within the last six months.

last Amex card i applied for my denial letter i got in the mail had only one reason in the list of reasons they denied, it was "You have too many existing open accounts with American Express." i'm just about out of Amex cards i can get anyway. last one i'm waiting on is a 100k targeted offer for biz platinum.

i have 45K nearly useless Virgin Atlantic miles because i got the BoA card from them because i'm running out of banks. didn't realize how shitty they were until after i got the card. they make Delta miles look like gold.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391632)



Reply Favorite

Date: February 25th, 2015 8:59 PM
Author: Self-absorbed umber national security agency toaster

What do you say if you have no business? I know there are ways, but I never pulled the trigger?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392064)



Reply Favorite

Date: February 25th, 2015 9:03 PM
Author: naked brethren

I think some cards dont care if u actually have a business. U can just make up a name. It still gets listed under ur SS so dont think they care though my business cards are a bit different in that I can get multiple cards for diff employees but it only counts as one account

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392089)



Reply Favorite

Date: February 25th, 2015 9:28 PM
Author: Fluffy brilliant forum bbw

say you buy and sell collectibles on eBay or do legal work on the side or something. enter your social security number for the tax id for the business. it's mostly based on your personal credit.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392219)



Reply Favorite

Date: February 25th, 2015 7:52 PM
Author: Ruddy gaming laptop

792

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391538)



Reply Favorite

Date: February 25th, 2015 7:59 PM
Author: Heady juggernaut

747 and I have never missed a bill and have about $100k in credit. Just bought a house and got a new CC though so expect that it will rebound shortly. Ironically I think it is artificially low because I had no college or law school loans.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391591)



Reply Favorite

Date: February 25th, 2015 8:01 PM
Author: Disgusting boiling water

Yep. Paying a loan and being in good status ups your score.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391599)



Reply Favorite

Date: February 25th, 2015 8:01 PM
Author: talented circlehead theatre

nm my above question then. lol

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391601)



Reply Favorite

Date: February 25th, 2015 8:02 PM
Author: Heady juggernaut

Yeah I guess. I don't really care though; got a 3.625 mortgage locked in and plenty of assets. Joke's on them.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391608)



Reply Favorite

Date: February 25th, 2015 8:03 PM
Author: Disgusting boiling water

Nice rate.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391609)



Reply Favorite

Date: February 25th, 2015 8:11 PM
Author: Ruddy gaming laptop

This. FICO is used to both assess risk and identify profitable customers.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391674)



Reply Favorite

Date: February 25th, 2015 8:04 PM
Author: adventurous parlour

bout 750

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27391611)



Reply Favorite

Date: February 25th, 2015 8:52 PM
Author: odious church

692

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392004)



Reply Favorite

Date: February 25th, 2015 8:57 PM
Author: abusive nubile orchestra pit son of senegal

815. u mad deadbeats?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392048)



Reply Favorite

Date: February 25th, 2015 8:57 PM
Author: Red depressive

No idea, is there anyway to get this without entering all kinds of personal info on one of these sites?

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392050)



Reply Favorite

Date: February 25th, 2015 9:02 PM
Author: abusive nubile orchestra pit son of senegal

capital one and discover both give me mine for free. they even send me a reminder each month to log in and check it. try one of those if you have it.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392082)



Reply Favorite

Date: February 25th, 2015 9:04 PM
Author: Red depressive

Dont have a cap one or discovery card

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392097)



Reply Favorite

Date: February 25th, 2015 9:06 PM
Author: abusive nubile orchestra pit son of senegal

amex used to to it too but idk i haven't had an amex in a while

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392107)



Reply Favorite

Date: February 25th, 2015 9:24 PM
Author: Red depressive

Eh, I'm not really that concerned. I'd have to imagine my score is pretty high.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392197)



Reply Favorite

Date: February 25th, 2015 9:08 PM
Author: naked brethren

creditkarma now gives transunion and equifax for free but u have to input some info

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392119)



Reply Favorite

Date: February 25th, 2015 9:25 PM
Author: Fluffy brilliant forum bbw

free if you have a Citi card:

http://www.mymoneyblog.com/citi-free-fico-score.html

Barclaycard gives it to you free too:

http://thepointsguy.com/2013/11/barclaycard-cardmembers-get-free-fico-scores-starting-today/

i know you have a US Air card and a Citi AA Exec or Plat, so log in to either of those.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392206)



Reply Favorite

Date: February 25th, 2015 9:37 PM
Author: Red depressive

TYTY

830

Key Factor(s) affecting your FICO® Score

1. Too many inquiries last 12 months

2. Time since most recent account opening is too short

<><><>MILESGAME<><><>

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392286)



Reply Favorite

Date: February 25th, 2015 9:01 PM
Author: Self-absorbed umber national security agency toaster

Mine is 770, but LJL at people in this thread taking pride when anything above 740 is totally irrelevant

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392077)



Reply Favorite

Date: February 25th, 2015 9:03 PM
Author: abusive nubile orchestra pit son of senegal

(guy maf he can't cop 800+)

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392088)



Reply Favorite

Date: February 25th, 2015 9:05 PM
Author: Self-absorbed umber national security agency toaster

A little bit

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392103)



Reply Favorite

Date: February 25th, 2015 9:05 PM
Author: Ruby violent roommate

811

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392106)



Reply Favorite

Date: February 25th, 2015 9:07 PM
Author: Trip Legal Warrant

Mint says 280. But that lenders view me as low risk. Something is flame. Anyways, I know it's about 800 from an actual report a few months ago.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392117)



Reply Favorite

Date: February 25th, 2015 10:48 PM
Author: lascivious impertinent tank casino

Mint says 689. Discover 702.

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27392727)



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Date: February 26th, 2015 11:37 AM
Author: Gold charismatic new version hunting ground

818 ftw

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27394663)



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Date: February 26th, 2015 11:39 AM
Author: at-the-ready rebellious faggot firefighter

782

(http://www.autoadmit.com/thread.php?thread_id=2817651&forum_id=2#27394670)