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View Poll Results: What's your FICO score? | |||
Terrific (750+) | 19 | 25.00% | |
Great (700-749) | 16 | 21.05% | |
650-699 | 4 | 5.26% | |
600-649 | 9 | 11.84% | |
550-559 | 2 | 2.63% | |
You dont want to know (365-549) | 7 | 9.21% | |
I dont know/I dont need credit so I dont care | 12 | 15.79% | |
Gaz stole my identity and ruined my credit. | 7 | 9.21% | |
Voters: 76. You may not vote on this poll |
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10-23-2005, 07:31 PM | Topic Starter |
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How's your credit?
This may be a bit controversial, but I am very new to the whole concept of credit scoring, so we'll see what happens. I just got my FICO score today from Experian. I'll need to get a car loan next summer so I'll need to work on my credit till then, but I wanted to see how it compares with a random sampling of chiefs planet fans who are inclined to anonymously vote their range in a poll.
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10-23-2005, 07:40 PM | #2 |
if only i had a hammer
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where is the option for
i have no credit, so fuck off
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10-23-2005, 07:44 PM | #3 |
Has a particular set of skills
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VARSITY
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I have to maintain great credit or I lose my job.
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10-23-2005, 08:21 PM | #4 |
DT CARD COLLECTOR
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Good FICO score = Debt! Who needs it.
Your credit FICO score ranges from 300-850 it is based on your payment history 35%, How much you owe 30% The length of your credit history 15% The type of credit you use 10% and applying for new credit 10% is based on that. Instead of working on your credit sscore till you need a car loan, why don't you save up and pay cash for the car instead? The average car payment in America is $378 over 63 months (source: USA Today) If instead you pay cash for your vehicles and slowly move up in car over time you will be far ahead of the finacial game and have a lot more money than your broke friends who tie up their money paying payments most of their adult life. Remember, "The borrower is slave to the lender" Go here www.daveramsey.com to change your financial future.
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10-23-2005, 08:36 PM | #6 | |
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Quote:
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10-24-2005, 11:53 AM | #7 | |
Super Grover
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Quote:
What do you consider a bad score? Where is the breaking point in where you can't get a loan? Do you know what type of loan you can get with bad credit?
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Quote: ---------------------------------------------------------------------- Originally Posted by Taco John If you're not sure who you're voting for at this point in time, you can abandon all connection to the word "smart." ---------------------------------------------------------------------- Quote: ---------------------------------------------------------------------- Originally Posted by Taco John ...He asked who I am voting for. I told him, "well, that depends... ." |
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10-23-2005, 08:35 PM | #8 | |
MY LITTLE #15
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10-23-2005, 08:43 PM | #9 | |
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Quote:
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10-23-2005, 08:47 PM | #10 |
Supporter
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I could probably live on what Endelt pays in interest.
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10-23-2005, 08:46 PM | #11 | |
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Quote:
In other topics we are probably not far apart. I put away about $200/month (50% matched, so really $300/month) in an extremely diversified 401k with some moderate risk (at 28, I am still young enough to tolerate a lot of risk). I dont own a home or have a mortgage, I rent. I see absolutely no reason not to continue to rent as long as houses continue to be massively overpriced. Everyone is pre-programmed to buy a home as soon as they start making money, but the low price of rent is one of the best-kept secrets in America. In theory, a "fair" rent/month should be 1% of the home's value. Right now, in many places where I live, either the rent is about half the price it should be, home values are nearly twice as high as they should be, or a combination of the two. Even when you figure in the income tax deduction from paying interest, rent is a bargain right now.
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10-23-2005, 09:13 PM | #12 | |
MY LITTLE #15
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Quote:
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10-23-2005, 09:20 PM | #13 | |
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Quote:
If housing prices collapse, I will definitely consider buying.
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10-26-2005, 01:03 PM | #14 | |
Shoot the tube
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Quote:
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10-23-2005, 10:17 PM | #15 | |
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Quote:
ah yes... thanks for getting him started! |
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