credit score

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Posted by chrispar

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Posted by Espo22

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Posted by chrispar

They look at debt to income ratio and revolving debt, delinquencies, lateness

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hahaha im just gonna let you answer these questions

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We just bought a house in sept so all last year i was obsessed with my credit...

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i bought my apartment a few years ago so i dont remember as much lol

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Posted by chrispar

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Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.

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what kind of car

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04 grand am ... i figured i would just finalce it instead of leasing a new car

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Posted by Espo22

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Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.

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well its also other things, not just credit cards, like owning things, a house, car, business, boat whatever lol.

Yeah if you're late just ONE time they take off ALOT of points.

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oh def!!! cause i just remembered something that happened...

one of my stupid student loan co's (before consolidating) never sent me a new payment booklet even though i requested one about 6 times and then sent me a notice about being late and wouldnt fix it.. and i wasnt paying it because i was unsure if i was supposed to because there was a time before that that after paying they put it in deferment and told me i didn thave to pay on it (but i still did)

it pissed me off too because i was never late previously AND always paid extra on it..

the stupid things that can screw up your credit

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Posted by jgl

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Posted by chrispar

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Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.

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what kind of car

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04 grand am ... i figured i would just finalce it instead of leasing a new car

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credit unions are usually the best...oh ok cause FH is a general manager at a car dealership, so i am always curious...lol

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Posted by chrispar

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Posted by jgl

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Posted by chrispar

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Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.

---

what kind of car

---

04 grand am ... i figured i would just finalce it instead of leasing a new car

---

credit unions are usually the best...oh ok cause FH is a general manager at a car dealership, so i am always curious...lol

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NP!! i love my car its my 2nd grand am. I wanted to get a new one but they stopped making it

Hi, I'm with Coach Realtors.

Yes, it's an 850 being the highest.

700 and something is still good. We own a house and have both always paid all of our bills in full and on time and our scores are only in the high 700's. Can never seem to make the 800 mark LOL.

Don't forget you can also buy down your points. There is so many different ways of creative financing these days just no interest only loans please! I see too many forclosures going that route.

Your score may also be low if you have ALOT of open credit on your cards that actually works against you. If you ever notice credit card companies almost every year love to add more open credit to your cards so just stay on top of that. Once a year for $5 you can run your credit report I believe w/experian and you can view all of your accounts. With fraud and all it's also a good tool to use every year to just check to make sure everything is safe & sound. Good Luck!!

Thanks ladies! I just checked over mine! I'm glad you guys brought this up.