Discover sent me a free credit report. Here's the skinny:

Score: 765/830
Credit Card Debt (Total, 3 cards): $45
Loan Debt (Total, 2 Accounts): ~$11K

I'm still curious how I've got $45 of credit card debt, I pay that junk off monthly.

5/27/2008 2:54:41 PM

you need to pay off that 11k there big cat.

5/27/2008 3:14:13 PM

Your credit report is going to show the balance that reports when the statement closes that month whether or not you pay it off immediately, which is where the 45 dollars probably came from.


Also, you should get your real FICO score because that could be way off from the fake score that Discover gives you.

5/27/2008 3:17:32 PM

5/27/2008 3:20:26 PM

Handyman #4 ..................Symeguy69

5/27/2008 3:22:32 PM

I've got like a grand in CC debt...

and, I dunno, another 50k in loans

5/27/2008 3:26:09 PM

Quote :

"Also, you should get your real FICO score because that could be way off from the fake score that Discover gives you."

true dat.

5/27/2008 3:46:59 PM

double true.

5/27/2008 3:47:46 PM

you need to pay off that 11k there big cat.

5/27/2008 3:50:38 PM

If you're using Discover, your credit probably isn't that good to begin with.

5/27/2008 3:54:30 PM

sick burn!

5/27/2008 3:56:35 PM

RBC said it was 735.



i hax0red the system

5/27/2008 4:04:16 PM

745.

[Edited on May 27, 2008 at 5:03 PM. Reason : building credit with a CC i pay off and only 8.5K in loans]

5/27/2008 5:02:01 PM

according to NC SECU, just shy of 800, bitches

5/27/2008 5:02:43 PM

thx for letting me know whose identities I should try stealing

5/27/2008 5:04:46 PM

you need to pay off that 11k there big cat.

5/27/2008 8:42:12 PM

597

7/16/2008 2:34:16 PM

-50.pi

7/16/2008 2:37:51 PM

789
$16k in student loans
2 credit cards i pay off in full both with $10k+ CL's.

8/10/2008 5:06:37 AM

350

CC - $20,000 (5 cards)
Loan Debt - $20,000
Bills charged off - Gym, Guthy-Renker, Cell Phone

My life has been le suck since a friend of mine dicked me over.

8/10/2008 6:17:51 AM

765

Credit Card Debt (total 4 cards): about 1200 (already paid off though)
Load Debt (camera equipment): about 2000 left

my score has been steadily increasing in the past year.

8/10/2008 6:18:42 AM

-WAT

8/10/2008 6:56:44 AM

what's the best way to get your FICO score? i have no idea what mine is, and should prob run a credit check on myself anyway to make sure there's nothing i need to fix prior to buying a house in the spring.

8/10/2008 10:50:01 AM

transunion, experian, equifax?

8/11/2008 2:08:52 AM

N/A

8/11/2008 2:11:05 AM

bad


nuff said

8/11/2008 2:18:13 AM

MyFICO.com is the fastest way to get your accurate scores.

8/11/2008 2:18:55 AM

How much does ^ cost? I've always wondered what my credit score was.

8/11/2008 2:21:21 AM

You get one for free (Equifax, I think) for 30 days and you have to pay $16 a piece for the other two, but it beats annualcreditreport.com, which is free, but you have to go through an extensive identity history, and everyone I've known who has tried it has failed.

8/11/2008 2:22:48 AM

the law requires that you get 1 free per year from all 3 top credit reporting agencies. so you can space them out to where you can check it every 4 months for free.

8/11/2008 2:25:10 AM

^That is a good point.

8/11/2008 2:25:37 AM

They don't seem to have a free report available from Equifax. They want $50.

8/11/2008 2:26:15 AM

mine was so good I never used credit, so I didn't have a credit history. sooo..... when I aplied for a job they were like- you don't exist. ha ha ha. but then I couldn't get a credit card I thought I was being responsible geting a debit card in college instead of a CC. My father finally had to hook me up with a CC a year ago so that I could exist.

8/11/2008 2:26:26 AM

http://www.freecreditreport.com

8/11/2008 2:27:03 AM

^^^ Sign up for a free trial!

8/11/2008 2:27:46 AM

Eh, they want my credit card info for a free trial, I don't like that idea.

8/11/2008 2:28:24 AM

Hahahahaha. Are you afraid of talking to a human being to cancel before the free trial ends? THAT'S WHAT THEY WANT!

8/11/2008 2:29:19 AM

I don't like talking to human beings period if I can avoid it!

8/11/2008 2:30:11 AM

just google "free credit report". i forget who I used, but they just rotate it every 4 months through the 3 different agencies so I never have to pay anything. seriously, it's the law. you are entitled to get it for free from all 3 companies once a year. so definitely don't pay for it and don't give your credit card. fuck a free trial, you can get it free free.

[Edited on August 11, 2008 at 2:31 AM. Reason : a]

8/11/2008 2:30:13 AM

you can get your credit report free but not the Fico score
you have to pay for that

8/11/2008 2:34:00 AM

Hmmmmmmm.

8/11/2008 2:34:22 AM

^^ not true

8/11/2008 2:34:53 AM

My social security number is 182-55-4985

8/11/2008 2:35:15 AM

no it's not!

8/11/2008 2:36:26 AM

dude, did you seriously just post my SSN?

i thought i could trust you

8/11/2008 2:36:41 AM

freecreditreport.com also asks for my credit card... >.<

8/11/2008 2:59:06 AM

mines like 530.

thats good, right?

8/11/2008 3:35:22 AM

yay for being 50 thousand dollars in debt.

8/11/2008 5:03:47 AM

they always say a man for dress for the job he wants

8/11/2008 9:06:21 AM

0

8/11/2008 9:10:25 AM