Anybody check their credit score/report lately?

20,948
2,218
Joined Jan 19, 2002
i saw one of my scores dropped more than 75 points and there was no changes

i called up the id theft place and they said that beginning 2010, the credit bureus have a new scoring system

anybody else had theirs drop?
 
1,458
13
Joined Sep 5, 2005
Thank you for reminding me. I am trying to get off of the credit grid but I still would like to have a good score.
 
7,758
13,960
Joined Apr 21, 2007
Actually yeah. I'm in enrolled in this identity theft program. And all my credit scores went up, except the Trans Union one, that **$+ dipped 20 points for no reason at all.
 
1,802
20
Joined Dec 23, 2006
I checked my report yesterday for the first time and was pleasantly surprised with my score
 

Mister Meaner

formerly super producer j
Supporter
14,015
5,105
Joined Mar 24, 2007
I closed one of my first credit cards at the beginning of the year & I dreaded checking my score. I did though about a week ago and found my score higher than it has ever been at 723.

That should come in handy in a month or so while I am car shopping.
 
5,974
352
Joined Aug 25, 2005
Its a good habit to check your credit every 6 months or so (or atleast once a year).

Mine took a mean dip in the last 6 months. Around September 09 my I was 800+ on 2 of the bureaus and 770+ on the 3rd. Now all 3 are under 700 with the lowest being 730 range... Putting $10K on my revolving credit really F'd me in the A. Gotta get it back up to 800.
 
5,974
352
Joined Aug 25, 2005
1 more thing for you older NTers lookin to finance stuff in the near future. It looks like 720 is where you need to be at. I'm buyin a home right now and my wife's median score was a 714.... 6 friggin points is costing me atleast 0.125% on my mortgage. It doesn't sound like a lot, but over the course of a 30 year mortgage on a $400K loan, it adds up. FML.
 
3,181
13
Joined Aug 4, 2004
Originally Posted by DoubleJs07

Originally Posted by davidisgodly

who takes 30 year loans?!?! suckers take 30 year loans.
I take it you don't own a house.
.......... good luck on your 30 year mortgage.


I need to check my credit, although I don't think i've done anything to hurt it.
 
590
11
Joined Nov 17, 2007
I checked it and im good takes so damn long to get it up though but if u mess it up goes down 70 points,i use experian.com what are yall using to check,they charge 30 bucks a month but i called them up told them wat up they just charge me 15 a month, i know they got free ones but to me they dont give u all the info u need ,op did u miss a payment,credit card too close to your limits,too many hard inquires  
 
120
10
Joined Oct 13, 2007
I'm 23 years old.. My credit score is 640 #SMH how can I improve and build my credit.. I have 1 CC and a car payment.
 
590
11
Joined Nov 17, 2007
^^^^ it could be lower so for now u good try a secured credit card it helped me when i was younger
 
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