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Poll: Credit score?

What is your credit score?  Feel to discuss or not.  I'm just curious and want to liven up this Friday.  :-)
[Poll]
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Re: Poll: Credit score?

  • Mine was in the low 800s when we closed on a mortgage at the end of September.  I'm assuming it's still in that same range.

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  • i am THRILLED that mine is nearing 800. i completely destroyed my credit in my early 20s and it's taking time and diligence to build it back up again. it's funny because even though i know my score is really good, i still carry that "i have bad credit" feeling. i think it will take a while to reverse that.
  • I know only 13 people have voted so far, but 38% have no clue? How do you not know what your credit score is? Do you just pay cash for everything so you've never had your credit run?
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  • I haven't checked it since we got our mortgage almost 3 years ago, but I'm assuming it's still around the same number.
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  • imagehuwehotaling:
    I haven't checked it since we got our mortgage almost 3 years ago, but I'm assuming it's still around the same number.

    That would have been my answer last week.  We haven't bought anything "big" in 3 years since buying our house.  DH had ours checked and we just got the scores in the mail so I was curious where other people are sitting.  I'm SUPER close to breaking 800.  I really want to get there.  DH is just a few points behind me.  

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  • imagesjb&apa:
    I know only 13 people have voted so far, but 38% have no clue? How do you not know what your credit score is? Do you just pay cash for everything so you've never had your credit run?

    I've never asked what my score was...I guess I really don't care either.  I have credit, I pay it in full every month, I have installment loans that I pay on time every month, I just have so many other things in my life to pay attention to that caring what my credit score isn't on that list. 

    Now if you asked me how much I was saving for retirement or putting in my kids 529 plan I might have a different view because I worry a ton about that, and know my contributions to both aren't the greatest.

  • imagesjb&apa:
    I know only 13 people have voted so far, but 38% have no clue? How do you not know what your credit score is? Do you just pay cash for everything so you've never had your credit run?

    I've taken out student loans, but I don't think they ever cared about my credit score for my student loans. Our other loans (house, husband's car) were taken out 7+ years ago in my husband's name before we were married.

    I knew my credit score in the past (like 10 years ago)... I remember it was actually better than my husband's, but not as high as I'd expected it to be.  But I don't remember what the number was, and I don't know what my current score is.  I could guess, but it would just be a guess. I guess I just haven't had any recent need to know what my score is...

  • imagesjb&apa:
    I know only 13 people have voted so far, but 38% have no clue? How do you not know what your credit score is? Do you just pay cash for everything so you've never had your credit run?

    I probably wouldn't know if it hadn't been for our recent real estate purhcase.

    We check our free credit reports every year, but I never actually pay for the scores.

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  • We just refinanced a few months ago so we found out what our scores were. Otherwise I don't care anymore. I used to, especially after ruining my credit in my early 20's. However, after reading The Total Money Makeover by Dave Ramsey and we have now begun his 13 week course called Financial Peace University at Crossroads Church in Woodbury, we have drawn our line in the sand. We will not take on any further debt, we will pay cash for our purchases. Perhaps someday we may take out a 15yr mortgage on our next home but that is 10yrs down the road at least. Other than a 15yr mortgage we have decided to never carry debt again.
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  • imageakstanl:
    However, after reading The Total Money Makeover by Dave Ramsey and we have now begun his 13 week course called Financial Peace University at Crossroads Church in Woodbury, we have drawn our line in the sand.

    My parents just got done with this class.  They really enjoyed it and highly recommended it to us.  We just have to find a night that we aren't busy and then look into the classes!

    I am in the same category as a lot of other ladies.  I get the free report but never pay to find out my score.  After buying our house, I haven't really had the need to know it.  It is on our list of things to do in 2011 when we meet with a financial planner for the first time.  Should be interesting!

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  • imagestrength:
    i am THRILLED that mine is nearing 800. i completely destroyed my credit in my early 20s and it's taking time and diligence to build it back up again. it's funny because even though i know my score is really good, i still carry that "i have bad credit" feeling. i think it will take a while to reverse that.

    This.  I DESTROYED, and I mean, DEEE-STROYED my credit in my 20's.  Its taken a long time, but its over 800 now.  (Having a couple different mortgages and paying off some cars has helped, for sure.)

    Post-credit destroyal (is that a word?) the biggest thing that helped my credit was my first car loan and subsequently paying it off.

  • I only checked the number with one company about a year or two ago. It was in the high 700s. Normally I just get the free reports too.

    For those who don't check, it's worth getting the free reports from annualcreditreport.com to make sure no one has stolen your identity. (The ones in the commercials aren't really free.)

  • imagesmoo&brown:
    .

    For those who don't check, it's worth getting the free reports from annualcreditreport.com to make sure no one has stolen your identity. (The ones in the commercials aren't really free.)

    Thank you!

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