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Old 07-13-2008
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Arrow Your FICO score follows you for life - about free credit reports

Well...did you guess it?
Its NOT your Social Security Number....

This NUMBER is SO VERY IMPORTANT--that if yours is low.. You WONT get...

a.) a cell phone turned on in your name
b.) a Paypal Debit card
c.) a Favorable interest rate for that new house
as a matter of fact--that "NUMBER" just tweeked 30-40 points can COST YOU
over $500.00 MORE per month on a $250k mortgage..

Well-- you guess it yet??

RIGHT-- your Credit Score--who KNOWS theirs???

--U.S. Statistics show that LESS than 2% of Americans actually KNOW their Credit Scores, OR how to get one...

-- Did you also KNOW that even though you may have a $1,000 credit limit on that Visa card--that "if" you ever use more than $250-$300-- your SCORE DROPS dramatically??? (25-30% of your credit line is called Utilization)..

--Did you know that we ARE in a RECESSION--and that the Creditors are actually Pulling back credit Lines these days??

--ESPECIALLY--if your "score" is lowered??


--WELL--Aspkin has an Answer coming soon-----

Stay Tuned.. AND ..
Please comment- on your OWN experiences...

--How much AVAILABLE credit do YOU have?
--What was the last credit limit your bank gave you?
--Why is it--some folks get a $1500 credit card and folks at the SAME workplace. making the same money get a crd with a $10,000 credit line?

--you NEED credit for just about EVERYTHING..

--Do you know that even Hospitals, are working on a MEDFICO score? IN order to determine how much treatment/services you get???

Always.. Be the BEST you can Be, at Whatever you do! Be Part of the Solution, rather than Part of the Problem.
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Old 07-14-2008
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ok, So NOBODY here worries about their FICO score--or even knows what it is??

--Well, mine is like 808 and I can sign for just about anything.

--Wouldnt it be nice to have a cushion with the recession and all?
Always.. Be the BEST you can Be, at Whatever you do! Be Part of the Solution, rather than Part of the Problem.

Last edited by ebayhateluv; 07-16-2008 at 11:41 AM.
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Old 07-14-2008
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Mine are in the 700's (Fico not fako) although I have frozen exp because I can't "b" off inq. so not really sure where that one stands but it does not matter since no one can pull it. I was inching to the 800's on eq till I lost my ebay accts which caused my utilities to go above 20% which I keep mine normaly between 1 & 10%. Glad you brought this up because I forgot I need to get about 5 inquires off of eq ... that's good for some points.

BTW American Express pulls experian - when they could not pull mine I asked them to pull eq instead and they did ... I was approved.
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Old 07-24-2008
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If you have a cc through wanu, on their cc accounts page they show you your FICO and your recent inquiries. It's kind of interesting to see the # fluctuate each month.
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Old 08-15-2008
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Guys, KNOWING your scores can not only save you $1,000's off a potential MOrtgage...BUT- Wouldnt it be nice to know youre Pre-Qualified for that Line of Credit for your Ebay stock??

Aspkin has a Link at the very bottom of the main page--its a box to save u 20% off your REAL Fico scores.. Heres what a Real Fico looks like..
>> BEFORE I started selling on Ebay--mine was like in the low 600's...Look Now:

Always.. Be the BEST you can Be, at Whatever you do! Be Part of the Solution, rather than Part of the Problem.
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Old 08-15-2008
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You guys would be nice to get some tips about how to boost your credit score, I actually have no credit history. I know of a few things a person can do , here is something that I found awhile ago that might be helpful to first starters. On credit and getting a loan.

"The Bank, Your Best Credit Reference

In order to obtain excellent credit references from several
banks, you will need $500. If you don't have 500 dollars,
perhaps you can borrow this amount from someone, or even save it
up from a weekly pay check. You see, you are not going to
actually spend this money, just a small part of it. Your actual
cost will be minimal compared to the benefits you will ultimately
gain by following this procedure.
Take the $500 and find a convenient bank that offers a day-
of-deposit to day-of-withdrawal type of savings account. Most
Savings and Loans offer this type of account. If you already
have this type of savings account, you will save the bother of
this first step.
A week or two after you have opened this account, apply for
a $500 loan at the same bank, payable in 12 monthly installments.
You will have no trouble getting this loan, no matter what your
past credit history is. This is because you are going to
surrender your savings pass book as collateral for the loan.
Since you have $500 in the account, the bank will not check into
your past credit history since this is a NO RISK loan for them to
make. As a matter of fact, banks love to make this type of loan.
Not only are you a savings customer, but you are taking your loan
business to them and offering as security ... CASH!
Now take your $500 of borrowed money and find a second bank
offering the same day-of-deposit to day-of withdrawal account and
deposit this same amount into the account. Be sure to go to a
totally different second bank and not just another branch of the
first bank. To recap, you now have two savings accounts with a
total of $1,000 earning interest from the day of your deposit.
Now go to the second bank a week or so later and ask for the same
$500 loan using your pass book as collateral. Again, you should
have no problems since this is a no risk loan for the bank.
Repeat this process with a third bank the exact same way you
did with the first two banks. If you have any doubts that this
will work, my clients have done this dozens of times. In only
one case did the banks check with each other only because my
client was foolish enough to write down the names of the other
banks on the application to the third bank. But there are plenty
of banks around, and filling out another application at another
bank solved the problem.
Finally, go to a fourth bank that offers a free checking
account with no minimum balance required. (At the time of this
writing, Roosevelt Savings and Crossland Savings offer this type
of account in the NY City area.) Take the $500 and open a
checking account with it. Make sure the deposit is with cash so
you can start writing checks immediately. Send a check to cover
your first loan payment at each of the three banks, even though
the first payment isn't due yet. A week later make your second
loan payment, and a week after that, make your third loan payment
to all three banks.
You are now three months ahead in your loan payments to
three banks. This serves the following purposes:
1. You have freed up an amount equal to the three payments in
your three savings accounts.
2. You now have an excellent source for a credit reference ...
three banks!
3. You have savings accounts at three different banks plus one
free checking account.
4. You still have most of your $500 intact as about 1/3 or
more of the interest is offset by the interest you are getting
on your savings account.
5. You can now walk into any bank or lender and offer 4 banks
as a reference, three of which you have borrowed from and paid
back early.
6. Credit card companies will discover your excellent repayment
habits when they investigate any application for credit submitted
to them.
A credit investigation at this point should no longer make
you tremble in your boots. In fact, you should welcome these
investigations at this point. The great thing is that you have
accomplished all this at a minimal expense and under 30 - 45
days. " *THe Credit to Jay Anderson, Loan Broker 1986*
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Old 08-15-2008
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Yknow, a real estate 'Guru' I talked to recommended the same thing. I guess I should check it out sometime.

Above and beyond that, if youre a typical person starting out with zero credit and will probably end up with a revolving balance (guess doesnt apply to many here) one itsy tip is :

Dont put all your of your paycheck into one bank.

Sooner or later those *ahem* bas**rds will consider you a good candidate for credit cards, and then Lines of Credit or More credit cards.

If youre in just one bank - when they give you a free 0% on balance transfers from other banks for 6 months on a new wont be able to save that interest payment.
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