What could I do or couldn't do with that score?
Got a credit score of 686..how good is that?
- Thread starter geechiedan
- Start date
It depends on how much you are trying to borrow and how much down you want to put down. The credit crunch got banks all shook. Many of them want the highest FICO score and 25% down on a house. Damn.
that used to be a good score a couple years ago but now that's not what banks want to see. they want to see 700 plus scores and you better have steady income and reserves to get a loan nowadays. 
Department store credit cards with a modest limit (usually less than $1000).
...but you have to leave your shoes.
Obtaining personal lines of credit upto 80K within 3 weeks. or boosting your credit scores to 700 is very easy to do.
with 700 scores you could obtain biz lines of credit upto 240k - 300k within in 4-6 weeks.
with 700 scores you could obtain biz lines of credit upto 240k - 300k within in 4-6 weeks.
686 is bad credit.
750- is Where you want to be.
Shit is going back to the 80's Remember that time when someone pulled out a Gold Mastercard. It really meant that they have money!!!.
750- is Where you want to be.
Shit is going back to the 80's Remember that time when someone pulled out a Gold Mastercard. It really meant that they have money!!!.
Whoaa? How? Lemme guess, I need to PM you right?
More info please!
is there some credit score software or something where i can find out my score?
how does one do it?
how does one do it?
Honestly, that is a good score. Make sure it is the average score by checking all three credit bureaus. Below 670 is the cut off for a decent interest rate. You can qualify for a house in your pay range or even a car, but the second you apply and someone runs your credit that score will drop even if you get approved. I say, sit tight, get all three credit reports, despute whatever is questionable, dont let anyone pull your credit again and pay debts on time, your score will hit 700 buy spring.
And dont buy shit!!!!!! Not yet!!!!!!!!!
And dont buy shit!!!!!! Not yet!!!!!!!!!
go to reputable sight like Suzie Orman, Clark Howard and use their recommended credit score/report links and buy all 3 credit reports for about 30 bucks. Pay it, dont bother bullshittin around. Make sure all three scores are on par, and go over those reports with a fine toothed comb and you make come out with a higher score simply by desputing shit that looks questionable, outdated, or simply wrong. Trust me, it works.
Lastly, google free credit repair, or credit repair tips, shit like that and take a little bit from each link you find.
Depends a few variables but you are in great shape. Credit companies look at your credit as fair, your 14 pts away from good, 750+ is looked at great. As long as your credit card balances aren't near the limited, companies will not turn you away and you will still get great interest rates. Don't listen to these fucking idiots who say it's bad.
A little more than you could with a 650 and a little less than you could with a 700.
ok. where are you getting your information from?
you could have an 800 score. without a substantial income, cash reserves, proper collateral and low debt-to-income ratios, you can practically forget about 300k LOC.
it's not 2004 anymore.
****** his business must have a D&B and assets to obtain that type of funding.
