Its a new year! Whats ur credit score? Time to get right my brothas!!!

[FUCKYOU]

https://www.annualcreditreport.com

I REMEMBER THE FIRST TIME I SAW A THREAD ABOUT FIXING UR CREDIT ON BGOL... MY SCORE WAS IN THE 400'S BACK THEN AND WHEN I COPPED MY HUMMER IN SEPTEMBER I WAS TOLD MY SCORE WAS 667.. I THANK BGOL FOR THE HELP! LETS DO IT GUYS! GET UR FREE CREDIT REPORT ABOVE!!

ALSO PLEASE DROP KNOWLEDGE ON HOW TO GET CREDIT SCORES FOR A CHEAP PRICE ONLINE! TIME TO GET UR SHIT TOGETHER BRODAS!!

 

[MissMighty]

uh yeah
http://www.bgol.us/board/showthread.php?t=652437

 

[Complex]

400's, damn...didn't know that was possible

Is it like the SAT?

 

[doggish_098]

12...

 

[Darth Furious]

Thanks for this one fam - I SWEAR I just told wifey we about to get our shit back on point. Three months and all should be well.



oNE

 

[Temujin]

A good credit score is great but this recent crisis should tell us that we should be borrowing less money. Using cash more. All credit score indicates is how cheaply you can borrow money. If you are spending your own money then it's meaningless.

A credit score for a better credit card is dumb. For any depreciable asset is dumb. For a house in a declining market is dumb. The only way borrowing money makes sense is if your using it to make more money or money at a higher rate than what your spending on interest.

I would spend more time worrying about increasing my cash inflows than my credit worthiness.

 

[greygoose]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

 

[FUCKYOU]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

priceless info! thanks

 

[greygoose]

A good credit score is great but this recent crisis should tell us that we should be borrowing less money. Using cash more. All credit score indicates is how cheaply you can borrow money. If you are spending your own money then it's meaningless.

A credit score for a better credit card is dumb. For any depreciable asset is dumb. For a house in a declining market is dumb. The only way borrowing money makes sense is if your using it to make more money or money at a higher rate than what your spending on interest.

I would spend more time worrying about increasing my cash inflows than my credit worthiness.

this is not entirely correct. you own a car...i assume. what do you think the interest rate is based on?
and your credit file can be a factor in employment. credit worthiness and cash flow go hand in hand, and we wont even start talking about the importance of business credit.

we live in a credit world. im not saying its the best world to live in, but you gotta adapt to this capitalist, credit society otherwise you'll always be poor. cash can only take you so far, at some point you'll need credit extension which is tied to your credit worthiness.

at some point or another lack of credit (or bad credit) is going to bite you in the ass big time.

you go ahead and live in your cash world and see how far you go. i bet you have a credit card or cards

 

[greygoose]

priceless info! thanks

the best trick ive learned, is if you had an amex years ago and closed it in good standing. open up a new amex and they'll "backdate" your card, giving you years of history on your amex. this is about to give my scores a boost

 

[Mr.Chuckles]

my credit score is fair, had two credit cards from highschool that are still floating around on my credit and i refuse to pay them 1k for each i keep offering them 100.00 dollars and that's it.

I might need to seek professional help other than that i'm good with a 619 score, it's not great but with this crisis allot of people took hits with homes and i'm glad i'm not one of them.

 

[rph2005]

Op aren't u in NAija? What do u need a good credit score for?

 

[L_SON]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

CS! The first thing brothers got to learn is the difference between FAKO's and FICO scores. Google it for a good break down.

Pull your reports, and make sure everything is correct. If you see incorrect shit, dispute that mother fucker!

If you got collections on your shit, send the CA (Collection agencies) debt validation letters like mug!

If they are trying to collect a debt from you, make sure it's within your states SOL and never ever do anything over the phone with a CA (Collection agencies) get any agreement in writing before paying anything.

Good credit pullers are USAA, my privacy matters (sign up using http://www.eliminateidtheft.com) They pull all 3 reports.

 

[FUCKYOU]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

priceless info! thanks

 

[greygoose]

Whats keeping your score so low?
I mean its not butt ugly low, but you know.....you need to be in the 700 club, prefereably 720+
What do you need to do?

 

[gamersfuel]

under 700 shouldnt be acceptable. thats probably average at best. around that 650 mark isnt exactly good. aim for 720+

 

[Mean Money Greene]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

Walmart Card gives you your transunion FICO every month...I have this card.
Digital Credit Union gives you your Equifax FICO every month...i have an account there.
PSECE gives you your Experian Fico every month....i have an account and card there.
NFCU doesn't give you any FICO but they give you a discount for Equifax complete which lets you monitor your credit reports....I do alot of business with NFCU.

 

[greygoose]

Walmart Card gives you your transunion FICO every month...I have this card.
Digital Credit Union gives you your Equifax FICO every month...i have an account there.
PSECE gives you your Experian Fico every month....i have an account and card there.
NFCU doesn't give you any FICO but they give you a discount for Equifax complete which lets you monitor your credit reports....I do alot of business with NFCU.

there you go. Thats one of the ways to get experian fico, there arent too many options
I think you meant PSECU though

 

[(0_0)..l.. finger]

I don't need credit because my paper is right.

 

[Artist Monk]

749 and that was last year in spring.....


*Credit card purchase
Little secret learned from my girl working at Macy's is that if you buy big purchase, few hundred to several thousand dollars and keep it till credit card cycle is over then return after your you receive bill it looks as if you bought and paid it off on your credit card.....this boost credit over time as well.

Always pay a dollar more than your minimum on card.

Report says ...paid below minimum, paid minimum or paid above minimum...........so a dollar or two above minimum is in your BEST interest.

Never close your own credit card, just let them close out from inactivity.

LOOKING AT YOUR OWN CREDIT SCORE DOES NOT AFFECT THE SCORE NO MATTER HOW MUCH YOU LOOK AT IT.

You're welcome

 

[Mean Money Greene]

I don't need credit because my paper is right.

I hope that's sarcasm.

 

[King D]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

Thanks for the knowledge!

 

[jagu]

Thanks for the knowledge!

There's no knowledge there. I have never got a fico score. All my scores are above 750 and I always get the best rates, so fico is not necessary.

 

[greygoose]

There's no knowledge there. I have never got a fico score. All my scores are above 750 and I always get the best rates, so fico is not necessary.

name lenders or credit products that you have acquired that use scoring other than FICO for evaluation

 

[Rick Ronson]

A good credit score is great but this recent crisis should tell us that we should be borrowing less money. Using cash more. All credit score indicates is how cheaply you can borrow money. If you are spending your own money then it's meaningless.

A credit score for a better credit card is dumb. For any depreciable asset is dumb. For a house in a declining market is dumb. The only way borrowing money makes sense is if your using it to make more money or money at a higher rate than what your spending on interest.

I would spend more time worrying about increasing my cash inflows than my credit worthiness.

the average American doesn't think smart like that

 

[smokeon2006]

A good credit score is great but this recent crisis should tell us that we should be borrowing less money. Using cash more. All credit score indicates is how cheaply you can borrow money. If you are spending your own money then it's meaningless.

A credit score for a better credit card is dumb. For any depreciable asset is dumb. For a house in a declining market is dumb. The only way borrowing money makes sense is if your using it to make more money or money at a higher rate than what your spending on interest.

I would spend more time worrying about increasing my cash inflows than my credit worthiness.

/Thread

 

[N*E*R*D]

Equifax/Transunion you can get your FICO scores from www.myfico.com

Experian you can NOT buy your FICO score. i will repeat, you can NOT buy your experian fico score. there are credit card accounts that if you have they will let you pull your fico score each month. i think walmart is one of them.... i think the other is NFCU.

as to your credit report, the free annual one will work, but you can always consider a credit monitoring program (usaa credit monitering, credit check total, etc)


do NOT waste your time getting scores that are NOT FICO!!!!!!!

my FICO scores are now about 730/740/743, and looking to be over 760 by mid spring


good luck ya''ll

So this is the absolute best place to go to right?​

​

 

[UptempoDro]

So some of yall actually think yall are just gonna float thru life without good credit?

 

[rph2005]

hey OP u didnt answer my question. dont you live in nigeria? chu need a credit score for?
747,656,718

 

[Brother Blues]

Refinanced recently...over 800,on one...just under on the others.

 

[rph2005]

Refinanced recently...over 800,on one...just under on the others.

ohhhh, that must be what it is. refinanced my house, 2 years ago. my score was at one point 842. fucked around and opened up a sears, and modells account. dropped to 747. been trying to bring it back up since then.

 

[Brother Blues]

ohhhh, that must be what it is. refinanced my house, 2 years ago. my score was at one point 842. fucked around and opened up a sears, and modells account. dropped to 747. been trying to bring it back up since then.

2 Years ago....time to do it again,check those rates...low 3s.

 

[booster]

*Disclaimer on myfico.com

*IMPORTANT INFORMATION: When you order your free FICO® Score here, you will begin your 10-day trial membership in Score Watch®. If you don't cancel your membership within the 10-day trial period, you will be billed $14.95 for each month that you continue your membership. A three month minimum subscription applies. You may cancel your trial membership anytime within the trial period without charge.