Do you have a good credit score?

blondfrog

Master Age: 34

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Superb Opinion

BoopBoopBeep Follow
Guru Age: 49 , mho 33%

+1 y
600 opinions shared on Other topic.

I actually hit 850 before I picked up two more credit cards. I'm at 820-835 now depending on how much of my balance is utilized, but I pay them all off in full each month, so... you know. Average age of account took a hit so it'll be a while before I get all the way back to 850 again

2

2 Reply
- MementoMori_
  
  +1 y
  Problem with getting more credit cards is that you will have to keep and manage them forever to prevent cancellation or they will be cancelled and hit your score again.
  
  Reply
- BoopBoopBeep
  
  +1 y
  @MementoMori_ I use amazon gift cards and the like to always keep them active. Every year I'll throw a big non-category purchase like roof/new windows etc on a new card to get a higher balance so they don't cut my credit limit. MS subscription on one. Google drive space for my mom on one. Two of them do $5 amazon gift cards every month. I got over a dozen total between business and personal (of course business doesn't affect my credit score) and it's surprisingly easy to keep them active if you put the recurring charges on them, but yeah don't want them cancelled, especially if it's an old card.
  
  Reply

Most Helpful Opinions

Jared91 Follow
Xper 3 Age: 35 , mho 32%

+1 y

Credit score is really a bunch of BS.

I had a horrible credit score post divorce. It stayed the same for years. Then I made an investment that paid off big time. 7 figures this year. All of a sudden my credit score went from horrible to excellent.

I did nothing to change my score. I still have black marks on my file, but now I have significant disposable income it's in the excellent territory?

Seems like they are just trying to get me back into debt🤷

1

1 Reply
- blondfrog
  
  +1 y
  its def a scam. But sadly if you wanna buy a house for mortgage or finance a car or even rent a apartment you need it. Your forced to play the game. And unless your rich you can't avoid it.
  
  Reply

douride2 Follow
Master Age: 49

+1 y
17.1K opinions shared on Other topic.

I have no idea what my credit score is. I would think it is good because I never was late for or missed a payment & my loans & mortgage is paid off.

1

2 Reply
- blondfrog
  
  +1 y
  you can check online. All these credit cards you use have a website.
  
  Reply
- douride2
  
  +1 y
  I only have 1 credit card & it's paid off in full every month. As for my credit score I don't really care.
  
  Reply

Anemone978 Follow
Yoda Age: 37 , mho 43%

+1 y

I don't pay anything or work so I assume I don't have one..

1

2 Reply
- blondfrog
  
  +1 y
  Yeah you wouldn't.
  
  Reply
- davado88
  
  +1 y
  ooh cool A lady of leisure.
  i like your style if you dont mind me saying
  
  Reply

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What Girls & Guys Said

Opinion

Sevenpointfive Follow
Master Age: 46

+1 y
3K opinions shared on Other topic.

mine's around 800+ now. just paid off a car a year ago and that's when i got my score

1

1 Reply
- blondfrog
  
  +1 y
  you can always check online for free.
  
  Reply
GoodGuyBreakingBad Follow
Master Age: 58

+1 y

Mine is like around 600+ but I have 1 Credit card and 1 line of credit, and they are small payments, but I pay them before the due date and don't send them late payments and I make the payment that they request from me.

1

0 Reply
catarecute Follow
Xper 5 Age: 32 , mho 38%

+1 y

i stupidly listen to bad money advice at college now i have bad score. i will improve it this year.

0

0 Reply
laurieluvsit Follow
Master Age: 31 , mho 69%

+1 y
922 opinions shared on Other topic.

840 ... I"m not kidding

3

3 Reply
- blondfrog
  
  +1 y
  I believe it.
  
  Reply
- RedInnocent68
  
  +1 y
  It’s like you’re my spirit animal 😍😘
  
  Reply
- zeitgeist057
  
  +1 y
  wow nice. Mine record is about 815, currently around 800+. I have no idea how to get it higher, I have no debt.
  
  Reply
Fireguy17 Follow
Master Age: 61

+1 y
1.5K opinions shared on Other topic.

A great one.
I've worked hard over the years to achieve it and maintain it.
So many people just don't understand how important that is.

1

5 Reply
- midnightmoon05
  
  +1 y
  How important is it?
  
  Reply
- Fireguy17
  
  +1 y
  @midnightmoon05 very important especially when you want to buy a house, buy or lease a car, rent an apartment or other place to live, a place of employment could possibly check it, or take a loan out for anything.
  It can determine if you can get a loan, and if you can what will your interest rate be.
  
  Reply
- midnightmoon05
  
  +1 y
  We have been taught that’s how we must live. I chose not to follow. I have great credit scores. But I don’t do loans. When we borrow we become slaves to debt. They have put all people in debt. Get out and buy cash.
  If I don’t have enough money… I don’t buy. All my cars are purchased with cash. Etc.
  
  Reply
- Fireguy17
  
  +1 y
  @midnightmoon05 I was never taught that is how we must live, I was taught that done correctly it is a very good tool to use when used correctly.
  They way you choose to do things is also fine, it works for you, however someday you might just need to borrow money and without a good credit score you are in trouble.
  Borrowing money does not make you a "slave" to debt, in fact it is a very good way to get ahead if you use it properly.
  I have rental properties, my tenants pay for them, not me, and I have also bought and sold houses and made a lot of money, but I use someone else's money to do that.
  Why risk mine? For me it is a great tool to use, and I am not a slave at all.
  The money I don't spend of my own can then be put to use to do other things, like our travel around the world, the freedom to come and go as we please, my classic car collection and not have to worry about if I don't have enough money I simply don't buy, not saying that you worry about it.
  At an early age I did not have to work anymore, I just chose to do what I do because it is a passion of mine.
  I love the freedom to come and go as I please, to help others, but that may not be important to others.
  We all make choices in live, I'm happy with my choices, and I'm sure you are happy with yours.
  Now it's off to educate kids about fire safety.
  Best week of the year.
  
  Reply
- midnightmoon05
  
  +1 y
  Sounds like we are on the same boat.
  What got most into trouble with credit/debt is just that…they HAVE to have credits. But the other option is to not be in debt- is financial freedom… which I believe ALL Americans can obtain.
  
  Reply
Pink2000 Follow
Master Age: 26

+1 y
5.1K opinions shared on Other topic.

It used to be 745. Now I completely jacked it up.

1

2 Reply
- blondfrog
  
  +1 y
  how did you jack it up?
  
  Reply
- Pink2000
  
  +1 y
  Credit cards
  
  Reply
exitseven Follow
Master Age: 55

+1 y
13K opinions shared on Other topic.

I have excellent credit. Everyone wants to loan me money

0

0 Reply
Anonymous
(45 Plus)

+1 y

I always like to say I don't mind getting my identity stolen. They can only improve my credit score at this point.😆

0

0 Reply
Anonymous
(45 Plus)

+1 y

yep and im sure its fn awful. i push my credit card to within an inch of its life before i spend a cent of my own money

0

0 Reply
Nikki1989 Follow
Mentor Age: 37 , mho 31%

+1 y
7.3K opinions shared on Other topic.

It is good, but not great.

1

0 Reply
DeeDeeDeVour Follow
Master Age: 54 , mho 41%

+1 y
3.8K opinions shared on Other topic.

Excellent

0

0 Reply
midnightmoon05 Follow
Master Age: 46 , mho 46%

+1 y
1.8K opinions shared on Other topic.

Don’t know and don’t care.

0

0 Reply
coachTanthony Follow
Master Age: 55 , mho 35%

+1 y
526 opinions shared on Other topic.

Yes around 850

0

0 Reply
worldscolide Follow
Master Age: 43

+1 y
2.2K opinions shared on Other topic.

I do indeed. Its over 800.

1

0 Reply
Anonymous
(45 Plus)

+1 y

Yes its quite high, in the 800s

1

0 Reply
ChicoFromThe305 Follow
Master Age: 25

+1 y
1.2K opinions shared on Other topic.

Yes I do indeed 😌

2

0 Reply
Vegasrunner Follow
Yoda Age: 48

+1 y

Lol, it's a bit irrelevant rn.

0

0 Reply
Hispanic-Cool-Guy Follow
Master Age: 40

+1 y
4.6K opinions shared on Other topic.

It's 702 last time I checked I think.

0

0 Reply
LazerBean Follow
Master Age: 26 , mho 41%

+1 y
556 opinions shared on Other topic.

Yes, excellent.

1

0 Reply
Anonymous
(25-29)

+1 y

Yeah, well above the averages

0

0 Reply
butterly248 Follow
Guru Age: 27

+1 y
383 opinions shared on Other topic.

Mine is bad lol

0

0 Reply
LiamJHayden Follow
Master Age: 31

+1 y
2.5K opinions shared on Other topic.

Yes.

0

0 Reply
hammeronfire Follow
Yoda Age: 28

+1 y
850 opinions shared on Other topic.

Yes, I have a 740

0

0 Reply
BLP11520 Follow
Guru Age: 66

+1 y

840...

0

0 Reply