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-   -   Guess I'm a bad credit risk! (http://chevelleforum.net/showthread.php?t=3105)

Ms Grumpy 11-14-2012 10:17 AM

Quote:

Originally Posted by 69chevelless (Post 39949)
Your right I wouldn't have but if it was crazy money then maybe. It's cool when someone puts a price on your work and I do like hearing offers.

But what if it was a crazy offer ? I don't know what I would do.

BillsCamino 11-14-2012 10:32 AM

Quote:

Originally Posted by Hank70SS (Post 39347)
The credit scoring company they use is Experian, one of the big 3. Credit scores range from 1, worst, to 999, best, my score, 984. Not sure what the cutoff point is but if 984 out of a possible 999 isn't good enough I'm pretty sure I don't want to do business with these people anyway.

:confused:
The highest FICO score possible is 850.
http://creditscoresrange.net/what-is...n-achieve.html

Quote:

Experian credit scores mostly fall between 600 and 750. A credit score above 700 signals good credit management and typically results in better rates than for those with scores under 700. Experian's score range is between 330 and 830.
http://www.experian.com/consumer-pro...dit-score.html

Hank70SS 11-14-2012 12:10 PM

Bill, I quoted what it said in the letter I received. Why the difference I don't know.

Okay, went to the experian link you provided. It says some lenders may require custom scoring models from experian.

BillsCamino 11-14-2012 01:15 PM

No problem Hank...Bowtie smiley
Wasn't questioning your post ...just want to make sure someone wasn't feeding you a line of BS.
Lot's of that going around lately. ;)

flash 11-14-2012 03:45 PM

I dont know what my scores are but I dont guess it matters as I dont plan to borrow any money .

Hank70SS 11-14-2012 05:03 PM

Quote:

Originally Posted by BillsCamino (Post 39962)
No problem Hank...Bowtie smiley
Wasn't questioning your post ...just want to make sure someone wasn't feeding you a line of BS.
Lot's of that going around lately. ;)

Ya, just listen to the politicians in Washington.

Hank70SS 11-14-2012 05:07 PM

Quote:

Originally Posted by flash (Post 39968)
I dont know what my scores are but I dont guess it matters as I dont plan to borrow any money .

Not sure what my credit score really is either. Like you I don't plan on borrowing any money. I guess at some point we'll have to replace our car but I know I can get a loan through the credit union if I need it.

BillsCamino 11-14-2012 06:18 PM

Don't really know my score either but I do request a free credit report about every 6-8 months...rotating the request from one of the three credit agencies...to scan over the report after seeing what my son had to go thru two years ago with someone stealing his identity. :(

Ms Grumpy 11-14-2012 07:46 PM

Don't know exactly what mine is either. But it didn't hurt having a small car payment for the past couple years. Now that I don't have that anymore I am sure that it will go down, which doesn't make sense. But at least it was high enough this year to drop my home owners and car insurance.

grandsport 11-14-2012 08:14 PM

Not fair to the other people with lower scores.This country should do away with the practice of rating peoples credit.The crack whore in the city should have the same chance to get a mortgage and low intrest rate as me to buy that $300k home in the country.


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