Guess I'm a bad credit risk!

[Ms Grumpy]

Originally Posted by 69chevelless

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]

Originally Posted by Hank70SS

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.

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

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]

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]

No problem Hank...
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]

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

[Hank70SS]

Originally Posted by BillsCamino

No problem Hank...
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]

Originally Posted by flash

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]

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]

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]

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.