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Do you know your Credit Score ?
Posted 7/4/17 , edited 7/4/17

dulun18 wrote:
It's a FICO score. I'm looking at the paper right now.

TransUnion-- FICO Auto 08
Experian - FICO Auto V8


Aha! I should have known that, with as many vehicles I've gone through. The "FICO Auto" is a score specific to automobile payments. It can go as high as 900 altogether. Older versions made it next to impossible to get over 800. In the "Version 8" scoring model, it only looks at the last six to eight months of credit inquiries (so if you get to "that point" of being scored and given an estimate by a dealership - that's going to be on this) and it's focused specifically on payments made to agencies regarding vehicles (this includes sport/terrain vehicles at some places).

It doesn't necessarily reflect your overall credit score - but I would say it should put you at the mid to high 700's if you checked on Credit Karma or go straight to TransUnion/Equifax sites.
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Posted 7/4/17 , edited 7/4/17
I know now. This thread got me curious and my bank offers a free look at my FICO score whenever I want. It was good news, but I dunno if I wanna share. I have no idea if it's supposed to be private
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Posted 7/4/17 , edited 7/5/17

whiteflags99 wrote:

I know now. This thread got me curious and my bank offers a free look at my FICO score whenever I want. It was good news, but I dunno if I wanna share. I have no idea if it's supposed to be private


it's up to you. If you don't feel comfortable doing it.. then don't.

I would not share credit score on facebook where you have your real name and address. If it's the forums wheren i have some avatar from some anime series and just the IP address I think my credit score is around 854 (score provided by my credit card company 5-6 months ago)
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Posted 7/4/17 , edited 7/5/17

ninjitsuko wrote:


dulun18 wrote:
It's a FICO score. I'm looking at the paper right now.

TransUnion-- FICO Auto 08
Experian - FICO Auto V8


Aha! I should have known that, with as many vehicles I've gone through. The "FICO Auto" is a score specific to automobile payments. It can go as high as 900 altogether. Older versions made it next to impossible to get over 800. In the "Version 8" scoring model, it only looks at the last six to eight months of credit inquiries (so if you get to "that point" of being scored and given an estimate by a dealership - that's going to be on this) and it's focused specifically on payments made to agencies regarding vehicles (this includes sport/terrain vehicles at some places).

It doesn't necessarily reflect your overall credit score - but I would say it should put you at the mid to high 700's if you checked on Credit Karma or go straight to TransUnion/Equifax sites.


They pulled my credit when i bought the house a few years ago as well. It's often high for transunion but for equifax and experian i'm around 842-852.

My score dropped 10 points around March after i bought the car and applied with multiple employers.

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Posted 7/4/17 , edited 7/5/17
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Posted 7/5/17 , edited 7/5/17
Clark Howard's not into to credit scoring so much. That said, I no longer worry about finally attaining 399. Wahoo, 400 is just around the corner.
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Posted 7/5/17 , edited 7/6/17
I can get mine for free from the bank, its quite good since I have never missed a payment

That legend about Credit Cards being necessary for a good credit score is BS. I have one and have only used it once and my score is over 800, although I built it through student loan payments. Honestly, I'd rather build a credit score via a very low interest car loan (less than 2%) or a low interest government student loan (under 4-9%), only suckers borrow money at 20%+ APR.
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