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Credit scores
#7713518
01/10/20 02:49 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
OP
THF Celebrity
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OP
THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Fox Business reported that the credit scores in 2019 were at the highest levels ever. I have no idea what my score is. Never had a need to know. You?
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit scores
[Re: bill oxner]
#7713549
01/10/20 03:29 PM
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Joined: Dec 2012
Posts: 4,800
TexasKC
Extreme Tracker
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Extreme Tracker
Joined: Dec 2012
Posts: 4,800 |
Last time I checked my score it was 785. That was a couple years ago so I assume it's about the same now. I don't worry about it.
In the end, it's not the years in your life that count, it's the life in your years.
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Re: Credit scores
[Re: bill oxner]
#7713551
01/10/20 03:30 PM
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Joined: Aug 2016
Posts: 2,451
Dalroo
Veteran Tracker
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Veteran Tracker
Joined: Aug 2016
Posts: 2,451 |
My bank gives me a monthly report on our score. It is good to keep an eye on it occasionally because if there is a big drop, it could indicate something taking place without your knowledge.
Dalroo Deep in the Heart of Texas How about that Brandon!
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Re: Credit scores
[Re: Dalroo]
#7713555
01/10/20 03:35 PM
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Joined: Nov 2011
Posts: 9,835
unclebubba
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2011
Posts: 9,835 |
My bank gives me a monthly report on our score. It is good to keep an eye on it occasionally because if there is a big drop, it could indicate something taking place without your knowledge. I have a buddy that was just hit with identity theft. They opened 8 credit cards under his name and took control of one card that he already had. Over $18,000 had been charged up before he found out about it. Monitoring your credit is vitally important!
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Re: Credit scores
[Re: bill oxner]
#7713560
01/10/20 03:37 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
OP
THF Celebrity
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OP
THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
I get alerts from my debit card and my credit card is protected.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit scores
[Re: bill oxner]
#7713578
01/10/20 03:51 PM
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Joined: May 2009
Posts: 10,404
Ramball36
THF Celebrity
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THF Celebrity
Joined: May 2009
Posts: 10,404 |
Everybody post your credit scores up
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Re: Credit scores
[Re: bill oxner]
#7713579
01/10/20 03:52 PM
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Joined: Jul 2019
Posts: 2,301
rolyat.nosaj
Veteran Tracker
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Veteran Tracker
Joined: Jul 2019
Posts: 2,301 |
My credit score is doing just fine. I'd rather not have to use it.
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Re: Credit scores
[Re: bill oxner]
#7713583
01/10/20 03:54 PM
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Joined: Nov 2010
Posts: 3,200
Marc K
Veteran Tracker
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Veteran Tracker
Joined: Nov 2010
Posts: 3,200 |
With the exception of a small mortgage (3.2%) which we are paying off in 5-6 years, we do not like to finance things. We use our credit cards then pay off the balance well in advance of the due date. About three years ago, I rolled my old truck and had to replace it. Our truck fund was short of what I needed, so I did finance $20K at 2.9% which is almost free money.
Last I checked was two years ago when bought our home - our score was over 800. We are not wealthy so it takes a few years to save up to buy a car.
In general, if we don't have the money in the bank, we cannot afford it. (Courtesy of Dave Ramsey)
A Democracy is when two wolves and a lamb vote on the dinner menu. That is why this country was specifically not designed as a Democracy. We are a Constitutional Republic.
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Re: Credit scores
[Re: Marc K]
#7713605
01/10/20 04:06 PM
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Joined: Mar 2005
Posts: 3,261
Sniper.270
Veteran Tracker
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Veteran Tracker
Joined: Mar 2005
Posts: 3,261 |
In general, if we don't have the money in the bank, we cannot afford it. (Courtesy of Dave Ramsey)
Very wise! I locked down my credit several years ago. Easy and cheap protection.
Proverbs 2
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Re: Credit scores
[Re: Marc K]
#7713633
01/10/20 04:36 PM
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Joined: Sep 2004
Posts: 12,370
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 12,370 |
With the exception of a small mortgage (3.2%) which we are paying off in 5-6 years, we do not like to finance things. We use our credit cards then pay off the balance well in advance of the due date. About three years ago, I rolled my old truck and had to replace it. Our truck fund was short of what I needed, so I did finance $20K at 2.9% which is almost free money.
Last I checked was two years ago when bought our home - our score was over 800. We are not wealthy so it takes a few years to save up to buy a car.
In general, if we don't have the money in the bank, we cannot afford it. (Courtesy of Dave Ramsey)
Dave Ramsey always teaches to pay cash vs using credit cards, even if you do pay them off monthly
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Re: Credit scores
[Re: RedRanger]
#7713653
01/10/20 04:49 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
OP
THF Celebrity
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OP
THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
With the exception of a small mortgage (3.2%) which we are paying off in 5-6 years, we do not like to finance things. We use our credit cards then pay off the balance well in advance of the due date. About three years ago, I rolled my old truck and had to replace it. Our truck fund was short of what I needed, so I did finance $20K at 2.9% which is almost free money.
Last I checked was two years ago when bought our home - our score was over 800. We are not wealthy so it takes a few years to save up to buy a car.
In general, if we don't have the money in the bank, we cannot afford it. (Courtesy of Dave Ramsey)
Dave Ramsey always teaches to pay cash vs using credit cards, even if you do pay them off monthly I would think that a debit card is more secure than than cash. I never carry cash anymore. I have a little stash but its safe.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit scores
[Re: bill oxner]
#7713658
01/10/20 04:58 PM
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Joined: Oct 2004
Posts: 39,481
redchevy
THF Celebrity
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THF Celebrity
Joined: Oct 2004
Posts: 39,481 |
I don't ever just check mine, it gets pulled when I apply for a loan on something is all I know of. Last time was in 2016 when I bought my current truck. Other than that I pay all my bills on time never missed a payment never been late etc. When we bought the truck they pulled my score and my wifes they were both a bit over 800. I haven't changed anything except added more good payment history so I assume it hasn't changed or got better.
It's hell eatin em live
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Re: Credit scores
[Re: RedRanger]
#7713709
01/10/20 05:52 PM
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Joined: Jul 2010
Posts: 517
cephus
Tracker
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Tracker
Joined: Jul 2010
Posts: 517 |
With the exception of a small mortgage (3.2%) which we are paying off in 5-6 years, we do not like to finance things. We use our credit cards then pay off the balance well in advance of the due date. About three years ago, I rolled my old truck and had to replace it. Our truck fund was short of what I needed, so I did finance $20K at 2.9% which is almost free money.
Last I checked was two years ago when bought our home - our score was over 800. We are not wealthy so it takes a few years to save up to buy a car.
In general, if we don't have the money in the bank, we cannot afford it. (Courtesy of Dave Ramsey)
Dave Ramsey always teaches to pay cash vs using credit cards, even if you do pay them off monthly His main reason for teaching this is that he understands the vast majority of people will eventually fall in to not paying the balance off as described above.
You may not be interested in war, but war is interested in you.
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Re: Credit scores
[Re: bill oxner]
#7713710
01/10/20 05:52 PM
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Joined: Jan 2009
Posts: 19,165
Judd
#1 Creedmoor Fan
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#1 Creedmoor Fan
Joined: Jan 2009
Posts: 19,165 |
serious one upper potential on this thread.
Don't let your ears hear what your eyes didn't see, and don't let your mouth say what your heart doesn't feel
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Re: Credit scores
[Re: Judd]
#7713721
01/10/20 06:10 PM
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Joined: Jan 2010
Posts: 22,997
fadetoblack64
giddyup
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giddyup
Joined: Jan 2010
Posts: 22,997 |
My score is 7 millionish............throw another koala on the Barbie
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Re: Credit scores
[Re: bill oxner]
#7713749
01/10/20 06:25 PM
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Joined: May 2013
Posts: 4,091
CharlieCTx
Extreme Tracker
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Extreme Tracker
Joined: May 2013
Posts: 4,091 |
[I would think that a debit card is more secure than than cash.
Debit cards are riskier than credit cards or cash. You should only use them for ATM usage and nothing else. You personally have more of a liability and risk exposure with a debit card than a credit card. Someone uses your credit number unauthorized? Call the bank, charge goes away, you're out nothing. Credit card is typically not tied to anything. Someone uses your debit card unauthorized? There's a greater chance of being at risk/responsible for that transaction, plus it's tied to your checking account usually. They go to an ATM get cash, your money, it's gone... bank isn't giving it back. Check with your bank to confirm their T's & C's. I'm not perfect, I was wrong in '93 one time... awful experience. Found this https://www.creditkarma.com/credit-cards/i/debit-vs-credit/Charlie
Last edited by CharlieCTx; 01/10/20 06:27 PM.
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Re: Credit scores
[Re: bill oxner]
#7713754
01/10/20 06:29 PM
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Joined: Jul 2009
Posts: 9,763
Tin Head
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jul 2009
Posts: 9,763 |
I think the most secure is the pay iphone watch. Everywhere I go these days the first question is am I paying with a app. its a big racket. I think there is something to these companies letting hackers in. In china , their credit score is their social score taken from their phones and internet activity. We would all be in the poor house.
Last edited by Tin Head; 01/10/20 06:30 PM.
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Re: Credit scores
[Re: bill oxner]
#7713760
01/10/20 06:39 PM
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Joined: Aug 2012
Posts: 15,540
TexFlip
THF Celebrity
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THF Celebrity
Joined: Aug 2012
Posts: 15,540 |
I had to have a cosigner for Wal-Mart layaway for the kids Christmas...
Just to make sure that it is done thoroughly, I go both ways.
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Re: Credit scores
[Re: bill oxner]
#7713764
01/10/20 06:45 PM
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Joined: Nov 2005
Posts: 10,606
Greg
THF Celebrity
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THF Celebrity
Joined: Nov 2005
Posts: 10,606 |
Your credit score is super important and something I stress to my kids all the time.
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Re: Credit scores
[Re: bill oxner]
#7713776
01/10/20 06:56 PM
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Joined: Oct 2004
Posts: 39,481
redchevy
THF Celebrity
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THF Celebrity
Joined: Oct 2004
Posts: 39,481 |
Good credit is really simple. You hear all kinds of ways and things to do to get good credit.
All you need to do to get stellar credit is take a loan use a credit card and pay on time, that is it.
It's hell eatin em live
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Re: Credit scores
[Re: Ramball36]
#7713778
01/10/20 06:56 PM
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Joined: Jul 2005
Posts: 3,304
Stump_jumper
Veteran Tracker
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Veteran Tracker
Joined: Jul 2005
Posts: 3,304 |
Everybody post your credit scores up 850, I run all my expenses through my BOFA rewards card and pay off balance monthly. Cash back = $1k annually. It helps that I have a Citibank and Chase card with +$30k credit limits that I only use to keep them active.
2017 Tundra 5.7 CM 4x4 2006 Champion 2200 Bay Boat
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Re: Credit scores
[Re: redchevy]
#7713787
01/10/20 07:06 PM
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Joined: Jul 2009
Posts: 9,763
Tin Head
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jul 2009
Posts: 9,763 |
Good credit is really simple. You hear all kinds of ways and things to do to get good credit.
All you need to do to get stellar credit is take a loan use a credit card and pay on time, that is it. Ive met some illegals that had excellent credit, no past record.
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Re: Credit scores
[Re: Stump_jumper]
#7713789
01/10/20 07:08 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
OP
THF Celebrity
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OP
THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Everybody post your credit scores up 850, I run all my expenses through my BOFA rewards card and pay off balance monthly. Cash back = $1k annually. It helps that I have a Citibank and Chase card with +$30k credit limits that I only use to keep them active. I don't need a credit score. I take home four thousand dollars more than I spend each month. Credit card and debit card are for convenience. Remember when everyone wrote checks for their groceries.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit scores
[Re: CharlieCTx]
#7713794
01/10/20 07:17 PM
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Joined: Sep 2004
Posts: 1,862
swampthang
Pro Tracker
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Pro Tracker
Joined: Sep 2004
Posts: 1,862 |
[I would think that a debit card is more secure than than cash.
Debit cards are riskier than credit cards or cash. You should only use them for ATM usage and nothing else. You personally have more of a liability and risk exposure with a debit card than a credit card. Someone uses your credit number unauthorized? Call the bank, charge goes away, you're out nothing. Credit card is typically not tied to anything. Someone uses your debit card unauthorized? There's a greater chance of being at risk/responsible for that transaction, plus it's tied to your checking account usually. They go to an ATM get cash, your money, it's gone... bank isn't giving it back. Check with your bank to confirm their T's & C's. I'm not perfect, I was wrong in '93 one time... awful experience. Found this https://www.creditkarma.com/credit-cards/i/debit-vs-credit/Charlie I've never seen an ATM machine that gave money without you having to enter a PIN number. The card is useless to a thief unless he also has your PIN.
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Re: Credit scores
[Re: bill oxner]
#7713801
01/10/20 07:29 PM
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Joined: Mar 2013
Posts: 5,025
jetdad
THF Trophy Hunter
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THF Trophy Hunter
Joined: Mar 2013
Posts: 5,025 |
^^^^^^ Have you never heard of skimmers? Bad guys use them on gas pumps, ATM's and any other device that might require you to enter a PIN.
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