Comments on: FICO Score Tracking #7 – Breaking the 800 Mark http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/ Over Five Years of Personal Finance, Consumer Spending, Crazy Products and Boring Blog Posts. Good grief. Sat, 11 Feb 2012 21:36:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Rob http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-167319 Rob Wed, 20 Apr 2011 04:03:24 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-167319 Credit scores are important. I learned at an early age, thou must not mess with creditors. They will win and you will for surely loose. I battled JC Penney about a bill I truly did not owe. I ignored them and they made me pay,The hard way with flagging my credit. That happened when I was 19 and I am now 46. I swore that I would never be there again. NEVER pay your bills late. Use your credit card, but unless it is an emergency, don't buy things that you can not pay off at the end of the month. ALWAYS live within your means and then some. I have a good income but I do not spend the money like it will never end. Discipline is the key. It is easy to fall but hard to get the score back up and it does matter. Especially in todays economy,Banks are not as willing to take the chances and they need criteria to go by. Be responsible and don't carry credit card debt. Use it, but don't abuse it! My credit score is 851. Credit scores are important. I learned at an early age, thou must not mess with creditors. They will win and you will for surely loose. I battled JC Penney about a bill I truly did not owe. I ignored them and they made me pay,The hard way with flagging my credit. That happened when I was 19 and I am now 46. I swore that I would never be there again. NEVER pay your bills late. Use your credit card, but unless it is an emergency, don’t buy things that you can not pay off at the end of the month. ALWAYS live within your means and then some. I have a good income but I do not spend the money like it will never end. Discipline is the key. It is easy to fall but hard to get the score back up and it does matter. Especially in todays economy,Banks are not as willing to take the chances and they need criteria to go by. Be responsible and don’t carry credit card debt. Use it, but don’t abuse it! My credit score is 851.

]]> By: 851 Me http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-144653 851 Me Mon, 07 Dec 2009 18:16:32 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-144653 I have an 851 credit score. How did this happen? I have an 851 credit score. How did this happen?

]]> By: Joseph Isaacs http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-143628 Joseph Isaacs Fri, 01 May 2009 21:26:23 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-143628 My score is 820 and it took me 15 years to get there. It wasnt easy to have a million in credit and no debt. Just formed a new association of others that have a score above 800. We want to hear from you. My score is 820 and it took me 15 years to get there. It wasnt easy to have a million in credit and no debt. Just formed a new association of others that have a score above 800. We want to hear from you.

]]> By: FELICIA http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-140213 FELICIA Wed, 09 Jul 2008 19:44:19 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-140213 I FILED BANKRUPTCY IN 05 AND BEEN PAYING MY BILLS ON TIME AND BROUGHT A NEW TRUCK 07 AND NOW HAVE A CAPITAL ONE CREDIT CARD AND WAMU WHICH IS ALWAY PAID ON TIME AND ALSO APPROVE FOR A PERSONAL LOAN MY CREDIT SCORE NOW IS AT 670 BUT I STILL HAVE A LOAN WAY TO GO I FILED BANKRUPTCY IN 05 AND BEEN PAYING MY BILLS ON TIME AND BROUGHT A NEW TRUCK 07 AND NOW HAVE A CAPITAL ONE CREDIT CARD AND WAMU WHICH IS ALWAY PAID ON TIME AND ALSO APPROVE FOR A PERSONAL LOAN MY CREDIT SCORE NOW IS AT 670 BUT I STILL HAVE A LOAN WAY TO GO

]]> By: SavingDiva http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-26364 SavingDiva Tue, 10 Apr 2007 20:59:57 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-26364 Since this is my first comment, I just wanted to let you know that I really enjoy your blog. Now, the actual comment--congrats on the 800 score. I'm trying to get mine up in order to get a decent rate for a home loan within a few years. Since this is my first comment, I just wanted to let you know that I really enjoy your blog.

Now, the actual comment–congrats on the 800 score. I’m trying to get mine up in order to get a decent rate for a home loan within a few years.

]]> By: justanavedude http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-26087 justanavedude Sat, 07 Apr 2007 21:27:15 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-26087 bro, u have to do so volunteer work, please visit my site, i'm starting a blogroll and would like for u to be involved. thxs bro, u have to do so volunteer work, please visit my site, i’m starting a blogroll and would like for u to be involved.

thxs

]]> By: tanyetta http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-26040 tanyetta Sat, 07 Apr 2007 06:19:38 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-26040 800 score?? woo hoo!! how excited. question: what's the highest score attainable???? 800 score?? woo hoo!! how excited. question: what’s the highest score attainable????

]]> By: Poorer Than You » From My Reader: StopBuyingCrap.com http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-26012 Poorer Than You » From My Reader: StopBuyingCrap.com Sat, 07 Apr 2007 01:47:09 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-26012 [...] posts I recommend:FICO Score Tracking #7 - Breaking the 800 MarkWoops, I Bought a Private JetFinding That Special Reason to Care About Your Finances Related Posts [...] [...] posts I recommend:FICO Score Tracking #7 – Breaking the 800 MarkWoops, I Bought a Private JetFinding That Special Reason to Care About Your Finances Related Posts [...]

]]> By: Advanced Personal Finance » Blog Archive » Friday Favorites #1 - round-up of PF articles http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-25936 Advanced Personal Finance » Blog Archive » Friday Favorites #1 - round-up of PF articles Fri, 06 Apr 2007 12:37:48 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-25936 [...] Cap at Stop Buying Crap breaks 800. [...] [...] Cap at Stop Buying Crap breaks 800. [...]

]]> By: Zachary http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-25900 Zachary Fri, 06 Apr 2007 03:41:36 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-25900 Keep those card balances low! I'm 29 and have already paid thousands of dollars in INTEREST on my $8000 of credit card debt over the past ten years or so. Don't make the mistake I did; keep those balances low. The good news, though, is that I'm down to under $4000 of credit card debt now. Keep those card balances low! I’m 29 and have already paid thousands of dollars in INTEREST on my $8000 of credit card debt over the past ten years or so. Don’t make the mistake I did; keep those balances low. The good news, though, is that I’m down to under $4000 of credit card debt now.

]]> By: TF Miser http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-25872 TF Miser Thu, 05 Apr 2007 19:14:01 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-25872 I use the WaMu card to track my credit score too. It is about the only thing the card is good for. I've noticed my credit score can swing pretty wildly. Last month my score dropped to 677 from 733. Most likely because of a small credit card arbitrage I'm doing. I use the WaMu card to track my credit score too. It is about the only thing the card is good for. I’ve noticed my credit score can swing pretty wildly. Last month my score dropped to 677 from 733. Most likely because of a small credit card arbitrage I’m doing.

]]> By: SkyeBlue http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-25839 SkyeBlue Thu, 05 Apr 2007 12:19:12 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-25839 Last year my son asked me to co-sign a small loan from a bank for him to help him establish credit. I'm a SAHM with no income of my own, but as soon as the loan officer pulled MY credit report and saw that my score was 795 all I had to do was sign my name to the loan paper and he was set. I have 4 credit cards, but keep the balances zero or low and pay them as soon as the statements come in. Guess that is prety much all you have to do to keep your score up. Last year my son asked me to co-sign a small loan from a bank for him to help him establish credit. I’m a SAHM with no income of my own, but as soon as the loan officer pulled MY credit report and saw that my score was 795 all I had to do was sign my name to the loan paper and he was set.

I have 4 credit cards, but keep the balances zero or low and pay them as soon as the statements come in. Guess that is prety much all you have to do to keep your score up.

]]> By: Misti http://www.stopbuyingcrap.com/credit-related/fico-score-tracking-7-breaking-800/comment-page-1/#comment-25794 Misti Thu, 05 Apr 2007 00:01:27 +0000 http://www.stopbuyingcrap.com/2007/04/04/fico-score-tracking-7-breaking-800/#comment-25794 I've consistently paid off all my credit on time and have acquired no outstanding balances and my score has never gone above 650. One time I applied for an apartment about 8 months ago and the guy told me I had a score of 800. I was so excited and told everyone. Then I checked it myself and it was only like 620. How can these scores fluctuate that much? I’ve consistently paid off all my credit on time and have acquired no outstanding balances and my score has never gone above 650. One time I applied for an apartment about 8 months ago and the guy told me I had a score of 800. I was so excited and told everyone. Then I checked it myself and it was only like 620. How can these scores fluctuate that much?

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