A good credit score is 690 in the insurance companies eyes. The longer you do not have a mortgage account or car payment the harder it is to have a high score. Haven’t had either for 20 years and it effects my score

Personal lines insurance (home/auto) use Insurance score, no longer your credit score.

Wrong
 

Your credit scores aren't locked out. If you mean you have a freeze that means no one can see them or alter them on the outside. However your credit scores still change and are affected by your monthly activities just like anyone else's. You can't freeze them in position lol 😂😂😂

Credit score drop
 

I have great credit. It was 833 and I bought a new car with 6 year financing. After I paid it off in 18 months my score dropped 10 points. I paid it off too fast according the the credit bureau. What’s up with that?

Interesting. My credit score is 833 out of 850 and I haven't had any debt in 20 years.

I have never had a car payment, and I haven't had a mortgage in more than 40 years, but my credit score is over 800.

Did you actually hear that from a credit bureau? If not, it would just be speculation. I didn't think they ever shared information about how they calculate the scores.

I got a call from a scammer that their was a warrant for my arrest
 

This number was left on my answering machine stating if I did not call the number by 5PM the next day the US Marshall would come to my home and arrest me. I never did call it was a scam. I still have the message on my answering machine for proof of this call

credit scores go up and down, whether you charge something or not.

Making sense has nothing to do with it. Insurance is actuarial. If claims from those with low scores are more, rates for them go up. That's all therecjs to it.

Not true for us. My score is upper 783 and have always carried a mortgage, car payment, and credit card debit. It’s your handling of debt they watch.

It makes perfect sense, too much to explain here, but I’m sure that is right on target

Credit scores are the biggest scams out there. I know 2 different people with scores in the 800’s. They both have little to nothing; neither work, so their income is minimal, and they have been in this position for many years. My credit score is in the 700’s and I literally help support one of these people.
Not sure who invented the credit score, or what it’s real purpose is suppose to be.

:boom:

The two have never been late like you. :1rotfl:

Purpose...........consistency.