Credit Score Screwiness

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  #16  
Old 05-23-2020, 07:30 AM
Pedrocarrasco01@yahoo.com Pedrocarrasco01@yahoo.com is offline
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Default Anything over 750 is wonderful

Quote:
Originally Posted by ColdNoMore View Post

That makes perfect sense if it were true, but at least in my case...it's not.

Here's the alerts I mentioned in my original post.

As I said...goofy and weird.
It is, but anything over 750 score is wonderful, you will get the best rates, don’t forget that you are looking at an average over the 3 credit sites some of their algorithms are different so the numbers will vary.
  #17  
Old 05-23-2020, 07:35 AM
JoelJohnson JoelJohnson is offline
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Quote:
Originally Posted by GoodLife View Post
Just freeze your credit on all three credit agencies, its free and easy to do online

Nobody can open up credit in your name if this is done. If you need to do an auto loan or new credit card, you can unfreeze them for a day or two
Also go online to social security and set up a PIN to keep someone from getting your SS money.
  #18  
Old 05-23-2020, 08:09 AM
toeser toeser is offline
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Quote:
Originally Posted by Pedrocarrasco01@yahoo.com View Post
I purchased a car last year and yes I paid it with my credit card, you should have seen the face of the manager when I said here put in the card!!<he started to say there is no way that it will go through, I told him just try it, his face dropped when it was approved, he said he could not understand why I was willing to pay a much higher interest through the card, I explained to him that I was going to get an additional 1.5% by doing it and it would be paid when the bill came through, his only response was “Brilliant”
I think it's a miracle you found a car dealer that would accept a credit card on a car purchase. I try to use a card for everything, and a lot of companies won't take them on larger purchases. My primary card pays 2%. I average about $700 per year in cash back.

P.S. Congrats.
  #19  
Old 05-23-2020, 08:43 AM
Rodneysblue Rodneysblue is offline
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  #20  
Old 05-23-2020, 08:59 AM
theruizs theruizs is offline
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Quote:
Originally Posted by Pedrocarrasco01@yahoo.com View Post
I purchased a car last year and yes I paid it with my credit card, you should have seen the face of the manager when I said here put in the card!!<he started to say there is no way that it will go through, I told him just try it, his face dropped when it was approved, he said he could not understand why I was willing to pay a much higher interest through the card, I explained to him that I was going to get an additional 1.5% by doing it and it would be paid when the bill came through, his only response was “Brilliant”
Then he was fired the next month when the owner was hit with a 2-3% fee for taking the card.
  #21  
Old 05-23-2020, 09:08 AM
17362 17362 is offline
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Quote:
Originally Posted by toeser View Post
I think it's a miracle you found a car dealer that would accept a credit card on a car purchase. I try to use a card for everything, and a lot of companies won't take them on larger purchases. My primary card pays 2%. I average about $700 per year in cash back.

P.S. Congrats.
Yes congrats for sure. I try to use mine and I have found it the companies will only allow things under 3k (as an average.)
I also heard that in February 2020 the credit scores where under going another alga rhythm change and ya I have seen the fluctuations you spoke of personally as well.
It’s not the simple calculation it used to be when it came about to life.
Humans... go figure... they create something for good then in the name of innovation they make it complicated, they can’t just leave it be and enforce it as is.
  #22  
Old 05-23-2020, 09:13 AM
charlieo1126@gmail.com charlieo1126@gmail.com is offline
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I think some people on here need a new hobby, maybe get out and walk some . The only time I’ve ever had any interest in my credit score is when I’m m buying a new house or car ,
  #23  
Old 05-23-2020, 09:48 AM
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ColdNoMore ColdNoMore is online now
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Quote:
Originally Posted by charlieo1126@gmail.com View Post
I think some people on here need a new hobby, maybe get out and walk some . The only time I’ve ever had any interest in my credit score is when I’m m buying a new house or car ,
It's a piddly $20 a month ($19.95 to be precise), or 1/5 of a single hand of blackjack...one of my other "hobbies."
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  #24  
Old 05-23-2020, 10:03 AM
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manaboutown manaboutown is online now
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Quote:
Originally Posted by toeser View Post
I think it's a miracle you found a car dealer that would accept a credit card on a car purchase. I try to use a card for everything, and a lot of companies won't take them on larger purchases. My primary card pays 2%. I average about $700 per year in cash back.

P.S. Congrats.
In my experience even MB and BMW dealers would only accept $5K on a credit card toward the price of a new vehicle - and I always try! lol.
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Last edited by manaboutown; 05-23-2020 at 11:43 AM.
  #25  
Old 05-23-2020, 10:46 AM
Curtisbwp Curtisbwp is offline
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Dont sweat the small stuff. Since my mie 20s my credit snore has been over 800. I do not worry. I can walk into a new car dealer and leave 30mins later with 2 new cars. I do not worry ablut day ti day tracking.
  #26  
Old 05-24-2020, 06:26 PM
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DeafDeaf DeafDeaf is offline
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Even I have zero credit card balances, they keep sending me if I am interested in new credit card offers! Sigh!
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