1. 01-04-12 04:26 PM #1
    JBC77
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    Whats your credit score??

    I'm applying for a mortgage, with 20% down to buy a two family home in CT as an investment property. The prices are really getting attractive, especially if you have cash.

    At any rate, I came it at 690.

    I got laid off from Citigroup in 2004. All my debt went bad. Got another good job on 2006. Paid everyone back, then started stacking paper like bricks. Came all the way back from a low 400 score to having lenders fight over my business now.

    While 690 is not perfect, since I came back from the job loss in 06' and re-established credit, haven't had a late payment on any line. I don't abuse leverage anymore, always better to be liquid and have hard assets to go with the paper assets.

    If anyone out here has ever been knocked down. Lost a house. Had some cards go bad. I know it can be stressful. Can seem ugly. But don't let anyone ever tell you that you can make it back. Don't ever quit.

    Lot of good people looking for work right now. They can't find it. Wife gets mad, things turn sour fast. World looks ugly. You got to stay hopeful. I have a lot of friends in bad shape right now.
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  2. 01-04-12 04:26 PM #2
    milwaukee mike
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    what the hell is this forum becoming

    we don't need a pep talk or to discuss our credit score

    we need winners
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  3. 01-04-12 04:29 PM #3
    doublej95
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    good for you bouncing back, it's tough out their. That's what America is all about getting knocked down and having the grit to get back up and give it your all.
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  4. 01-04-12 04:31 PM #4
    ngates815
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    As for having to build your credit back up....couldn't give ya an answer...But nice job getting shit back together.


    But I bought my house with less than 20% down and a 690 credit score in 06 without a hitch.


    Just got another house with a low 700 score, had to put down more money because it wasn't a "first" residence, not sure if you'll run into that same thing or not.
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  5. 01-04-12 04:32 PM #5
    bobby heenan
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    755
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  6. 01-04-12 04:32 PM #6
    warriorfan707
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    who the fukk needs credit when you got mad skillz
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  7. 01-04-12 04:34 PM #7
    warriorfan707
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    Quote Originally Posted by milwaukee mike View Post
    what the hell is this forum becoming

    we don't need a pep talk or to discuss our credit score

    we need winners
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  8. 01-04-12 04:43 PM #8
    ProfaneReality
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    everyone at SBR has a 700+ credit score, 6 figures in the bank, and an 8 inch rooster

    dont ask silly questions
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  9. 01-04-12 04:44 PM #9
    Brock Landers
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    somewhere in the 650 range
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  10. 01-04-12 04:45 PM #10
    pacers101
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    Quote Originally Posted by ProfaneReality View Post
    everyone at SBR has a 700+ credit score, 6 figures in the bank, and an 8 inch rooster

    dont ask silly questions
    8 inch, pft...try 10 buddy.
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  11. 01-04-12 04:46 PM #11
    UntilTheNDofTimE
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    710, but im assuming it will drop like 50 points! I completely forgot to pay my CC this month. Never not paid off my CC in full or missed any type of payment in my life( im 22). My bill is due on the first i always pay it with bill pay a few days be4 and with cmas and new years it blew my mind.
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  12. 01-04-12 04:51 PM #12
    robmpink
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    Quote Originally Posted by UntilTheNDofTimE View Post
    710, but im assuming it will drop like 50 points! I completely forgot to pay my CC this month. Never not paid off my CC in full or missed any type of payment in my life( im 22). My bill is due on the first i always pay it with bill pay a few days be4 and with cmas and new years it blew my mind.


    P.S. they don't report unless you are 30 days late.
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  13. 01-04-12 04:51 PM #13
    Hoja Verdes
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    Similar story to mine. At 690-710 as well depending on the month, tryin hard to keep it above 700 but currently have all ************ maxed while I make a big change professionally. Hoping not to be in this situation more than 6 more months, doesnt help that my wife wants a divorce. FML.
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  14. 01-04-12 04:53 PM #14
    robmpink
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    I go in this thread and the first add that popped up was Experian. How is this "google" doing it if I didn't do any google searches for credit whatever?
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  15. 01-04-12 04:54 PM #15
    robmpink
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    3 Credit Scores (Free)
    View your latest Credit Scores Today in 60 seconds for $0!
    FreeScore360.com

    another one. So does SBR have it set up to know what posts you go in?
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  16. 01-04-12 04:57 PM #16
    UntilTheNDofTimE
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    Quote Originally Posted by robmpink View Post
    I go in this thread and the first add that popped up was Experian. How is this "google" doing it if I didn't do any google searches for credit whatever?
    Holy shit mine says remove charge offs and fix bad credit. Does it come up with this because i typed i missed a payment? I didnt type that on google btw
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  17. 01-04-12 04:58 PM #17
    doublej95
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    mine says 3 credit scores free also


    someone should create a cooking thread and see if Paula Dean ads show up.
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  18. 01-04-12 05:01 PM #18
    William Walters
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    Last I checked (about a year ago).....low 800's, but a lot of you are too young (twenties) to have established high credit scores.

    Pay your bills guys. Bad credit can take you down in more ways than getting turned down (or having a high interest rate) for a loan.
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  19. 01-04-12 05:02 PM #19
    UntilTheNDofTimE
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    Bankruptcy
    Loan modification
    Late bills
    Over the credit limit
    Maxed out CC


    Testing......
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  20. 01-04-12 05:03 PM #20
    UntilTheNDofTimE
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    It says secured card and top 10 credit repair companies now....

    It advertises to your latest post.....
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  21. 01-04-12 05:11 PM #21
    doublej95
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    cheeseburger
    hamburger
    steak
    pork chops
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  22. 01-04-12 05:21 PM #22
    robmpink
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    I come back after dinner and this is the third add.

    100+ Points in 30 Days
    Authorized User Accounts let you legally insert seasoned good credit
    www.callcreditpro.com

    HOWISTHISGOOGLESDOING?
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