What S My Credit Score Reddit

This is a vantage score point information was gathered from creditwise capitalone. How to read and understand your credit scores.

Previously you must understand the background of Credit and get some What s my credit score reddit references in other articles on this website.

Downloaded credit karma saw that my score was 546 on jan 15th was crushed but felt like i was finally going to start taking control got my full credit report and list of all accounts that had gone delinquent and or into collections.

What s my credit score reddit. I recently went to open a new bank account and on the site chase i saw you could check your credit score and i asked the lady if we could do it if it was just a one click thing. I let myself be talked into buying this car because i was paying 16 interest on my old car which i still owed nearly 3k on and which had some expensive mechanical problems making it only worth about 500. Checking your credit score on your own is considered a soft pull which means it doesn t affect your score.

If your score is requested as part of a credit line inquiry for example applying for a credit card or loan checking interest rates etc then that is normally a hard pull and will affect your score. One paid off and the other with less than three years to go. I m admittedly very careless with money.

United states federal law mandates that consumers are entitled to a free credit report every 12 months. This date indicates our editors last comprehensive review and may not reflect recent changes in individual terms. A credit score is just a three digit number but it can have a significant impact on your financial life.

I recently got a credit card and have just been getting gas on and paying it off right away. I let my wife handle the finances. See our full faq article on credit reporting.

I bring in about 3500 a month and have very low expenses. I know she keeps credit cards to keep the credit going. Three cars all paid off two bought through financing to keep a stable credit history.

Updated august 15 2020. Thank you all for the help and replies. I feel so dumb could completely understand destroying my credit for a big charge but this time it was just 13 and my negligence.

I see something i want and i m all ooh shiny we have two homes. Was able to contact my credit issuer and had it resolved in about 15 minutes. My credit score is around 710.

Your credit scores most.

Leave a Reply

Your email address will not be published. Required fields are marked *