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Cast Your Vote:

    • Excellent -- Votes: 24
    • Good -- Votes: 12
    • Average -- Votes: 11
    • Low -- Votes: 7
    • Poor -- Votes: 11
    • Bad -- Votes: 23
    • Idk lol -- Votes: 11
Pusherman user banned
31st Jul '13

I'm your pusherman.

homes cool TTC since May 2014; 2 kids; 2 angel babies; Indiana 61097 posts
31st Jul '13

Both my DH and I have "excellent" credit. Low to mid 700's.

Summerfrost 51 kids; Massachusetts 6802 posts
31st Jul '13

I've been in the hospital way too often and same now with the hubby to have amazing credit. We did have pretty good credit not too long ago, but it hurts to get hit with bills between $500 and $2000 every couple of months. Oh well.. after cancer .. we'll work on our credit. :)

K and N TTC since Nov 2012; 2 kids; Denver City, Texas 1890 posts
31st Jul '13

Average, but DH's is record breakingly horrible. :oops:

K and N TTC since Nov 2012; 2 kids; Denver City, Texas 1890 posts
31st Jul '13
Quoting homes cool:" Both my DH and I have "excellent" credit. Low to mid 700's."


I like your new avi :)

homes cool TTC since May 2014; 2 kids; 2 angel babies; Indiana 61097 posts
31st Jul '13
Quoting K and N:" I like your new avi :)"


Thank you! I have a soft spot for Uncle Si. :lol:

Jenny&Boopy TTC since Jul 2014; 2 kids; Pittsburgh, Pennsylvania 7363 posts
31st Jul '13

Mine is bad, SO's is excellent.

Addi's Momma Due January 23 (girl); 1 child; 1 angel baby; Florissant, Missouri 5590 posts
31st Jul '13

DH and I both have average now. When he was still in the Marine Corps he had excellent but we hit a rough patch and racked up too much CC debt and are now trying to pay it off.

user banned 2 kids; Silly, Belgium 6539 posts
31st Jul '13
Quoting homes cool:" Both my DH and I have "excellent" credit. Low to mid 700's."


Have you guys always had clean reports or did you have to do any cleanups and rebuilding?



I've been working on rebuilding DH's credit for a while now because his got messed up from the moment he came to this country from his airline ticket, which was a loan that he finally paid off years later after I got on him about it. So his WAS bad but it's a lot better now.



I always kept a clean credit slate lol.

homes cool TTC since May 2014; 2 kids; 2 angel babies; Indiana 61097 posts
31st Jul '13
Quoting Bob Loblaw _tko_:" Have you guys always had clean reports or did you have to do any cleanups and rebuilding? I've been ... [snip!] ... years later after I got on him about it. So his WAS bad but it's a lot better now. I always kept a clean credit slate lol."


We've always kept clean slates. I mean, his score dropped a little when he lost his job & the debt/income ratio changed, but that didn't last long. Our % of debt isn't very bad, and we've never been late on anything. I actually had no clue that mine was as high as it is until we discussed buying another house, we had it checked and I was shocked that it was even higher than DH's.

BRowell 3 kids; 2 angel babies; Bristol, TN, United States 3726 posts
31st Jul '13

Mine is bad but mainly because I have none. DH's is excellent.

Carter&Violet♥ She Gone! 2 kids; Virginia 14177 posts
31st Jul '13

Mine and DHs is "good"

user banned 1 child; Nunya, CA, United States 6369 posts
31st Jul '13

So, I just applied for a Target card, to take advantage of the 5% off of everything and free shipping, when ordering online. She runs me through the system and like thirty seconds later say, "Wow, you must have good credit because you were approved immediately... With a $3,500 limit".



What the heck would I ever need $3,500 worth of credit at Target for???



So I go home and check my credit and it's 830. Come to find out, they added 100 points to my credit rating within a week of paying off my car. I had no idea that is how it worked.



Ironically, they subtracted 5 points just for Target running my credit in the first place.



Crazy system.

Simply, Mom 2 kids; 1 angel baby; Upland, 11712 posts
31st Jul '13

**********

user banned 2 kids; Silly, Belgium 6539 posts
31st Jul '13
Quoting ~Julie Blue Eyes~:" So, I just applied for a Target card, to take advantage of the 5% off of everything and free shipping, ... [snip!] ... is how it worked. Ironically, they subtracted 5 points just for Target running my credit in the first place. Crazy system."


That's awesome, if you don't mind me asking, what credit monitoring service do you use? Mine is in the low-mid 700s and I only have 1 big limit card that I only use for gas and groceries and pay off every month. I might need to get a couple more useful cards. I'm thinking of going for an American Eagle VISA card since we shop there a lot and the discount would be good, or a Home Depot card and just letting DH use it so that I boost my overall credit available. I just don't want to have too many sitting around collecting dust.