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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
Smash Fins ; 2 kids; Denver, Colorado 1293 posts
31st Jul '13

Excellent...




I don't agree with that way of judging your credit score.



National average is in the 700's... so 700 - 800 should be good and 800+ should be excellent...



I'm just complaining because I can.

LA REINA™ New York, NY, United States 16301 posts
31st Jul '13

My credit is bad so is DH's. My credit is bad because of my student loans to income ratio :roll: I'm working to pay them off now.

justanothamotha Due January 20; 130 kids; Climax, Michigan 5120 posts
1st Aug '13

I haven't checked in a while because I haven't needed to for anything, but last I knew it was excellent & still should be...although I know it will likely start dropping simply because we currently have no real debt so our only payments are taxes, insurance, utilities, etc & that doesn't keep your score up, which is really really stupid.

Interrobang!? 6 kids; Ontario 1176 posts
1st Aug '13

I assume it's really good, because we don't use it or have personal debt. We bought our car with it and make payments on time, in full, every month, just so we have a rapport with the bank if we ever need it for an emergency, KWIM? Other than that we don't use credit at all and never have.

empire state of mind New York, New York 12208 posts
1st Aug '13

Mine was in the low 700s when I checked over a year ago...I would imagine it's only gotten better since then since I'm never late on payments, always pay things off etc.

The Master 2 kids; Perth, Australia 19989 posts
1st Aug '13

both mine and SO's is low ... we're currently building back from insolverancy. BUT we're selling our house soon for a tidy profit in which we're getting rid of the last of our debts and putting down a hefty deposit on a new house which will help our credit.

TheNuge 1 child; Pennsylvania 23130 posts
1st Aug '13

<blockquote><b>Quoting TG3:</b>" both mine and SO's is low ... we're currently building back from insolverancy. BUT we're selling our ... [snip!] ... in which we're getting rid of the last of our debts and putting down a hefty deposit on a new house which will help our credit."</blockquote>




Wahoo! Good news.

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

<blockquote><b>Quoting TG3:</b>" both mine and SO's is low ... we're currently building back from insolverancy. BUT we're selling our ... [snip!] ... in which we're getting rid of the last of our debts and putting down a hefty deposit on a new house which will help our credit."</blockquote>




That's really great. Way to bounce back! Good for you!

Ꭶwan♥Nemo 1 child; Kansas City, Missouri 7416 posts
1st Aug '13

Im scared to check my credit score.