Credit score

[NOOCH]

if Imcrazy enough to actually be ok with PAYING for my credit score, since i cant be bothered to cancel all the time
What is the cheapest way to get it?

[AsherO]

if Imcrazy enough to actually be ok with PAYING for my credit score, since i cant be bothered to cancel all the time
What is the cheapest way to get it?

This is a cheap option, but I think they use a FAKO (i.e. not real FICO) score.

[NOOCH]

asher is tha pronounced fake-o  ?

[txtmax4]

asher is tha pronounced fake-o  ?

Who cares? Its FACO anyway...

[txtmax4]

Paying for non-FICO is like buying a watch that will never tell the right time. If you're ready to pay, do yourself a favor and pay for your FICO score while at it.
FACO scores you can see for free here:
Quizzle.com
CreditKarma.com
http://americanexpress.com/creditreport (only if you have amex, only Experian.)

[Emily]

credikarma says my score is 694.  what does that mean? terrible?

[AsherO]

credikarma says my score is 694.  what does that mean? terrible?

Not terrible (technically 'Very Good'), but if you were above 700/710 you'd be more likely to be approved.

[Dan]

Not terrible (technically 'Very Good'), but if you were above 700/710 you'd be more likely to be approved.

These days you need to be over 750 to get approved for some cards...
725 would be a good goal to reach.
What percentage of your credit are you utilizing?  That and paying your bills on-time make up the majority of your score.
Of course unless you pay MyFico you're not really seeing your actual FICO score, but rather a simulation.

[Emily]

These days you need to be over 750 to get approved for some cards...
725 would be a good goal to reach.
What percentage of your credit are you utilizing?  That and paying your bills on-time make up the majority of your score.
Of course unless you pay MyFico you're not really seeing your actual FICO score, but rather a simulation.

I'm really good actually... I use my card but not too much... for sure pay full balance on time.. I have cards for months.  I'm also an authorized user on an account that's been open for years and years.. hmmm.. anything else?? How long should I wait??

[elikay]

I've found these non credit limit reporting cards to be a huge drag on my credit, especially when highly utilized such as for mint.

[Emily]

I've found these non credit limit reporting cards to be a huge drag on my credit, especially when highly utilized such as for mint.

What do you mean by that?? I have 1. capital one 2. brooks brothers 3. macys ummmm one more i can't remember lol... anything wrong with these cards?

[elikay]

I'm talking about the so-called no credit limt cards (World mastercards and others).

[Emily]

I'm talking about the so-called no credit limt cards (World mastercards and others).

   ohhhhh..... ok thanks!!! I'll hang in there!