Just checked my credit report and got my FICO score
10-02-2008, 01:04 AM
#1
Racer
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Just checked my credit report and got my FICO score
It's my first time ever that I checked my credit report, and also received my FICO score which was 761.
The score is actually very good, though I do have few questions to ask.
I have 8 revolving credit card accounts open, and I utilize 1% of my total credit limit, however I have two american express business card, a GOLD and PLUM, they are not on my credit report >_<
I charge considerable amount on the Plum card cus of 2% cash rebate if paid in full balance is greater than $5000 a month, however if it's not reported to the bureau, is it hurting my score in anyways?
The only CC I use out of the 8 that appear on my credit report is Chase Freedom for my cable bill and cigarette, thus the credit utilization is very very low, what would you guys advise me to do?
The score is actually very good, though I do have few questions to ask.
I have 8 revolving credit card accounts open, and I utilize 1% of my total credit limit, however I have two american express business card, a GOLD and PLUM, they are not on my credit report >_<
I charge considerable amount on the Plum card cus of 2% cash rebate if paid in full balance is greater than $5000 a month, however if it's not reported to the bureau, is it hurting my score in anyways?
The only CC I use out of the 8 that appear on my credit report is Chase Freedom for my cable bill and cigarette, thus the credit utilization is very very low, what would you guys advise me to do?
It said my newest account was 2 months ago, but I dont remember making a new credit card...
10-02-2008, 07:29 AM
#6
I read this on Yahoo a few days ago:
http://finance.yahoo.com/banking-bud...ow-Your-Limits
Basically your credit utilization is measured per-card. I didn't know that before, I thought it was summed accross all lines of credit. Makes me glad I'm using my highest-limit card. I usually run up 2-3k out of my 12k limit each month. And that's even kind of pushing it.
http://finance.yahoo.com/banking-bud...ow-Your-Limits
Basically your credit utilization is measured per-card. I didn't know that before, I thought it was summed accross all lines of credit. Makes me glad I'm using my highest-limit card. I usually run up 2-3k out of my 12k limit each month. And that's even kind of pushing it.
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10-02-2008, 09:57 AM
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Racer
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10-02-2008, 10:11 AM
#9
Q('.')=O
iTrader: (1)
last time i checked was 748 or something...
btw freecreditreport.com is such a fucking rip off. they charged me for 2 months of $14 just to look at my score once. stupid fucks. luckily my bank refunded the money.
btw freecreditreport.com is such a fucking rip off. they charged me for 2 months of $14 just to look at my score once. stupid fucks. luckily my bank refunded the money.
10-02-2008, 10:21 AM
#10
dɐɹɔ ǝɥʇ ʇɐɥʍ
Last time I knew, which was 2 years ago, it was 792, since then its been all green, a lot of good activity, I would be shocked if it wasn't over 800 by now.
10-02-2008, 10:52 AM
#12
I'm a little over 8".
Last edited by Anachostic; 10-02-2008 at 10:53 AM. Reason: If the measurement can infer anything...
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