Unless you live totally "off the grid" like one of those bad guy CIA spies in the movies, credit scores affects EVERYONES LIVES for sure! :wink: Anyone who thinks otherwise is simply ignorant.
With that said, I appreciate the info since I always learn something new about credit scores each time I have to deal with them. I know my score is currently at 804 which I'm quite proud so you can imagine when my bro claims a 917, it got me VERY CURIOUS on how it was done. Glad you guys answered that for me and I appreciate it.
My last run in with Experian/Equifax/Transunion was right out of college when I was trying to buy a house. My scores were all in the mid 700's but with when buying a house most lenders run all 3 bureaus and take the middle score which was 737.
I found out there was a 60 day delinquent, past due and CLOSED status for this $47.16 electricity bill at my old college apartment. Obviously I would have paid it but with all the constant moves in college it must have got lost in the shuffle and took me nearly 14 months and 7 letters to straighten out. By the time it was all said and done, the derogatory mark was about to fall off my record (3 years I think)....sheesh
With that said, I appreciate the info since I always learn something new about credit scores each time I have to deal with them. I know my score is currently at 804 which I'm quite proud so you can imagine when my bro claims a 917, it got me VERY CURIOUS on how it was done. Glad you guys answered that for me and I appreciate it.
My last run in with Experian/Equifax/Transunion was right out of college when I was trying to buy a house. My scores were all in the mid 700's but with when buying a house most lenders run all 3 bureaus and take the middle score which was 737.
I found out there was a 60 day delinquent, past due and CLOSED status for this $47.16 electricity bill at my old college apartment. Obviously I would have paid it but with all the constant moves in college it must have got lost in the shuffle and took me nearly 14 months and 7 letters to straighten out. By the time it was all said and done, the derogatory mark was about to fall off my record (3 years I think)....sheesh
