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웃

How's Your Credit?

By 웃 in General Polls

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Poll on Credit  

29 members have voted

  1. 1. What is your credit score after averaging all 3 bureaus together?

    • 500 - 579: Very poor score. It's doubtful that you may qualify for the loan, and if you qualify, the interest rates will be extremely high.
      2
    • 580 - 619: Poor score. You may qualify but the interest rates will be very high.
      0
    • 620 - 659: Fair score. You may qualify for the loan but not at good interest rates.
      4
    • 660 - 699: Good score. There won't be any problem in getting a loan at good interest rate.
      3
    • 700 - 759: Great score. There won't be any trouble in getting a loan at good interest rate.
      7
    • 760 - 849: Excellent score. The lender will offer you their best interest rate.
      11
    • I have no credit history.
      2
    • 0

  2. 2. Check all that apply

    • I have filed for bankruptcy before
      4
    • There is a strong possibility I file bankruptcy in the next 10 years
      0
    • I have missed due dates on more than 1 occassion
      4
    • I set up paperless statements on all bills and pay everything online
      14
    • I have more than 2 credit cards that are maxed out
      1
    • My total debt right now exceeds $50,000
      3
    • My total debt right now exceeds $150,000
      1
    • I have less than $10,000 in credit card debt
      10
    • I am debt-free
      14
    • I don't go over 35% of my credit limit
      6
    • All my credit limits, when added together; exceed $50,000
      3
    • I have a credit card relationship with all 4 major cc companies (Visa, American Express, Mastercard, Discover)
      4

  3. 3. How many credit cards do you have?

    • 0
      3
    • 1
      5
    • 2
      6
    • 3
      3
    • 4
      4
    • 5
      3
    • 6
      1
    • 7
      2
    • 8
      0
    • 9
      0
    • 10-15
      1
    • More than 15
      1

8 posts in this topic

Recommended Posts

redglasses Proficient

redglasses   1

Posted
Filed: IR-1/CR-1 Visa (DCF) Country: Japan
 Timeline
Posted

I have no idea what my score is.

Immigration Process (DCF Japan)

08/06/2008 I-130 petition at Tokyo, Japan

08/13/2008 I-130 approved

|

| Waited until we were ready to move back

|

07/13/2009 IV interview at Tokyo, Japan

07/15/2009 IV(IR-1) in hand

Post-DCF

07/29/2009 POE at Las Vegas

08/17/2009 GC(10yrs) received

Click here for the detailed timeline.

Done with USCIS until

- naturalization in May 2012 or

- GC replacement in February 2019

CXmLm7.png

웃 Veteran

웃   910

Posted
Filed: K-1 Visa Country: Isle of Man
 Timeline
  • Author
Posted
I have no idea what my score is.

It's nice to know (sometimes!). If you contact your bank they usually have a credit monitoring service that comes with a 30 day free trial period. You get your report from all 3 bureaus as well as all 3 scores. Just make sure to cancel before 30 days or else they will charge you (usually around $10 per month). I just did this with Bank of America and will cancel within the next week or two before the trial ends!!

India, gun buyback and steamroll.

qVVjt.jpg?3qVHRo.jpg?1

Saddle Bronc Grand Master

Saddle Bronc   124

Posted
Filed: Citizen (apr) Timeline
Posted
  1. last score I had checked was 640 (applying for loan for current car, April 2009)
  2. I have missed due dates more than once (mailed cheque out ON that date), I do have paperless statements (but NOT auto-pay) though I oft STILL enclose a cheque
  3. 5 total ("regular" Amex, Skymiles, Optima, 2 visas)

2005/07/10 I-129F filed for Pras

2005/11/07 I-129F approved, forwarded to NVC--to Chennai Consulate 2005/11/14

2005/12/02 Packet-3 received from Chennai

2005/12/21 Visa Interview Date

2006/04/04 Pras' entry into US at DTW

2006/04/15 Church Wedding at Novi (Detroit suburb), MI

2006/05/01 AOS Packet (I-485/I-131/I-765) filed at Chicago

2006/08/23 AP and EAD approved. Two down, 1.5 to go

2006/10/13 Pras' I-485 interview--APPROVED!

2006/10/27 Pras' conditional GC arrives -- .5 to go (2 yrs to Conditions Removal)

2008/07/21 I-751 (conditions removal) filed

2008/08/22 I-751 biometrics completed

2009/06/18 I-751 approved

2009/07/03 10-year GC received; last 0.5 done!

2009/07/23 Pras files N-400

2009/11/16 My 46TH birthday, Pras N-400 approved

2010/03/18 Pras' swear-in

---------------------------------------------------------------------

As long as the LORD's beside me, I don't care if this road ever ends.

Nagishkaw Grand Master

Nagishkaw   510

Posted
Filed: Lift. Cond. (apr) Country: Egypt
 Timeline
Posted

My credit is excellent.

I am debt-free.

1 credit card.

Don't just open your mouth and prove yourself a fool....put it in writing.

It gets harder the more you know. Because the more you find out, the uglier everything seems.

kodasmall3.jpg

 

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