What's Your FICO?
FICO: I'll show you mine if you show me yours. Take our poll and see how you measure up.
Don't know your FICO? Here's 5 no-BS ways to get one for free.
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Comments:
I love that movie.
770, last I checked.
735. Not bad for being fresh out of college with 2k in credit card debt (I know I know) and 15k in student loans.
Over 9000! Er... 800 when I checked the other day.
685 or so. Stupid doctors.... I swear to God I will cut you...
a check when I find the time and money.
i must vote, i cant vote, i must vote aaarrgghhh.
Oh The Ice Storm, if there's one thing you taught us, it's that christina ricci could still be hot in a Richard Nixon mask.
Also, Voting seems broken in my Safari.
The only credit report I can access is from Experian, so I have no idea what my credit score is :/
745-755. last pulled about a month ago.
724 according to creditkarma, with a $20,000 car loan, $10,000 college debt, and $15,000 in credit cards.
So I think I'm doing pretty good.
772 as of July 12, 2008. Almost 21...
I think it makes perfect sense that the vast majority of Consumerist readers have 700+ FICO scores (way higher than national averager). Anyone who would take the time to read a personal finance + consumer blog daily is making the effort to be responsible. Yaahh Us!
I'm 22 with a score of 740. Boo-yah!
826, but I don't owe anyone a dime.
I don't have revolving credit, so they lump me in the "we don't know if you're good or bad" FICO range.
436 :( I was really dumb when I was younger, and now i'm paying for it now.
@Sam2k: Good god man. Do you have loans or a dozen credit cards?
I have easily $10,000+ in credit lines, haven't applied for a card in almost a year, always pay on-time, and normally utilize less than 25% of my card limits per month, and my FICO is only ~750ish. I have no loans, though.
783
759, apparently, says CreditKarma. Apparently 760 would put me in the "best rank" for loan rates, etc. But I'm not worried because I'm not in the market for loans. :)
@Mary Marsala with Fries: Yeah, I noticed that one myself. Oops. I would think it's the middle of the curve, too.
758 according to creditkarma.
24, 0 credit card debt, ~$17k in student loans.
755. I love my credit union (PSECU); I get my score for free once a month.
786
@mbgrabbe: I'm looking forward to the time when I'm financially stable enough to not have a credit score.
Bugger. Logged into CreditKarma and saw my old score - 813, updated it and it went down to 773. Probably due to account closures by different companies. Can't think of any bad things I'd have on there, especially since I checked my free reports recently and saw nothing.
@lpranal: upgrade to Firefox. I tried Safari for a while and discovered that nothing worked the way I would expect it to except the apple website
My credit score is: [fraud alert] because my car was broken into and stuff was stolen. I didn't know exactly what was stolen so I froze everything.
790, and my wife is 795. Our first home is in escrow right now, and we just locked in a 30-yr fixed rate of 4.875%. No credit card debt right now (we pay off every month somehow, and are making sure we don't touch credit while in escrow), no car payments the last three or four years and, of course, a little help from the consumerist!
715 according to CreditKarma:
- 22 years old
- ~$2500 in student loans
- ~$19,000 in revolving debt (lost my job at one point, and was living in England for 6 months which also killed me... don't get on my case about it, though, I pay $800/month towards it)
- ~$17,500 auto loan
My WaMu-formerly Providian card gives me my score every month.
Last month, I paid off my student loan (yay! only took 9.5 years!) and my score actually dropped 30 points. I don't get it. I was expecting a jump.
The current voting results are what I was expecting. Seems most of the people vieing consumerist are somewhat financially responsible. Perhaps not some of the people being posted about, but those viewing at least. People with poor credit probably aren't savy enough to look for or even think of using a site like this.
Wow. Not only is the poll missing the most likely FICO range, but there are 2 Monster Cable ads on the page. Boo!
673 on CreditKarma for me. Not bad considering I've only had a car loan for 3 months and a credit card I never use.
@ckaught78: It's tough to say that when people with a score of 600-700 can't even vote because the option was left out...
@PittDragon: I just paid them $6 to tell me absolutely nothing. What a great business model they have there.
785 as of yesterday
Mine is 768 according to creditkarma.
35 years old, lots of debt (mortgage, lots of CC debt, huge student loans)
I guess payment history is everything--mine is stellar.
Over 800, no debt except mortgages (plural we've got investments too).
@snowburnt: Oh, I wonder if that's why mine seemed a little low to me. I had my wallet stolen last month so I've had everything frozen and reissued.
This poll is far from scientific. Fico scores only come from Fair Isaac, and each person has three of them. So which of the three do you want?
Also, scores gotten elsewhere are NOT ficos, use different algorithms, and correlate in NO way to FICO scores. So someone with a Credit Karma score of 700 may just have a real FICO of 600. Thus skewing your results.
Ok... so...
Experian - 633
Equifax - 676
TranUnion - 693
How do I get them all up to the top one?
Am I the only person who doesn't know their FICO score and doesn't care? Unless you're applying for a loan, is there really a need to know your score?
I can't resist using the time-honored complaint of "THIS POLL NEEDS MORE OPTIONS."
That said, I seem to recall mine being in the high 600s or low 700s.
Is this the thread where I get to tell everyone my credit score is higher than everyone elses?
'Cause mine is eleventy billion million skillion and one.
You...kinda forgot 600-700...