Mojoe Posted May 6, 2007 Report Share Posted May 6, 2007 From what I have seen, Those sites do not report the same credit score as what lenders get when they pull your credit. They have been 30 -50 points higher than what the report shows on the people I have worked with. Then I'm sitting there telling them, "No, your score is not 700+". "It's mid to high 600's. I have run into this with tree couples times in four months. That's 6 people getting bad readings. Quote Link to comment Share on other sites More sharing options...
Earl1647545488 Posted May 7, 2007 Report Share Posted May 7, 2007 Whats your age? Yes, the age stated there is true. I don't remember how long I've had that card, but I believe I was over 25. Quote Link to comment Share on other sites More sharing options...
Mojoe Posted May 7, 2007 Report Share Posted May 7, 2007 USAA insurance and banking are 2 different topics. Check out their $ side of things. Quote Link to comment Share on other sites More sharing options...
87GT Posted May 7, 2007 Report Share Posted May 7, 2007 I've had a capital one visa card for a few years. Last year they had a deal only on balance transfers where its %2.99 until you pay it off. I transfered all my cc balance to that card and locked up my visa in my safe. I am still paying it off but that is the best way to go, whatever has the lowest percentage. I don't think it looks good on your credit score to keep transferring balances to other CC's Quote Link to comment Share on other sites More sharing options...
Nitrousbird Posted May 8, 2007 Report Share Posted May 8, 2007 He's saying his card is 0% for a certain amount of time. If he remembers right, even after that time period has ended, the new rate is still lower then 10.9% See, even with my mistyping, he was still able to figure it out without an issue. Gee, Eli, you are the self proclaimed Mensa genious, I figured you shouldn't have a problem figuring this out. becon in the low 700s. So Joe, not everyone is a golden boy like you with perfect credit. I had to work my ass off to get mine where it's at now, so I'm personally pleased. 700's should be more than enough to get you a better rate. Mine is somewhere in the 700's (mid 700's last time I checked, but haven't had a reason to look in a while, but no reason for it to be lower). 700's should be more than enough to get better than 10.9%. Anthony, you should realize you had to earn that score, now reap the benefits, don't settle on some shitty interest rate because you think that is all you deserve. Quote Link to comment Share on other sites More sharing options...
Bam Posted May 8, 2007 Report Share Posted May 8, 2007 +1 on the above. My credit is mid 700's as well and I have 5 cc's, all with no balances, but I get those mailings once a month or two that include the checks to to balance transfers or just buy shit up to my available balance and the last one I got was .09% until Dec 07, or 3.9% fixed until its paid off, and my available credit on that card was $14,000, so just where you are. I considered paying off my car with that credit card offer, being as that my car loan is 6.19%, so almost 3% lower, but it would KILL my utilization, or my debt to income ratio and having unsecured credit looks way worse than having a loan. I mean, more power to you if you are happy with the rate, but check out Chase or anyone of the other 0% balance transfers etc. I've had good luck with chase so far, both my cards have less than 9% rate on purchases if I ever leave a balance, both are rewards, one is 3% cash back, one is "sony points" but I got 10 free movie tickets to AMC, neither have any fees, and my combined available balance between the two is over $20k, and I'm only 21, god forbid me ever racking up that much CC debt. Quote Link to comment Share on other sites More sharing options...
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