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Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Credit Score Accuracy (+/-/=)

How accurate do you think your credit score is, given your own evaluation of your likelihood to pay?
Senior Contributor
Posts: 4,294
Registered: ‎05-01-2008
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Re: Credit Score Accuracy (+/-/=)

Even tho I don't know what it is these days, I'd guess my EX score is low simply because we hate each other!  Smiley Tongue


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: Credit Score Accuracy (+/-/=)

Good One LOL
Valued Contributor
Posts: 1,784
Registered: ‎03-11-2009
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Re: Credit Score Accuracy (+/-/=)


MMart078 wrote:
How accurate do you think your credit score is, given your own evaluation of your likelihood to pay?

 

I feel my EQ and TU are low.
FICOS
TU 807 8/10/15
EX 814 8/10/15
EQ 829 8/7/15
NASA 30K ( Amex 25k ) ( Chase Freedom 10.6k ) ( Venture 23K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: Credit Score Accuracy (+/-/=)

What are they if you don't mind me asking?
Valued Contributor
Posts: 2,682
Registered: ‎07-29-2009
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Re: Credit Score Accuracy (+/-/=)


MMart078 wrote:
How accurate do you think your credit score is, given your own evaluation of your likelihood to pay?

 

I think mine are OK....

 

Our scores right now are reflecting some debt we have taken on for me to finish grad school. I think that's fair. When I graduate in May and start earning a full paycheck again, our scores should gradually rise.

Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: Credit Score Accuracy (+/-/=)

What are you in grad school for?
Valued Contributor
Posts: 2,682
Registered: ‎07-29-2009
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Re: Credit Score Accuracy (+/-/=)

[ Edited ]

Family Nurse Practitioner

 

(Used to be a real estate broker in an earlier life...)

Message Edited by LynetteM on 12-07-2009 08:31 AM
Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: Credit Score Accuracy (+/-/=)

[ Edited ]

You are definately needed. And by the way your scores are excellent as it is, so even with the new debt you are still in great shape.

 

I just became an agent any tips for me?

Message Edited by MMart078 on 12-07-2009 08:33 AM
Valued Contributor
Posts: 2,682
Registered: ‎07-29-2009
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Re: Credit Score Accuracy (+/-/=)


MMart078 wrote:

You are definately needed. And by the way your scores are excellent as it is, so even with the new debt you are still in great shape.

 

I just became an agent any tips for me?


Honesty. Humility. Hard work. Paying attention to every detail that a buyer/seller asks you about. That detail may not be important to you, but it is to them.

 

And...never be afraid to walk away from a client. I remember the day that I had gained enough confidence in myself and my ablities that I could tell a buyer or seller that I believed we may both be happier if they did business with someone else. Boy, that felt good. There is some money that is just not worth it.

 

Have confidence in yourself and your abilities. When I negotiated a listing or selling percentage, and then put a deal together, it seemed that the richest guys in town (...it was always the ones with the most money...) started trying to renegotiate our deal. There would be qualified buyer waiting in the wings, and the seller would tell me he would take the offer if I went down on my commission. I NEVER did that. I felt that my services were valuable, and I didn't want to cheapen the work I'd done...in their eyes or mine. I truly believe I got more business in the end because I was respected.

 

(Also...keep an eye out for the deals, and pick up a few investment properties. If the property can carry itself, and if you can leave the increasing equity alone, you will benefit on down the road. That's where I truly made my money in real estate.)

 

I wish you luck...

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