The Perfecto

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rated:

850 out of 850
Disclaimer
This is my FICO as it shows on my Barclaycard website today.  I believe they use Trans Union FICO 08.  I did have an 850 briefly late last year, and then it dropped to about 835 - 838.

The secret is always pay for what you charge on time, and in full, whenever possible.  Don't finance your burgers.  It also takes a large credit file, that's been around for a while, with a variety of accounts (mortgage, credit cards, lines of credit).  Keep your utilization very low.  On my Trans Union report, I don't believe it shows any inquiries in the past year.  There is one new credit card account in the past year (a Visa card I opened in February).  There is another account between one and two years old.  The rest are older.

 

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That score is way too high. Start using it to make money

"Hey babe, wanna see my credit score?"

Nope, that never worked for me either.

ZenNUTS said:   "Hey babe, wanna see my credit score?"

Nope, that never worked for me either.


Never tried that line. I once had to deal with a golddigger, but that's a long, long story.

burgerwars said:   
ZenNUTS said:   "Hey babe, wanna see my credit score?"

Nope, that never worked for me either.


Never tried that line. I once had to deal with a golddigger, but that's a long, long story.

  We are totally up for story time.  

Kandykornhead said:   burgerwars said:   
ZenNUTS said:   "Hey babe, wanna see my credit score?"

Nope, that never worked for me either.


Never tried that line. I once had to deal with a golddigger, but that's a long, long story.

  We are totally up for story time.  


Brief story: Ruth's Chris Steakhouse. She wanted to go. We went to the one in Beverly Hills. Easy to spend a lot there. After going she indicated we need to go weekly. I thought she was kidding, but no. She didn't understand places like that are for special occasions. In-N-Out Burgers are places to go weekly. The only way I could afford to go there weekly is if we brown-bagged PB&J sandwiches and just ordered 7- Up.

burgerwars said:   Kandykornhead said:   burgerwars said:   
ZenNUTS said:   "Hey babe, wanna see my credit score?"

Nope, that never worked for me either.


Never tried that line. I once had to deal with a golddigger, but that's a long, long story.

  We are totally up for story time.  


Brief story: Ruth's Chris Steakhouse. She wanted to go. We went to the one in Beverly Hills. Easy to spend a lot there. After going she indicated we need to go weekly. I thought she was kidding, but no. She didn't understand places like that are for special occasions. In-N-Out Burgers are places to go weekly. The only way I could afford to go there weekly is if we brown-bagged PB&J sandwiches and just ordered 7- Up.

So she was In n Out hot but not Ruth Chris hot...

miserly said:  So she was In n Out hot...
  Phrasing..



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