Credit Score.

ON Semiconductor / Eng chip_monk
Dec 3, 2019 17 Comments

What is the lowest your score has been?
What is it now and what did you do to greatly increase it.?

Current score: 658
College student :(

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TOP 17 Comments
  • United States Marine Corps TiCV34
    You’re good. I was 574. In 8 months I upped it to 658 now. Still rising

    Download credit karma app actually helped to monitor it weekly. Also disputing questionable bad marks got them removed. Otherwise just pay and be patient. Use the app to monitor credit % used and keep it dropping.
    Dec 3, 2019 0
  • Oracle
    Adidas11

    Oracle

    PRE
    Microsoft, VMware
    Adidas11more
    615, from back when I was in my mid to late 20’s. I think this was just a function of not having a lot of credit, plus a late payment on a car I leased back then. Over the years, my credit improved to high 700’s and when I bought my first condo at the age of 40. Right now, my FICO Experian score is 843
    Dec 3, 2019 2
    • ON Semiconductor / Eng chip_monk
      OP
      Holy cow that’s high...
      Dec 3, 2019
    • Oracle
      Adidas11

      Oracle

      PRE
      Microsoft, VMware
      Adidas11more
      Yeah, I’m a bit surprised by it as well. My Vantage 2.0 scores are 804 and 800 depending on the credit rating agency. Maybe FICO and Experian are being more generous for me.
      Dec 3, 2019
  • 660 was my lowest ever. I increased it by opening a shit ton of credit cards over the next year but not use them except for a couple bucks here and there, while paying least the minimum each month. Its around 740 right now.

    But this should go without saying: fix your habits first before you open new accounts lol
    Dec 3, 2019 7
    • But this should go without saying: fix your habits first before you open new accounts lol
      Dec 3, 2019
    • Facebook tAGO84
      I wouldn't worry about microoptimizations. 650 is pretty good. It'll go up if you keep paying your debts on time.
      Dec 3, 2019
  • Northrop Grumman anon0110
    About 560. Since I had credit card debt the only solution was to pay it off over time and debt to max debt ratio went down. It can take years to pay off debt. Take it from me, don't use credit that you can't pay in full when it's due. The score was too low for debt consolidation. Credit score sites tell you why it's bad.
    Dec 15, 2019 0
  • Facebook pottymouth
    640 after I graduated from college and couldn’t pay bills
    Dec 3, 2019 0
  • Amazon XNkg45
    640, when I first opened a CC
    Dec 3, 2019 0
  • Facebook public2
    Never been low. Like many, parents added me to their accounts as a teenager so I inherited their credit history. I have 10+ more years credit history than I have been alive. Do this if you can; easy way to jumpstart the benefits of great credit. If you cannot or your parents don't trust you then get a cc and request a limit increase every 6 months and aim to keep your utilization under 15%.
    Dec 3, 2019 0
  • Amazon / Eng SmkWdEvyDy
    Lowest I ever remember was like 720 maybe. At 750 now. It's been pretty consistently in that range as long as I can remember.
    Dec 3, 2019 0

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