M**3 发帖数: 186 | 1 都还是学生,不过马上上班了
发现最近Amex提供free的credit report,查了一下
我的差不多770,我LD的780(汗,没比过啊)
应该挺不错了是吧?
需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800
以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。
谢谢了。。。 |
f****i 发帖数: 20252 | 2 够了
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
a******e 发帖数: 36306 | 3 这个分数完全够用了。。。。
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
a******e 发帖数: 36306 | 4 记得把你查的结果存底,不管你买车还是买房,那些人都可能耍花招
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
M**3 发帖数: 186 | 5 呵呵,多谢提醒。。。存了pdf了
现在amex提供30天免费的credit report,挺方便的,给大家推荐一下,:D
【在 a******e 的大作中提到】 : 记得把你查的结果存底,不管你买车还是买房,那些人都可能耍花招 : : 800
|
a***x 发帖数: 26368 | 6 credit干屁啊
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
M**3 发帖数: 186 | 7 ???
说话不能好听一点???
【在 a***x 的大作中提到】 : credit干屁啊 : : 800
|
s***y 发帖数: 2607 | 8 which credit bureau does amex use?
when you apply loan, lender will pull the three major bureaus and use the
median one. some one may have one very high but the other low real low...
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
G******i 发帖数: 5226 | 9 Amex那个好像不准
似乎比FICO的score高不少哦
俺就空欢喜了一场
结果没拿到最低的rate
那位明白的进来说说..
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|
M**3 发帖数: 186 | 10 By default, AMex shows you the Experian score. Now, there are two others (
Equifax and Trans Union), which you have to pay to get the score.
You might be right. The median may be lower the one is currently shown by
Experian. I am not sure though, typically how big a difference can it be.
【在 s***y 的大作中提到】 : which credit bureau does amex use? : when you apply loan, lender will pull the three major bureaus and use the : median one. some one may have one very high but the other low real low... : : 800
|
|
|
M**3 发帖数: 186 | 11 As compared to Amex's score, what is the difference to your FICO score?
5% difference, or 10% difference???
【在 G******i 的大作中提到】 : Amex那个好像不准 : 似乎比FICO的score高不少哦 : 俺就空欢喜了一场 : 结果没拿到最低的rate : 那位明白的进来说说.. : : 800
|
s***y 发帖数: 2607 | 12 that's really not predictible. just my case, two were over 740 and one was
below700....-__-//... (in this case, I am lucky. but I really have no idea
why my scores are so low)
【在 M**3 的大作中提到】 : By default, AMex shows you the Experian score. Now, there are two others ( : Equifax and Trans Union), which you have to pay to get the score. : You might be right. The median may be lower the one is currently shown by : Experian. I am not sure though, typically how big a difference can it be.
|
G******i 发帖数: 5226 | 13 it's almost 10% less for my case..
【在 M**3 的大作中提到】 : As compared to Amex's score, what is the difference to your FICO score? : 5% difference, or 10% difference???
|
M**3 发帖数: 186 | 14 Wow, that's pretty significant... makes me want to check fico score now.
By the way, is fico one of the following three: Experian, Equifax and Trans
Union. Or it is the median of the three?
Not sure if this is gonna be a second pull on my credit score, if I check
fico. If that is the case, I am reluctant to do that at this point.
【在 G******i 的大作中提到】 : it's almost 10% less for my case..
|
r*********r 发帖数: 110 | 15 The free credit score provided by AMEX is Experian PLUS credit score, which
is different from the FICO score most lenders use. |
M**3 发帖数: 186 | 16 You are right...
Now I kinda regret I did the Amex check, as it results in pulling of my
credit score. I can however pay on Amex to see the score from the other 2
places (Equifax and Trans Union). Is FICO score one of them?
which
【在 r*********r 的大作中提到】 : The free credit score provided by AMEX is Experian PLUS credit score, which : is different from the FICO score most lenders use.
|
a****r 发帖数: 4965 | 17 If you really want to see your FICO score, go to myFICO.com instead of
pulling by American Express.
Also, you can get all three scores with a lender when you ask for a pre-approval letter. No need to buy three scores individually.
【在 M**3 的大作中提到】 : You are right... : Now I kinda regret I did the Amex check, as it results in pulling of my : credit score. I can however pay on Amex to see the score from the other 2 : places (Equifax and Trans Union). Is FICO score one of them? : : which
|
K******S 发帖数: 10109 | 18 my credit score is always around 710-730 but that didn't stop me from
getting car loan (promotion APR) and house mortgage (normal APR). The
overall loan/networth percentage, the tendency to borrow money and the
ability to pay it back on time are more important.
800
【在 M**3 的大作中提到】 : 都还是学生,不过马上上班了 : 发现最近Amex提供free的credit report,查了一下 : 我的差不多770,我LD的780(汗,没比过啊) : 应该挺不错了是吧? : 需要想办法再升一下嘛?昨天打听,有人说买车贷款使得score升到815的,不知道800 : 以上是不是对以后买房子利率有帮助,还是这样就差不多了。。。 : 谢谢了。。。
|