DW and I were looking at our credit scores on Credit Karma or Credit Sesame (no way I'm paying for curiosity information). Her score is up to "deity" level. Mine is still somewhat below "hero," probably in the "champion" range.
Basically, her score shot up by about 35 points to the "nowhere to go but down" range. Mine is still "very good," but there's a lot of both up and down potential. When we look at the basis behind the scores, we both score A in every category.
I'll never understand credit scores. Our credit has been married for over 6 years. Anything bad on mine from before should have fallen off.
Good thing we pretty much ignore these things. There's something about walking into a car dealership and saying, "We don't care about payments. All discussions will be referencing bottom-line, drive-out , we're-done-forever pricing. If you send me into the room with the lady who wants to sell me undercoating, pin striping, and extended warranties, I'll say 'yes' to everything she asks. Just be aware, though, that the number you and I come up with is the final answer, so you won't get another penny above that, no matter what you throw in for free."
We're currently saving to purchase our retirement home outright. I doubt I'll need a mortgage broker, and the title company will be someone I hire, not one hired by the bank or some other entity. I guess I've learned that doing things yourself saves money.
Still wish I knew why my credit score isn't moving at all. We pay our present mortgage on time every month.
Credit Scores
April 20th, 2013 at 12:06 pm
April 20th, 2013 at 03:07 pm 1366466856
I love hearing about people who pay cash for things that most of us don't. I'm sure it is fun to see the faces of people who are selling you the product!
April 20th, 2013 at 05:45 pm 1366476304
April 20th, 2013 at 06:08 pm 1366477710
April 20th, 2013 at 10:18 pm 1366492681
There is no reason for hers to be nearly at the maximum and mine nearly 100 points below hers. Like I said, I just don't understand credit scores. They are completely illogical. I would expect long-term married scores to be very similar to one-another.