The last time I pulled a credit report on myself was back in 2008 using one of those free websites.
It was enlightening and kind of disappointing too. I mean, there weren’t any negatives listed in the report and it was cool to see how many accounts that I actually had (and forgotten existed) but it never actually told me what my credit score was — you know, that magic number that’s calculated in total secrecy kinda like how college football rankings are set.
It’s a meaningless number that, for some reason, holds a lot of weight.
Well, while the defensive financial move we made earlier this week hasn’t really gone anywhere just yet — still signing all of the paperwork — the bank did provide us with our credit scores.
Now, I don’t keep track of my wife’s finances here on PIAC but I’m pretty sure she won’t mind me sharing here credit scores as well as my own:
Experian: (Range of Possible Scores: 340 to 820)
·Brainy – 821
·Wife – 792
TransUnion: (Range of Possible Scores: 300 to 850)
·Brainy – 809
·Wife – 804
Equifax: (Range of Possible Scores: 300 to 850)
·Brainy – 809
·Wife – 810
So, if you look closely, I’m apparently “off the chart” on the Experian one…
It’s probably a typo — the paperwork sent to us to sign was littered with them — but, either way, we’re perfectly happy with those scores.
Who wouldn’t be?
The one thing that I did notice listed under my scores is something that I think may have actually hurt my score a tiny bit.
All three credit bureaus listed “No recent revolving balances” and/or “Lack of recently reported balances on revolving/open accounts” as key factors for me but not my wife.
What’s the big difference between me and my wife?
Well, she’ll carry a credit card balance from time-to-time. I haven’t for the past 2+ years but based on this, well, maybe I should.
Or not — I’m still happy with the scores.
I mean, it kind of reinforced what I said earlier — right now we’re quite possibly in the best financial position that we’ll ever be in. Let’s take advantage of it.
Here’s to hoping that it’s enough to make the re-fi happen without a hitch…