Who has the crappiest credit? Wanna Play?

[dingdong]

So, I am sitting here thinking, wow my credit sucks, but I knew that, not really worried about it since haven't been usng credit for quite some time.

So I thought I might start a thread called ---dunt da dah----

Who has the crappiest credit?

Here are the rules. I don't want anybody spending any money to see their real FICO scores. This is for entertainment purposes only. So I am thinking, you can only use your creditkarma score, which is totally (well kinda) fake, totally free to obtain, and really easy to do.

I am not affiliated in any way with creditkarma, it is just free so thought it would work well. Not trying to endorse them.


Anybody wanna play?

I'll go first.

My crappy creditkarma score is

507

Watch out Amex Black card, approval is right around the corner!

[fltoo]

Never paid attention since this all started, but hey, I bit and went to karma.
623

Today is the 60 day mark since my 341. I am hoping for discharge this week.

[dingdong]

Hey, not bad, but looks like I am winning so far!

Gotta love the boobie prize!


Thanks for playin'!

[tatt2monster]

Since I know my real credit score is in the 400 range, I'm going to say 450 but soon to go way up since I just retained an attorney for chap 7; my confidence alone will send it skyrocketing, knowing I will be back in the black.

By the way, I like your signature about the Amex Black Card.

[blankslate]

Mine is 520. It went up a point since February... not sure why that is since nothing has changed.

[blankslate]

LOL I take that back. I clicked "update" and it gave me 513. Said it was pulled from Transunion but that still says I have a 520.

[DownNotOut]

My creditkarma said 608. Huh? I'm pretty sure my real credit score is 539. Oh well, guess I'm out!

[dingdong]

Creditkarma is usally way off, that's why I used it, cause it really isn't a real FICO, just thought it would be fun, plus other members would realize we are all in the same boat and not feel too bad about their scores.



DD

[CarrieOakey]

Dratted site wouldn't let me play

My real FICO was 600 or something; but that was largely because I'm apparently still on a couple of my ex husband's accounts (I didn't know this until very recently).

[BrokeinCA]

Mine's 632. Better than I expected it to be since I'm not currently paying any of my bills or my My guess is it will go way down once we file.

[vegas911]

562 - with several lates, then chargeoffs.

was 720+

check out the credit score simulator and if you have not files, go to the bottom and mark the declare bankruptcy area. After the recalculate I went down to 554. Looks like damage is done and BK (loosing 120k in CC), along with timely payments will help me out - a lot!

[queenfluff]

Are they any prizes for highest score?

Mine says 711. Of course, my lawyer is filing my case this week and today is the first day I will not pay my cc's (oo, my 1st day I get to screw Citibank over - I should have a drinkie to toast that! LOL) so I am sure it will start tumbling like a tumbleweed very soon.

I'll post back again later when it falls down into the pits of Hell.

[cupcake]

I expected to be the big winner but mine came back at 653 - LOL! What a joke! I pulled my score from myfico a couple weeks ago and it was 528.

[CarrieOakey]

Wait wait wait if I add my Fico to my cholesterol level....I'm pretty sure I'd win the cake lol

[jennordhavn]

Mine is 529. Up from 499 in January.

My actual TU score from 3/29 is 470, down from 532 on 12/29 which was just a few weeks after I filed.

Not sure why TU is going down but Credit Karma is showing it is going up. I will get my score again from TU on 6/29 so I guess I will see.