Employer’s increased use of credit check

[davelj]

[quote=four walling]

I did a quick scan of your responses and decided that since my FICO score IS 850, whatever I am doing must work.

[/quote]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. In fact, I used to ask my friends in the mortgage industry if they’d ever seen an 850 and no one ever had. I’m on the loan committee of two banks and I’ve seen literally thousands of credit files and never seen a FICO above 820. I have an 800-ish FICO and I’ve never been late with a payment of any kind ever. And I always pay off my credit card bills in full, etc. And I have a 20+ year credit history, so longevity isn’t the issue, either. So, I’ve always kind of wondered what it took to get to this mythical 850 number. 850… how very unusual.

[CDMA ENG]

[quote=paramount][quote=CDMA ENG][quote=paramount][quote=UCGal]paramount – not sure what I did to piss you off.
Does it really bother you that I spend less than I earn? Wow.

[/quote]
No, it’s your self-righteous attitude about it that pisses me off, and some others on here as well.
[/quote]

Look in the mirror brother…

That is exactly how you are coming off…

CE[/quote]

Negative. I don’t see the issue as black and white and see people as snow flakes, and not willing to pass judgement based on some report from a corrupt corporation like you and UCGal. That’s what being self-righteous is all about..[/quote]

You just did…

and now I am judging you…

Conclusion… Not worth arguing with you..

CE

[CDMA ENG]

[quote=paramount][quote=CDMA ENG][quote=paramount][quote=UCGal]paramount – not sure what I did to piss you off.
Does it really bother you that I spend less than I earn? Wow.

[/quote]
No, it’s your self-righteous attitude about it that pisses me off, and some others on here as well.
[/quote]

Look in the mirror brother…

That is exactly how you are coming off…

CE[/quote]

Negative. I don’t see the issue as black and white and see people as snow flakes, and not willing to pass judgement based on some report from a corrupt corporation like you and UCGal. That’s what being self-righteous is all about..[/quote]

You just did…

and now I am judging you…

Conclusion… Not worth arguing with you..

CE

[CDMA ENG]

[quote=paramount][quote=CDMA ENG][quote=paramount][quote=UCGal]paramount – not sure what I did to piss you off.
Does it really bother you that I spend less than I earn? Wow.

[/quote]
No, it’s your self-righteous attitude about it that pisses me off, and some others on here as well.
[/quote]

Look in the mirror brother…

That is exactly how you are coming off…

CE[/quote]

Negative. I don’t see the issue as black and white and see people as snow flakes, and not willing to pass judgement based on some report from a corrupt corporation like you and UCGal. That’s what being self-righteous is all about..[/quote]

You just did…

and now I am judging you…

Conclusion… Not worth arguing with you..

CE

[CDMA ENG]

[quote=paramount][quote=CDMA ENG][quote=paramount][quote=UCGal]paramount – not sure what I did to piss you off.
Does it really bother you that I spend less than I earn? Wow.

[/quote]
No, it’s your self-righteous attitude about it that pisses me off, and some others on here as well.
[/quote]

Look in the mirror brother…

That is exactly how you are coming off…

CE[/quote]

Negative. I don’t see the issue as black and white and see people as snow flakes, and not willing to pass judgement based on some report from a corrupt corporation like you and UCGal. That’s what being self-righteous is all about..[/quote]

You just did…

and now I am judging you…

Conclusion… Not worth arguing with you..

CE

[CDMA ENG]

[quote=paramount][quote=CDMA ENG][quote=paramount][quote=UCGal]paramount – not sure what I did to piss you off.
Does it really bother you that I spend less than I earn? Wow.

[/quote]
No, it’s your self-righteous attitude about it that pisses me off, and some others on here as well.
[/quote]

Look in the mirror brother…

That is exactly how you are coming off…

CE[/quote]

Negative. I don’t see the issue as black and white and see people as snow flakes, and not willing to pass judgement based on some report from a corrupt corporation like you and UCGal. That’s what being self-righteous is all about..[/quote]

You just did…

and now I am judging you…

Conclusion… Not worth arguing with you..

CE

[scaredyclassic]

huh. im not even sure what the argument is about. we’re all self-righteous. everyone thinks they’re right. that’s why lawyering is such a good business! esp. me. here’s a kind of funny link sort of on topic that naybe could bring us all together in a pspirit of togetherness..

http://www.theonion.com/articles/we-will-never-be-united-as-a-nation-as-long-as-the,17764/

[scaredyclassic]

huh. im not even sure what the argument is about. we’re all self-righteous. everyone thinks they’re right. that’s why lawyering is such a good business! esp. me. here’s a kind of funny link sort of on topic that naybe could bring us all together in a pspirit of togetherness..

http://www.theonion.com/articles/we-will-never-be-united-as-a-nation-as-long-as-the,17764/

[scaredyclassic]

huh. im not even sure what the argument is about. we’re all self-righteous. everyone thinks they’re right. that’s why lawyering is such a good business! esp. me. here’s a kind of funny link sort of on topic that naybe could bring us all together in a pspirit of togetherness..

http://www.theonion.com/articles/we-will-never-be-united-as-a-nation-as-long-as-the,17764/

[scaredyclassic]

huh. im not even sure what the argument is about. we’re all self-righteous. everyone thinks they’re right. that’s why lawyering is such a good business! esp. me. here’s a kind of funny link sort of on topic that naybe could bring us all together in a pspirit of togetherness..

http://www.theonion.com/articles/we-will-never-be-united-as-a-nation-as-long-as-the,17764/

[scaredyclassic]

huh. im not even sure what the argument is about. we’re all self-righteous. everyone thinks they’re right. that’s why lawyering is such a good business! esp. me. here’s a kind of funny link sort of on topic that naybe could bring us all together in a pspirit of togetherness..

http://www.theonion.com/articles/we-will-never-be-united-as-a-nation-as-long-as-the,17764/

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[Author]

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