I got a funny little call the other night. The Mrs. had received a package from Chase Bank a few days ago, and when she opened it on up she was surprised to learn that a) someone had ordered her credit score for her, and b) it was quite the large number!
That person who had ordered it, unbeknownst to him (even though he probably just forgot and/or didn’t realize what he was doing in the first place) was me. I had received a phone call from Chase where our 1st mortgage currently is, and they were interested in helping us refinance and lock in a lower rate before taking my business elsewhere. Presumably (and correctly) USAA – who now happens to be on my list to call in case this Obama stuff checks out ;) But that’s not the fun part here…
The FUN part is that my dear wife called to
gloat inform me of her new shiny number – that of the awesomely high 778. And as any good husband would do, I naturally applauded her for her supreme financial know-how. (I mean come on – that’s sexy, right?!)
And then I hear this: “Correct me if I’m wrong, but I do believe that’s higher than yours, right honey?” *Gasp!* “Is that a challenge I hear from you, my dear lady?” I quickly shot back. “No no, Mr. BudgetsAreSexy. Not a challenge, just an observation ;)” (she didn’t actually SAY a smile there, but you could tell she was bursting with enjoyment after every other word left her mouth).
I couldn’t believe what I was hearing. The wife was actually doubting the honorable J$! You don’t get away with that unless you’re incredibly beautiful and/or my mother ;) And of course, even then I couldn’t leave it alone – now I just HAD to know what mine was! It’s true the Mrs. beat me 4 years ago when accidentally buying our 1st house, but times have changed a lot since then, and I was pretty confident my recent years of rockin’ it out have done some good.
So as soon as I got back from SXSW, I rummaged through the piles of mail until I finally came across that fateful envelope. The one that would either prove my innocence, or force me to clean the entire house by myself this week — my punishment if I lost our bet ;) So I tore that bad boy open, whistled for the woman to come downstairs, and read that sentence loud and proud:
“Your credit score is…. 791” I won, I won!!!!! Wooooooo!!!! Haha…
So there you have it. J$ is back on top again :) All that debt paying, on-time billing, smarty financial decisions is still pushing my boat forward. And without a doubt my trusty wife is right up there with me – doing her thang just as well! There’s really no losers in this deal.
If you haven’t checked on your credit score lately, go out and learn what it is! And then drop it like it’s hot here in the comments. I KNOW some of y’all gots both of us beat. I wanna see one in the 800’s :) Any of you already know yours? Let ‘er shine!
PS: An easy way to do this is to first run your credit *report* (the most trustworthy one is Annual Credit Report, and you can run it FREE once a year (real free, not “spammy free”)), and then
pay the $6 or $10 or whatever it is to then get your score use Credit Sesame to get your free *score*! That way you get the COMPLETE snapshot of your credit history, and can make sure there’s no nonsense on your actual report once you skim through it.
PPS: I literally JUST did mine right now (took me less than 5 minutes) and now I’m set for the year :) And saved me the few bucks on the *score* since Chase just did it for me – W00T! Now go get your score! Curious minds want to know…
PPPS: Discover credit card has run my score a total of FOURTEEN (14) times this year to try and get my business… (every wonder how you get pre-approved randomly?) WOW. Damn good thing those checks aren’t held against you!
Bonus tip: Find a good "balance transfer" offer to help pay off debt faster!
If you’ve been making payment after payment (on time) and still haven't been able to get your debt under control, snatching up a good balance transfer credit card offer may be the ticket to try. That’s where in order to gain your business - credit card companies will let you transfer your existing debt to a new card and let you pay ZERO PERCENT interest on it. Saving you tons every month!
What's the catch? Usually balance transfer cards charge a fee (around 3% of your debt balance) to let you transfer your balance to their 0% interest offer. But we've found a great credit card that will let you do a balance transfer absolutely free. Click here to learn more and see if you qualify!
PS: If you don't trust yourself with another credit card, ignore this! This strategy is to help you get out of debt quicker, not risk adding more to it.