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I'm curious what the credit score would be of a fiscally-responsible 30 year old with no credit cards. Care to share a ballpark, if you know?

• SeanBoocock 10y ago
  The closest I have is the approximation supplied by my credit union (Alliant). Currently it sits at ~660, having fallen from ~740 when I finished paying of my student loans. At the moment I am counting on saving more than the standard 20% for a future home purchase, in order to minimize the impact of my lower credit score on a worse mortgage interest rate.
  • op00to 10y ago
    thanks! That's interesting that you took such a hit from having your loans paid off. I know that has an effect, but that totally dropped you out of prime territory. When shopping for your mortgage, you may want to see smaller mortgage brokers who would be able to give you a slightly better deal versus going to a larger bank. Good luck!