How can I view my credit score with Sallie Mae Mastercard?

For just about anything you want to get off your chest about credit cards.
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Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Mon Apr 28, 2014 11:01 am

7055 wrote:Out of curiousity, how do you know this? Aren't the formulas for calculating credit scores highly guarded secrets?

The actual details and algorithm (because the devil is in the details) remains a secret. The breakdown of what percentage each category makes up your score is known, though. See this link from FICO:

Something to remember is that the graph is "on average". Someone with a long credit history probably isn't going to be affected very much by a single inquiry as someone with a thin file. Someone with maxed credit and a few derog's is going to be dinged more than someone with low utilization and a blemish free history.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Mon Apr 28, 2014 1:29 pm

darkguy2 wrote:If you get a store card that reports then you will take a hit on your AAoA if you close it.

hmm... this isn't what I'm seeing with my closed BR card account. It's still on my report and hasn't negatively affected my AAoA.

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Joined: Sun Feb 09, 2014 6:49 pm
Location: north dakota

Postby 7055 » Sat May 03, 2014 10:49 pm

Haha, I love this card! I just viewed my credit score, it's 766, is that pretty good?

Is it normal for a purchase I made 6 hours ago to not be showing up yet?

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