Any credit masters here?

StonedTime
StonedTime

any credit masters here?
explain this shit to me please?

also ITT: share credit scores/stories

King_Martha
King_Martha

1) Not Fico Score, its a vantage(precise not accurate) score looks like.

2) 7 years to a complete score,

3)missing data

4) possible problems beyond the 2 year payment history.

farquit
farquit

@King_Martha
can't get credit card cuz low credit score
credit score low cux no credit card
fucking circle jerk credit shit.

Techpill
Techpill

@farquit
Very adult attitude. I can tell you're gonna far user.

Burnblaze
Burnblaze

@Techpill
shut up. everything you have was prolly handed to you. if so, then your input is shit.

if you actually know why 100% on time payments = shit score, please enlighten me.

Flameblow
Flameblow

walmart almost never says no if you can verify id. If you can't get A secured card, YOu should try for the highest limit secured card you can get.

TurtleCat
TurtleCat

@Burnblaze
If you don't have a credit card, then the only thing on your credit report is going to be either (a) something old, or (b) something like your utility bills. No one really gives a shit if you pay your electric bill on time, because it's not really credit.

Also, you're a faggot.

GoogleCat
GoogleCat

Isn't credit card to Jewish? Why not stick to debit card?

Nojokur
Nojokur

@Burnblaze
You shut up.
Fresh immigrant speaking.
I got a CC after 3 months using a checking account at a bank.
$800 limit, now $4,000 after just 1 year.

cum2soon
cum2soon

@farquit

Had this happen to me when I started building credit. My banks didn't offer any credit card services and I didn't want to put up on a secured card.

I just picked a few stores that I frequented and picked the one I thought would be easiest to get a store card. After a months (may have been 5-12 months) I went ahead and applied for a credit card.

Don't try to apply for a bunch of credit lines, some of those pulls may not disappear from your history for 2 years. Try to pay off bill every month as debt to available credit is also a factor.

I didn't want to bend over backwards for a starter card and didn't want an annual fee as I knew that my open credit line history would be somewhat important getting started. So chose something that you can keep for a few years before moving on (hence why I chose a store card).

RavySnake
RavySnake

@StonedTime
You need to give the jews more money, then you get a bigger goy number.

happy_sad
happy_sad

@cum2soon
Secured cards start st like 300 hundred bucks, hows that a problem for you??

Methnerd
Methnerd

@cum2soon
What's the issue with a secured card? Genuinely asking because I have no credit and am looking into building it.

StonedTime
StonedTime

@StonedTime
515

Jesus christ how? That can't be just from starting out with no credit history.

CouchChiller
CouchChiller

@StonedTime
Go off the grid OP you won't regret it.

FastChef
FastChef

@farquit
I'm poor and started out like this too but I managed to get a Cap 1 Secure with no job a couple years ago and managed to get more cards as time went on afterwards.

It's been about 6 years now and I'm at TU 716 and E 696 with a slave wage job and have multiple cards that I got for the financing they offered then didn't use them again.

I don't know how you can't get the Cap 1 secure I've had some coworkers that couldn't get it either and they were pretty dumb people so that must be something you should consider?

Stupidasole
Stupidasole

@Methnerd
b/c they're dumb. its a bad loan

Need_TLC
Need_TLC

@Stupidasole
Why is it a bad loan?

Garbage Can Lid
Garbage Can Lid

@Need_TLC
When I got a secured card I deposited 50 dollars and got 200 dollars of credit and managed to build up my credit legitimately. When I didn't need the card I closed it and got my 50 dollars back in the form of a check.

takes2long
takes2long

@Garbage Can Lid
That's great to hear. I was contemplating getting a secured card to start building credit. Though what should someone do after they've started building credit? When's the appropriate time to applying for unsecured cards?

TreeEater
TreeEater

@takes2long
I got my second non secured card after about 8 months probably. I paid my internet bill every month with the card which was 40 bucks and paid it off on time every month. It was another Cap 1 card and I wouldn't get another card until maybe 2 years later but after that I got approved for pretty much any.

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