What's your credit score?

MPmaster
MPmaster

What's your credit score?

How do I break 800?

All urls found in this thread:

knowyourmeme.com/memes/you-vs-the-guy-she-told-you-not-to-worry-about
youtube.com/watch?v=A6Qv9555JUw&t=243s

King_Martha
King_Martha

Dipping below 740 was your first mistake.

happy_sad
happy_sad

The $1500 sign up bonus was too temping.

Playboyize
Playboyize

About 580.

I had a bunch of medical bills when I was a teenager I couldn't pay.

I am denied every credit card and loan application I put in, even the ones meant for repairing your score, I actually can't figure out how to improve my score.

Techpill
Techpill

What card is this

Methnerd
Methnerd

just going to have to wait desu

Carnalpleasure
Carnalpleasure

how long?

Burnblaze
Burnblaze

If you have money you can always get a secured credit line. Like you open a CD account for $1000 and you get a card that takes your D as payment if you default.

Then whatever, use it to pay for gas and pay it off every month.

Flameblow
Flameblow

I'm at around ~750 and 22. I've never really understood it, I just pay shit off on time every time.

Got a Chase Unlimited Card with 1k limit and 25% APR yesterday.

Yeah, it comes with a pretty sweet $150 cashback special. No big deal. :^)

LuckyDusty
LuckyDusty

Worried about your good goy score

You should be worrying about how many assets you own.

AwesomeTucker
AwesomeTucker

lmfao what? I have a 690 and got 4k and 15%, same card

PurpleCharger
PurpleCharger

t.cashcuck

whereismyname
whereismyname

Don't think credit scores exist where I live. So you just pay your card bills on time and your score increases?

Sir_Gallonhead
Sir_Gallonhead

It's hilarious, the only "blemish" on my credit history is that I don't have credit history. That is, I got penalized for NOT taking out a shitload of credit cards in the past. How fucked is that?

(((They))) make you take out a bunch of credit...to increase your credit rating. Then bury your goy ass in debt.

farquit
farquit

You're fucking retarded. You don't even know how credit cards work.

cum2soon
cum2soon

Sam doesn't know where my shekels come from.

Bidwell
Bidwell

Unlimited Card with 1k limit

Just having a kek. I myself have 740 after about 2.5 years of paying my bills in full and on time. AMEX keeps raising my credit limit without asking though, I now have like $215k in credit even though I only make $80k/year

Deadlyinx
Deadlyinx

My credit score is around 700, i have about $90,000 in revolving credit. Literally no point in raising my credit score higher when i already have an absurd amount of credit availible and get good rates on loans.

PackManBrainlure
PackManBrainlure

826

Make sure you have enough lines of credit open, never miss a payment.

LuckyDusty
LuckyDusty

idk, i have to pay 20 bucks to find that shit out in Canada

fuck that

DeathDog
DeathDog

credit scores
Arbitrary good boy points that your bank awards you for giving them money

Fuck that. I don't need it. I'll buy my house with $160k in cold hard cash in 13 months.

FastChef
FastChef

not keeping your cash at room temperature

Ignoramus
Ignoramus

Got me

Nude_Bikergirl
Nude_Bikergirl

tying up assets that could be used to make more money
having that much cash assets in the first place
The financial illiteracy of this board never ceases to amaze me.

Booteefool
Booteefool

You can worry about both lad.

Leverage can be used to acquire mad assets. God Emperor Trump did so.

Sir_Gallonhead
Sir_Gallonhead

785. Its been hovering their for years. I like to cycle credit cards for rewards so thats probably what keeps it so low.

Spamalot
Spamalot

le renting is better meme

BunnyJinx
BunnyJinx

My credit score was 420 blaze it when I got married. I had a good job ($50k wageslave) but shit money management. My wife took over finances and set about fixing my credit.

First we bought an overpriced couch from one of those rent to own places. We chose Aarons. $100/month payments for a year. I probably overpaid $300 for the couch but the goal was credit improvement.

They report every payment as a positive credit alert, as well as the final payment is reported as the final one time payment, and a second report of the full sum.

So I got 12 positive $100 entries and one positive $1200, for a $1200 couch.

From there I got a Walmart card.

Your first card is your most important card. Never let it go below 50%, always have an outstanding balance on it, and never ever ever close it. I hardly use the thing now, but I remind myself to get something at least once a month and I pay it down. I started with a $200 limit now it's got $5000

After the Walmart card we mutually bought a car.

I can't stress this enough. Pay your bills on time at this point. You're going to be reporting regular positive submissions with the car. A negative submission (medical bill, power/utility, whatever) that goes into collections looks much worse now than on its own.

After the car we financed a second so I could have a commuter.

Then I got a second couch, on finance but from a better store, and a second card.

Then I refinanced my cars and the refinance was good for my credit.

Then I bought a home.

I'm currently at 745. Not bad for 5 years.

***
Oh. And consistently grow your income. That helps.

Sir_Gallonhead
Sir_Gallonhead

I'm 21 and mine is at 760-770.

I have one student credit card. One auto loan, utilities in my name.

All I've done is routinely run up the credit card and paid it off. I set my auto loan up to just autocharge me.

Idk not a ton of credit history but enough I guess

Emberburn
Emberburn

You dont need to keep a 50% balance on your card. You can build credit without ever paying interest.

girlDog
girlDog

I have two cards, one that I just use a convenient payment method and always repay each month (so never pay interest), and another one I signed up for but never used at all. How fucked am I? (I'm in Canada so I can't find out for free)

happy_sad
happy_sad

credit score importance
student debt
gpa importance

only in murrica

Burnblaze
Burnblaze

My goy score. 4 cards and I have never missed a payment and I pay in full at the end of the billing cycle.

I only/always use my sapphire card instead of cash, so that probably explains my score.

FastChef
FastChef

757/850
I was at 792 then it all of a sudden dropped back in may, not sure why. Could it be because i paid off my car loan super early?

Spazyfool
Spazyfool

Credit score means nothing it is ultimately only utilised by computers for low value ass credit usually up to 30k, for the rest credit analyst will review and calculate the risk associated with you based on several factors

happy_sad
happy_sad

Is it possible to have a good credit score when unemployed.

Currently studying in college, so the best I could get is some low-wage part-time job.

iluvmen
iluvmen

this

literally laughing my ass off

these goys get tricked into paying and using their CC every month

holy shit

BlogWobbles
BlogWobbles

running water
being able to buy a house before 30
OSHA
only in murrica

DeathDog
DeathDog

"god emperor" Trump is celebrity rich. Like one comedian put it. " If I were to ask Trump to show me 5000 in cash and gave him a week to do it, he wouldn't be able to." The goal is to be like Buffett and the Rothschild, not like Kim Kardashian.

BinaryMan
BinaryMan

t.poorfag who thinks his plastic and borrowing score means anything

JunkTop
JunkTop

Buy a house
You mean borrow. Miss a mortgage payment. The see how much you "own" your house.

BunnyJinx
BunnyJinx

it literally means rewards and cash back on things i already buy anyway with cash / debit
why are nocreditors so thick

Fried_Sushi
Fried_Sushi

1-2% cash back
Whoa, that's like totally worth it. You're too far invested in the meme. You keep building that credit score and racking up those rewards, champ. Then hey, before you know it, you'll be able to borrow your first house. Maybe you can even borrow a Bentley. That'll be the day, huh?

5mileys
5mileys

being so salty you got declined you post 5 times in one thread, 3 posts in a row arguing about something you clearly don't understand

every shitpost should be equivalent to a hard pull

hairygrape
hairygrape

Have fun borrowing shit you can't actually afford, poorfag. What are you wasting time on here for? You gotta go swipe that plastic and collect your 2%.

Deadlyinx
Deadlyinx

I have such bad self control that I simply can't imagine other people not borrowing shit they can't afford

Snarelure
Snarelure

spending what you budget for
pay it all off in full
get some money back

Not everyone carries a balance month to month. What does being poor have to do with credit cards?

RavySnake
RavySnake

Implying I was ever poor and or stupid enough to fall for the credit meme
Having such bad self control that you have to borrow shit you can't afford

Answer me this, borrowfags. If you were a billionaire would your credit score matter? Fuck. No. But your poor and don't want to admit. So you keep flaunting credit like it's actual physical wealth. I call this middle class syndrome. Debt=Liability. This is finance 101. You want to be a CREDITOR not a user of CREDIT. Sheckleberg has you kids ducking programmed. You get that 2%, and don't let anybody tell you your poor, tiger.

TurtleCat
TurtleCat

cringe

LuckyDusty
LuckyDusty

Get some money back
2%

Creditcucks are like people who keep their money in a shavings account. Do you not realize the amount of credit you would have to spend for 2% to ever reach a point where it is a sizeable reward? For every 10 dollars you spend that's 2 fucking pennies. DATS LIKE.... TOTALLY WORTH IT N' SHIEET. GIBS ME DAT PLASTIC SO I CAN BORROW SOME SHIEEET.

CouchChiller
CouchChiller

le cringe
Nice argument, poorfag.

BinaryMan
BinaryMan

And then we gave them 2% back on all the shit they borrowed
2 WHOLE PERCENT

CodeBuns
CodeBuns

implying that math is hard

my cards get me more than 2% back. You sound pretty bitter my dude. I've never carried a balance. I have a set amount of money set aside each month, spend it on credit, get my points, pay off. You just sound like a rube.

GoogleCat
GoogleCat

negative interest rate debt is a liability
This board really is full of idiots.

whereismyname
whereismyname

WOAH WATCH OUT EVERYONE. WE GOT A 3% TOUGH GUY. You guys are great. You get those fucking rewards. I've gotta go manage my HARD ASSETS. I'll shitpost with you kids later.

Illusionz
Illusionz

probably just some kid with a pizza job

Spazyfool
Spazyfool

You mean your $10 robin hood account?

Fried_Sushi
Fried_Sushi

Uses credit
Calls others retarded

Ok that's the last one. I could resist. Don't borrow that 2% too fast. You might hurt someone.

Raving_Cute
Raving_Cute

Just out of curiosity, how do you pay for your day to day purchases?

Lunatick
Lunatick

Works in a pizza place
That'd be you. That's why you need a credit card. Okay, I swear I'm done.

Crazy_Nice
Crazy_Nice

Just out of curiosity, how do you pay for your day to day purchases?

Lord_Tryzalot
Lord_Tryzalot

675 here
I didn't miss payments or fuck anything up, I'm just young. That's up about 53 points from last year. Hope to hit 720+ this year so I can buy one of these.

Spamalot
Spamalot

I did this from age 17 to 23 with only two cards. One was an extension of my dad's, which is how I had a card before 19 in BC. Both were with CIBC.

At one point HSBC told me me score, which was 810. I think you're fine.

SomethingNew
SomethingNew

815 still dont know what to do with it.

5mileys
5mileys

I cannot for the life of me figure out your image.

cum2soon
cum2soon

Be a good goy and sign up for credit cards with high annual fees.

askme
askme

knowyourmeme.com/memes/you-vs-the-guy-she-told-you-not-to-worry-about
youtube.com/watch?v=A6Qv9555JUw&t=243s

idontknow
idontknow

You do that hom boy, I'll just keep laughing at you.

Deadlyinx
Deadlyinx

It costs literally nothing to get a credit card. The 3% back is literally free money. It doesn't matter how many hard assets you have.

BlogWobbles
BlogWobbles

I am floating around 690. My father told me that he would pay this small medical bill that I had at 19, but he never did and it went into default. I would've paid it, but he kept taking my bill. He's dead now, so I guess that's payback for attempting to ruin my credit.

eGremlin
eGremlin

Made some big purchases in december and let them generate a statement instead of paying off

Illusionz
Illusionz

What was the utilization? How different was it from regular usage that it went up to 780 like that?

DeathDog
DeathDog

800+ master race reporting in

Techpill
Techpill

Chase Sapphire/Reserve. Got the Reserve and it's pretty fucking cool. Equivalent to AmEx platinum card.

BunnyJinx
BunnyJinx

5 or 7% I think, I have a lot of credit cards with high limits. but the increase from october to december was unexpected
Didn't think 5 inquiries dropping off would be that big of increase.

TreeEater
TreeEater

using credit
ever

wew

Burnblaze
Burnblaze

572

was at 760 at some point

lost my job, now I have 30+ credit cards. Every month I have to do multiple balance transfers and get loans and all other kinds of fuckery, then get cash advances, buy gold off ebay and pawn it. really lads, I don't know how long I can keep this up.

BinaryMan
BinaryMan

Use borrowell

Emberfire
Emberfire

667

I just have a home loan and a car loan. The only other line of credit to my name was for the engagement ring I bought, and that was 12 month 0% APR, which was pretty much free money at that point.

I really don't care to get my credit down any further. I could do it to refi my home from 3.5% to something lower, but I'd have to get it up buying shit I don't need, and the savings wouldn't be substantial.

RavySnake
RavySnake

buying an engagement ring on credit
buying an engagement ring
people really aren't this stupid right?

Harmless_Venom
Harmless_Venom

Bankruptcy?

idontknow
idontknow

Kek

PackManBrainlure
PackManBrainlure

credit karma explains that it is having 3-7 credit cards in perfect standing (no missed payments), at least one loan in your life, fully paid off, and lots of empty unused credit on your credit cards. Obviously having higher income so your credit limit is higher is key.

I am borderline 800, usually around 799ish. Took 6-7 years.

Sharpcharm
Sharpcharm

My buddy dropped 5k on his engagement ring. It was still second hand too.

takes2long
takes2long

If it was financed at 0% then it was free money.

Burnblaze
Burnblaze

846 when buying a truck two years ago. Didn't know it was that high, don't know what it is now, don't really care. It's not worth worrying about OP, as long as you pay for your shit on time you're good.

Firespawn
Firespawn

he thinks his monthly payment was his credit score

TurtleCat
TurtleCat

lost

BinaryMan
BinaryMan

Lost as well. You win the internet today, user, but there will be tomorrow...

Need_TLC
Need_TLC

ok.. I dont understand this, at all!

I`m norwegian, so our system is not as messed up (?) as the american...

BUT!

credit score!
You have to have a lot of credit cards, use them a lot and pay it all back to be able to get a mortage on your house?

it seems a bit backwards if I understand correctly.

Or am I missing all the points?

in my world, credit cards are the devil, and you stay away. You are only allowed to have one loan, and that is on your house, everything else you pay with money, not with loan...

someone plese expain a bit to a confused guy

Raving_Cute
Raving_Cute

TFW signed up for mobile carrier and they did a hard pull on my credit

Wtf when does my shit recover??

Snarelure
Snarelure

804. Had a couple of inquiries in the last year due to refinancing my mortgage.

SniperWish
SniperWish

not buying the phone outright and using a prepaid sim
good goy

haveahappyday
haveahappyday

Credit

Fools, the lot of you

Techpill
Techpill

How do I break 800?
suck more jewish cock, you can probably fit way more in your mouth if you really try.

ZeroReborn
ZeroReborn

I still don't have a credit score after more than a year of having a credit card.

I have heard that you need more than one line of credit, is that true? I only have the one card which I pay every month.

lostmypassword
lostmypassword

Yes I think that reflects negatively, maybe not negatively but not as positive as paying it off on schedule does.

Deadlyinx
Deadlyinx

more like reddit score amirite

farquit
farquit

tricked

Yea making 1% cash back on everything I'd normally buy anyway with the fruad protection sure is tricking me.....

BinaryMan
BinaryMan

Kek.

Dunno.
Time?

Fuzzy_Logic
Fuzzy_Logic

Pay for secured card.

Is what i did.

450 to 800. Almost 800 anyway.

Feelsgoodman

Supergrass
Supergrass

Room temperature cash is over inflated

Nude_Bikergirl
Nude_Bikergirl

Bro. Keep your cards under 30% utilized.

Your wallet and score will thank me.

450 to 800 in 2 years.

Lord_Tryzalot
Lord_Tryzalot

Topkek.

Muh 8% loan refi to sub 4%.

yeah, i sure got duped...

King_Martha
King_Martha

2salty.

farquit
farquit

he doesnt use credit to buy and rent houses at half the interest rate retarded ghosts pay...

askme
askme

samefag

massdebater
massdebater

hard assests.

probably a bunch of penny stocks and btc...

lostmypassword
lostmypassword

Shit user..

Gigastrength
Gigastrength

Holy shit...

Consider bankruptcy?

Deadlyinx
Deadlyinx

2 years, you got a phone on credit so they did a hard pull, good job reading the terms

TurtleCat
TurtleCat

creditone
Capital one gave me a shitty credit card with 24% apr and no rewards 300 limit at like 500 credit to rebuild credit

I'm 608 now tho thx capital one

Supergrass
Supergrass

Not really.

I got my first credit card as a secured card at 18 and paid for little purchases here and there with it (gas, food, etc.). Always paid it off in the same month.

Now I'm 26 and have a 750+ score.

Sir_Gallonhead
Sir_Gallonhead

For every 10 dollars you spend that's 2 fucking pennies.
I can't imagine living somewhere with such a bad educational system that its graduates can't do elementary level math.

eGremlin
eGremlin

In case you come back to this thread, I really, really like your writing style.

GoogleCat
GoogleCat

How to fix?

Supergrass
Supergrass

Jesus Christ m8, 5 years of awful decisions

Raving_Cute
Raving_Cute

As someone whose score almost kept him from purchasing a new car, do they grandfather in all that old debt you paid off to keep your score current?

Like, has anyone ever got a new line of credit years after having paid off most of your debt and seen your credit score go down?

Can I be 10 years out of debt and still have a 700 score?

Nude_Bikergirl
Nude_Bikergirl

I was at 792 then it all of a sudden dropped back in may, not sure why. Could it be because i paid off my car loan super early?
You paid off your loan, thus ending a line of credit, thus impacting your score as number of lines of credit is a factor

Not to mention your length of credit will have also adjusted when that account closed

MPmaster
MPmaster

rofl holy shit

Inmate
Inmate

I'm pretty sure they fall off the report at some point. Filing for bankruptcy stays on for 7-10 years so the deragotary marks on your report should be clearing out. It's always possible to bring your score back up, just takes time.

SniperWish
SniperWish

Anything above 750 automatically gets you the best rates in "most" things that you would need it for.

Anything over 800 is overkill and can take a lot of useless effort.

takes2long
takes2long

What site do you guys use to check your score? How do I see a history like OP?

Sharpcharm
Sharpcharm

Credit Karma.

It doesn't show you Experian though.

New_Cliche
New_Cliche

Based AMEX. I use the creditsecure service. They provide more accurate scores $16 a month for 2 credit reports a month. Check it out

Nude_Bikergirl
Nude_Bikergirl

Free money
taking 10 years to pay

INFLATION

Emberfire
Emberfire

0% apr means that with inflation he'd be paying less in 10 years.

Supergrass
Supergrass

Nope, but having those 160k in btc is.

girlDog
girlDog

So. They close enough it doesnt matter most times.

Evil_kitten
Evil_kitten

Kredit karma daily. 780+

SniperWish
SniperWish

Credit karma is free but it's not a real FICO score, it's VantageScore. It's only good for credit reports
I have Walmart/Discover for Transunion and AMEX for Experian.
Citi offers a score as well but that uses a different scoring model called Bankcard 8

Techpill
Techpill

FUcking sumbitch cocksuckee mutherfuckers ass..... etc...

PackManBrainlure
PackManBrainlure

theoretically 850 here
having a debt is for plebs

WebTool
WebTool

Most people I know just save up for what they want then buy it on credit card and pay it off immediately that month so they get they cash back from the purchase and don't pay interest on it.

Illusionz
Illusionz

thats actually 20 cents you mong
fucking retard

WebTool
WebTool

$215k in credit even though I only make $80k/year
Holy fuck, that sounds amazing.

VisualMaster
VisualMaster

Setup an account at nerdwallet and they give you a TransUnion score for free.

Stupidasole
Stupidasole

tfw paid direct debits late plenty of times but still achieved MAX credit score

Suck on that

Spamalot
Spamalot

How are you meeting your minimum spend?

haveahappyday
haveahappyday

Canadian 27 yo.... 820 score

Bidwell
Bidwell

owns buildings furnished in gold
lol that does not count because its not USD
Sure pal, im sure Trump would have a real hard time finding 4oz of gold

Methnerd
Methnerd

I'd like to correct and enlighten idiots like you, but then again, I think to myself, why bother? I can just keep idiots like you in the dark and have an easier time in the world when there's so many stupid people like you

iluvmen
iluvmen

max 999

Stark_Naked
Stark_Naked

Credit analyst here, work for a decent company. Ask me what you need

AwesomeTucker
AwesomeTucker


Credit analyst here, work for a decent company. Ask me what you need

decent company
raymond james

pick one

BlogWobbles
BlogWobbles

Repair consultant.
Do you have a question? Judgments, liens, hard inquiries you might want to have removed?

MPmaster
MPmaster

My score 524.

I'm in Ohio. 23

Started at a new job 3 days ago
Opened an account with a local credit union.

Where should I start?

askme
askme

Really simple. The trick is to never use more than 30% of your card limit. Look into what revolving accounts are.
Make your card payments 3 days early, and try to pay in full as often as you can.

All you have to do is pay and not fuck up.

CouchChiller
CouchChiller

I have a question.

I leased a vehicle back in dec 2016.

When applying for the lease my credit was ran by 2 different banks. Barclays and chase auto.

I brought the car home right before Christmas and I make my payment through chase auto.

Since then chase auto has done a hard pull two more times. I called them they said they didn't know why and it would probably disappear after 30 days.

Wtf is going on

viagrandad
viagrandad

They probably shopped your application around to different lenders, and each lender pulled the credit.

removed after 30 days
No way man, more like 6 months. Each hard inquiry is 8-10 points. Go on Google and search ' hard inquiry dispute letter template'

Soft_member
Soft_member

I plan on doing small purchases/investments and paying it off immediately.

Also I have $620 in collections. My mom received internet service in my name and neglected to pay the bill. I believe I were 15 then. How do I remove this?

Boy_vs_Girl
Boy_vs_Girl

Collections you'll have to pay, however you can negotiate how much you have to pay back woth them. A lot of the time, my clients pay 20% of what they owe. Once payed off send a dispute letter (search Google for template, my letters cost $100)

Also, if you want, get a dispute letter for the bill stating that it is not yours and is being reported under you name inaccurately.

As far as the loan goes, pay it off over a period of time, looks better if you were making payments on time for a few months, rather than one month

likme
likme

As far as the loan goes, pay it off over a period of time, looks better if you were making payments on time for a few months, rather than one month
No fun but we live too long for me to complain

Collections you'll have to pay
fucking Christ.

Should I destroy my moms car or remove her bathroom doors?

Supergrass
Supergrass

Paying collections
Ever
Just don't admit to them you are who you are and they can't make you
Either way you didn't make the agreement with them but with the internet service
Collections agency buys your debt for about $20 then tries to make the difference

Stupidasole
Stupidasole

Literally the face of autism.

You're the reason people make credit cards out to be some scary monster. Literally when would you ever want to put 200k on a high APR credit card? House? Get a mortgage. Car? Get a vehicle loan. Unless you're trying to buy 200k of Bitcoin, there's no need for that kind of credit limit.

Boy_vs_Girl
Boy_vs_Girl

No one's borrowing anything if you pay off your card at the end of the month.

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