Credit Scores

Harmless_Venom
Harmless_Venom

How about we take a break from crypto shilling with a good old fashioned credit karma thread.

Post em

lostmypassword
lostmypassword

Both 761 transunion and Equifax
Credit history only 1 yr
fellen good

Methshot
Methshot

nigga I ain't got no credit

LuckyDusty
LuckyDusty

Ok I guess.

BunnyJinx
BunnyJinx

almost the same here. started credit about a year ago and up to 751 on both.

Spazyfool
Spazyfool

Lmoa

Stark_Naked
Stark_Naked

taking a loan
you need a credit score to take a loan
you need to take a loan so you can pay the banks even more money

this i never understood why people do this

Lunatick
Lunatick

Both at 749.
Opened a credit card 2 years ago. I think my credit score was high 600's with no history.

Lord_Tryzalot
Lord_Tryzalot

Last time I checked mine was like January but it was sort of bad because I have some student loans and I didn't have a credit card until this year.
Is it worth checking again or will it most likely be the same?

Dreamworx
Dreamworx

How does one increase their credit score?

Currently trying to improve mine, its pretty shitty right now. I'm in the process of paying back some old credit cards. What else can I do?

girlDog
girlDog

Keep utilization under 15%, pay down debts, never miss payments, try to pay more than the minimum, wait

Playboyize
Playboyize

I'm 22 bretty good I'd say famlam

VisualMaster
VisualMaster

Lack of years is bad no matter your score.

New_Cliche
New_Cliche

Cause I need a place to live without torching what little $$ I have on rent and like most, I don't have $250k sitting around to buy a house, cash.

w8t4u
w8t4u

Dunno why I dropped 5 points recently.

Inmate
Inmate

Duh, but bettet to have it be 761 with one year than 500 with no history

Emberburn
Emberburn

Yo what the actual fuck? What did i do?

GoogleCat
GoogleCat

how big of an impact does credit utilization have on your score?

Cause if its big, I have a bit of a dilemma regarding that.

Stark_Naked
Stark_Naked

go to make an account
could not verify your information

Welp, guess I know what I'm doing tomorrow.

Lord_Tryzalot
Lord_Tryzalot

Pretty huge, beyond missed payments and delinquencies/derogs its going to affect you the most.

Evil_kitten
Evil_kitten

I don't know, what did you do?

farquit
farquit

Relatively high impact although not as impactful as unpaid debts and missed payments

Methnerd
Methnerd

Aw man.

I think one of my parents opened up two credit cards in my name. One is 50% utilization, the other is 65% but they've made on time payments. Am I fucked?

Emberburn
Emberburn

I wish it would be more specific

SniperGod
SniperGod

How about we take a break from crypto shilling

Are you aware what board you are on?

WebTool
WebTool

Its easy to beat the Jews at their own game (credit).

I am some 18k in debt on credit cards and 17k on a personal loan.

Yet I still manage a decent score thanks to some 225k worth of aval credit.

Utilization is key! I have 0% transfer fee BT offers all the time. Personal loan companies practically beg to have my debt.

Never missed a payment and hardly pay any interest on any of this.

The debt is from bad decisions and such when I was much younger but its slowly getting paid off.

The key is to juggle the debt properly such that the jews dont suspect anything.

Dreamworx
Dreamworx

Those aren't horrible util numbers but yeah its hurting you.

You need to talk to your parents of course. But be thankful they are not maxed.

I mean, you could do something about it but it would likely end with your parents going to jail for financial fraud and identity theft.

Techpill
Techpill

Could be worse but watch out because your parents don't love you

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