/biz/ - Business & Finance

ive never had a credit card, does that mean my score is zero or perfect?

>>12291486
If you don't have any money do you have zero or perfect money

reporting in

>>12291492
damn son, representing

good goy points

>>12291479
730
i dont even know what i want credit for but i like seeing the number increase

>>12291486
No credit history is about equal to a 550 score

>>12291479
Roughly the same here.
>>12291492
Never thought /biz/ had such good credit.

>>12291479
760

opened too many accounts at once really fucking my average account age :(

>>12291507
not all of us are larping brother

>>12291479
570. I fucked my shit up growing up and now its biting me in the ass. I only have one revolving credit account of $1k with 80% utilization lol. Need to fix credit asap :(

Using 19k limit on a 20k American Express lol

>>12291498
true and based, but if you're going to enslave yourself through debt at least pay less interest

>>12291532
yeesh 19k that is going to continuously rape your asshole until you pay it off. get that payed off now before the cancer spreads.

>>12291530
only one thing will help you. pay it down asap

>>12291550
I’m not worried about it. Got 3 BTC. Probably going to get my score over 700-720 soon. Charge cards don’t report as utilization so imma do balance transfers into citi cards 18-24 months 0 % apr. just split it among 2 cards or so.

Lost my job so yeah that’s been helping me out and paid my brothers college $2500 so yeah.
Jobless at the moment but going to be doing interviews soon. I’ll manage.

>Was 784
>Dropped to 757 after I paid off my car loan early and now have no debt

whoops, looks like I wasn't a good goy

>>12291590
>: 0

>>12291590
when did you realize you were a bad goy?

My credit score is like 100 lol. I have taken out several loans and maxed out credit cards, and just never made any payments. System is going to collapse, take advantage while you can lads

>>12291626
please be larping

>>12291588
>got 3 BTC
So like $2000?

>>12291641
wait til it moons !!!

>>12291641
Exactly, wait til it moons. Honestly don’t even plan on staying in the USA. Going to move to Spain most likely

I bought my car with a credit car and I thought I was being smart by accumulating cashback while still paying off the statement balance in full by the due date (which I did) but it dropped my credit score 30 points. Can’t they tell that I could have chosen to pay cash had I wanted or that I always pay off the balance in full every month no matter how large the purchase?

>>12291664
it's because you pushed your utilization rate up high which means how much you've borrowed vs how much they limit you

dropped after I got approved for a mortgage. didn't end up using it because houses are so god damn expensive on the west coast.

>>12291722
strong score and checked

>>12291626

a 100 fico score is impossible It starts at 300 and goes to 850

Eh this is a meme. You can do what I did and take out a self secured loan and pay off 93%, and auto pay over the term length the remaining 7%. It got me above a 760 in three years, while my wife has a car loan and student loans she never missed a payment but has 710ish credit score because her debt is so high

>>12291479
825 here lads. eat a dick.

>>12291796
how much do you as a family owe in debt?

>>12291800
no pic no proof, but your dubs will suffice.

>>12291807
About 100,000$ due to her loans for a masters. I have no debt and we don't have a mortgage yet.

>>12291818
is a pile of debt good in bed?

>>12291827
Yep. She was middle class with siblings and fell for the college meme. I don't blame her. My parents tried to push college too at my expense.

>>12291834
what kind of degree charges 1/10 a million dollars?

23 points away from big boys club

>>12291811
>>12291800

Apologies about the potato quality. App would not allow screen shot, and had to use my webcam on my phone--removed other information as well (for obvious reasons.)

My dubs were right. But since its late, figured /biz/ needs fap material.

>>12291864
*unzips*

>>12291863
Very Good

>>12291479
801. Pulled a full report because I’m a mortgage broker. Consumer credit report sites are a scam. Your score is never what they report some better some worse. Anything 740 or above is top. Literally doesn’t matter if 741 or 820 all same. If below 740 then kys deadbeat

>>12291903
>mortgage broker
>deadbeat

>>12291913
hahahahahaha

>>12291913
Kek. Getting paid hundreds of thousands of dollars per year for being a middle man really fucking sucks. Wish I wasn’t such a deadbeat so I could wagecuck hard enough to get a new kia

>>12291903
Has there ever been a time you had to pull a 2nd hard inquiry on someone, and then the 2nd time you pull the inquiry it drops their credit score and denies them a loan?

Im afraid thats whats going to happen to me. Ive tried to look for a house for a year, and with in that year they pulled TWICE. Im going to try again Sep 2019 as I am expecting a raise and the markets to stabalize. Will I have issues?

>>12291932
give it 5 years they'll be an app to replace you middlemen

>>12291947
literally don't buy a house. it's a terrible investment and shackles you in debt slavery

>>12291947
Depends on how soon they pull. They pull at least twice every time. They make sure things haven’t changed at funding and pull again. Credit bureaus know this so they don’t penalise if pulled within a relatively short timeline. Unless you default on debt in process you’ll be okay.

>>12291949
Probably. Good think I have 200k link to make sure i won’t care when that day comes.

>>12291947
>>12291932
also you're just feeding the families of literal middlemen

>>12291957
you dont understand...I need a fucking garage for my hobbies.

I had a house, and moved to another state at the peak of the market. Now im in an apartment with all my garage shit in storage. Shit is fucking killing me! Dont any of you guys have hobbies outside of biz and jacking off?

I like cars and DIY shit.

>>12291983
why not rent until you get over your phase?

It used to be over 800 for years until I got into crypto.

>>12291635
They’re just virtual good goy points

>>12291989
tough to find a place with a garage. The shit shack houses near the city puts me 40 minutes away from work, and most of the time, the landlords dont allow their garages to be used.

>>12291983
yeah I couldnt confine my 100lbs dog to a small apt. I'd rather be homeless

>>12292003
sure is comfy not having another mouth to feed

>>12291983
Don’t listen to >>12291982 he’s clearly a jealous retard. Houses can be the best investment of your life or the worst. You need to figure that out. If the market didn’t value what I can do I wouldn’t make a living. Go ahead call quicken and get raped on rate and fee or use a broker who gets wholesale pricing.

>>12291949
My Tesla’s broken. It’s okay though. I ordered a new Benz.

>>12292003
another reason why I want a house. My current apartment only allows a max of 50lbs and certain breeds +kike fees and other non-refundable deposits. Fuck that.

Every dick on 4chan is bigger than mine, now every credit score is higher than mine. Fuck this

ITT
>I'm a good little goy

>>12292009
financially unresponsible choice. go for the superior decision

>>12292034
in nature there are the superior and the inferior

>>12292038
Came to post this

>>12292038
>>12292145
see
>>12291541

>>12291864
How did you get above 800? How old are you?

>>12292273
good question. I was raised on a desert planet with two suns. I was visited by an old man who spoke softly saying I was needed in an adventure. Little did I know I would end up killing my own father who then gave me his credit score.

>>12291479
Are you telling me that mutts have good debt slave points and some of you are even proud of it?
Fucking golems.

>>12292296
weesh the power level on this one his high

These threads are so pathetic.

Imagine being proud of your debt slavery number.

>>12292322
>>12292296
check the file name

>>12291851
Most master programs will require 5-6 years. And average student debt with no assistance is 20k/year. Even more at a private school.

>>12292355
RIP and F

>>12291491
>not being in debt equals not having money
so this is the power of american education

Nice good goy points everyone! I mean good boy points! I mean credit score

>>12291818
>Spends 30 grand on a bachelor's degree
>Well what's 70 more grand?

Wow she's a keeper dude you found yourself a real big brained honey

>All these retards on the thread screeching about good goy points not realizing that playing by the system is the only way to be able to get a house or a car for cheap and you also essentially get free money utilizing rewards.

Just treat the card like a debit card and pay it off in full every month, is it really that fucking hard?

>>12293182
She makes more than I do. So it's not like I'm paying off her debt.

My FICO is 792. IDK why my credit scores are higher.

>>12291479
maxing my credit card to buy cryptos actually helped my rating.
oh i paid it back.

>>12293976

About 800

>>12291479
N-no tfw creditlet at 744

>>12293878

822 here. AMA

>>12292296
oy vey cool it with all the anti ((((white)))) memes we are of the chosen people in this 4channel board we are all gonna make it.

No seriously cool it I dont want to have to say that word.

I've got like 750 but I've moved abroad. Should I just take out huge loans and never pay them back? I'll be in a country that doesn't extradite to the US.

>was 795
>pay for rent with my credit card once or twice
>pay it off a couple days later after getting paycheck
>drops to 760

>>12292009
0 is the dream

>>12291530

Pull your report and dispute every negative mark on there. It can’t hurt you. Then open some new revolving accounts without using them to raise your debt to credit ratio. Within a few months it will go up.

>>12291626

No need to hope for collapse. Just move to another country and have a clean slate.

>>12291658
what do you even plan on doing in spain?

as far as i have seen there is no big industry besides tourism

>>12291479
Your goyim score
Your slave rank

>all these sub 800 babies

lol all you creditlets probably have less than 30k credit card limits too huh.

>tfw only 20

>>12294846
k gramps. We'll let you have your 5 minutes of glory since you're bout to pass soon anyways.

>>12294846

That's what business credit is for anon

>>12292009
You live in Southern California, don't you

>>12292273
36.

Paid off student loans, paid off $25k truck, bought a house and lived in it for 2 years, then sold.

Never carried interest on credit cards; had these since 2003-- only two of them. Took out small personal loan to purchase motorcycle-- ONLY because I needed the cash upfront, and paid it all off on pay day.

Paying loans off early hurt me in the beginning. I think what helped me a lot was paying off the car, student loans, and selling the house after 2 years.

UK system is different I think?

aww yis

A-am I a big boy now?