/biz/ - Business & Finance

once you hit above 750 the score doesn't matter any more, you qualify for everything

>>12655251
So everyone... I don't ever remember my score being under 750. I thought it starts at like 720 or something.

outta my way, peasants

>>12655229
>2 years
That score means nothing OP, the most important thing is how many lines of credit you have (seems like very little) and your credit age (it's still a toddler).

>Credit age: 1y 11mo

OH NONONONO

HAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAHHAHAHAHAHAHAHAHAHHAHAH

NOT GOING TO MAKE IT

I had my buddy with a high score add me as an authorized user to his credit Card as I had non existent credit (540) with zero history at 33years old. Will this bump up my score or am I wasting my time?

>>12655544
it will. your pal is taking a huge risk by adding you, he's either really dumb or a really good friend

>>12655229
yeah, dont take out a loan, dont buy a car, dont buy a house for atleast 3 years and if you get a credit card never, ever, spend more than 20% of the full credit allowed.

you can actually spend as much as you want, and spending to the limit is a good way to prompt the bank to increase your limit without you asking. just make sure to pay it off in full 3-5 days before actual payment due date. they only look at your utilization at one moment in time (close to payment due date) so that's when you want to keep your utilization below 20

>>12655554
Yea I lent him 2k when he was fucked so he couldn't say no\ but I mean we agreed id only use it to buy gas and groceries, its a 5k limit so he said using 30% will build the credit. If he's a day or two late paying it off due to pure laziness will that shoot my score down though? I have no idea how to credit.

You can literally get anything you want if your credit is in the 600's. If you're in the 500s, then yeah, you're fucked, but you can still get cars, mortages, etc. in the 600's.

>>12655666
lol I had a 700+ credit score once.
I used it to max out all my credit lines to buy BTC in 2013-2014. If I paid off that debt now at current BTC prices, I would only lose 0.17% of my BTC.

But that's 0.17% too much. I'd literally rather my credit score go to fucking zero than ever give those kike faggots their money back.

>>12655602
your missed payments will affect his score. his missed payments will not affect your score.

>>12655738
No you didnt.

>>12655738
BASED AND REDPILLED