/biz/ - Business & Finance

if you qualify for any unsecured credit cards, apply for them and keep your credit usage to under 30% (having less than 5 "open accounts" makes you look risky to lenders)

late payments? simply call the institution you owe money to and plead your case. politely ask them to remove it off your credit report. tell them youre trying to buy a home.

and lastly, DISPUTE EVERYTHING ON YOUR REPORT. youll need to create an account with a credit agency to do this. use google to do your research. when you dispute a negative item on your report, all you are doing is inquiring about exactly what you owe. if you have something in collections that is very old but still on your report there is a good chance they will not even respond to your credit agencie's inquiry and if after 30 days the agency doesn't hear back from them, the collection is wiped off your credit report.

this advice is exactly what youre going to hear when you hire a credit repair lawyer. they do everything I have just told you but charge you at minimum $800.

if you have bad credit and take this advice, you can improve your FICO score 100 points in 2 weeks. just think, in 2 weeks you could be eligible for a home or business loan and take actual steps towards acquiring wealth

godspeed anons

>>13074137
>go in debt to get a good score so you can go in more debt.
kek.

>>13074379
>open a 0 fee Amex and pay off every month
>better loans if I ever need it

Credit cards are profitable and most abused for rewards by richer individuals. If you can't control yourself, they'll fuck you - but it's lost value not to use them.

>>13074137

Gee I wonder who is behind this post

or just pay for everything in cash

>>13074137
based non crypto poster. Zoomers will learn soon enough

American system is so fucked up...

>>13074137
thanks for this anon

>>13074397
yup.

you're literally getting goods and services for 3% off just for using your card

>>13074413

>>13074137
>you get one FREE credit report a year. make sure you elect to get one from all 3 bureaus (Equifax, Trans Union, Experian).
Very badly worded. You're supposed to stagger them--one every four months from each agency.

>>13074575
try this: consume less

>>13074706
what does that have to do with getting a discount, brainlet?

>>13074605
wrong, different companies report to different credit bureaus, everytime you look at your report its going to be all over the place

nice try though

I have 1 credit card with a 3k limit, put everything on it and pay it off right away, never had any other debt in my life, my credit score is 825

>get a credit card with no annual fee
>never use more than 10% of your available credit
>pay off the balance in full every month
>request credit limit increases occasionally
>get one or two more cards w/no annual fees to increase your total available credit

after a few years, you will have a credit score high enough to qualify you for the best interest rates. it is completely free and easy to get a high credit score.

>>13074137
It's only important in the land of the free. No one gives a shit about credit scores in Europe, maybe if you wanna buy a house but they care more about your income in that scenario.

>>13075124
>if you want to buy a house
try: if you want to be loaned a large sum of money. which is exactly how it is here. youre not special, sorry

>>13075061
Which ones do no fees? My BOA used to not have it but now they do. Discover? Will my credit go down if I close my BOA accounts.

>>13076347
if it's your only account and your credit history is with that account, you're shit out of luck and should pay it to keep the history. ask boa if they can do a product change to a no-fee account. if the fee is not something you can afford to keep your history, open cards first then close it, but your score will take a hit. plenty of no fee cards, recommend the following:
open chase freedom unlimited, chase freedom, citi double, uber visa

If credit cards are a jew scam it's not their best, i've made 1k off welcome bonuses, haven't paid a cent of interest/fees. Oh and 2% off life is cool, more sheckles in my pocket.

>>13074575
Except all the studies show you spend 15% more using credit than cash or debit, but enjoy your 3%

Oh we’re boomerposting unironically now?

>>13077313
that's obviously the average of all credit card users
this is /biz/, gay retard. Lick my sweaty balls so I can save 3 cents on a baby wipe

How am I doing?

>>13077376
Mined

What if I have enough money saved to buy a car and house in full? Checkmate OP.

>>13076416
Why do so many people think they are beating the system because they get back a few hundred bucks from rewards points after spending thousands more than they would have compared with cash? You really think you are outsmarting the banking system?

Just take (((credit))) and pay (((interest))) Thats what you dont learn in school

>>13074441
this, pay cash for well kept used cars, and broker private agreements with homeowners in the market

credit is only needed when opening a brokerage account (a real one)

>>13077371
So the board obsessed with get rich quick crypto schemes and margin trading is conservative with spending now? How bout you suck my balls instead

>>13077384
You are marginally beating the system if you pay no interest on your credit card usage

The banks are making their money on the poors that just pay the minimum every month. And the service fees from vendors you’re buying from

>>13077384
i got 500 dollars back after spending 4000 within 3 months, 2000 of which i would use regularly regardless of having the card or not, 2000 of which was used to open a bank account with a 200 dollar bonus after 6 months that i will close once i've received the bonus. how many more thousands have i spent?

>>13077393
They are also making it off you too even if you carry a zero balance because you spend more using a credit card than cash by an average of 15%. Rewards points are literally designed to tempt supposedly smart people to beat the system because its all upside for them whether you pay it off or not

itt credit fags trying to convince me i should use highly incentivized debt to purchase things that are beyond what i can afford in cash. because why again? is this poorfag cope so they can drive around cars they cant pay for without leasing? hehe at least your interest rate is 2%... what an epic deal

>>13077405
No one cares

>>13077420
i don't even know what interest rates are on my cards and i never pay attention to what they are. interest rate could be 200% and i wouldn't give a fuck because i've never paid a cent in interest and never will.

>>13077405
Dude, you are missing the point. Do you swipe your credit card at the grocery store or when you go out for fun? You are extremely likely to spend more than if you just spent cash, even if you pay your balance in full

>>13077431
You are very autistic about the spending more money part

If you use your CC as you would your Debit card, you’re winning. Also you win significantly if your job includes traveling and you get reimbursed for all the expenses you put on your personal card

>>13077431
i could show you 2 years of expenses pre and post credit cards that show no increase in spending month to month but i'm not here to convince paranoid boomers. you do you while i make money off of people who can't use credit cards.

>open wallet
>16 different credit cards fly out
>i get on my hands and knees and look for my platinum express
>wave it at the waitress and yell "IM READY!!!!"
>she starts rushing over to my table and spills a tables drinks
>i tell her i only have to pay .9% interest on my brand new $33,000 ford truck
>pay for dinner (comped by bank of america) and give her a 1% tip on the card (so i make sure its taxed)
>go outside and back truck up to the front door using advanced autopilot reverse camera tech, blocking it
>i call my broker (albert goldstein)
>tell him i want to short brinker international
>i proceed to rev the engine, filling the chili's with toxic fumes
>the company files for bankruptcy]
>i broker a deal with union of local chili's property owners to buy the land for pennies on the dollar using my gold amex wire funds feature (5% fee)
>convert them all into ford truck built ford tough dealerships paid for exclusively by rewards points
>get on a comped flight to china to meet with billionaire angel investors who check my credit and give me a $65m loan with 3.5% interest (amazing)
>retire
>post on basket weaving forum about how awesome mylife is

>>13077384
My favorite scam is the airline miles crap. Spend lots of money to accumulate free miles so you can go on a vacation and put more money on the card.

Lol, I knew credit was important back when I was 20.

>>13077454
Ok post your proof then hurr durr. The only thing you should ever use a credit card for is auto pay of bills, you should never use it for daily shopping and entertainment because over time you will spend more on those items with credit, period. My auto pay of bills on my credit card nets me like 150 bucks a year which is whatever, its 100% about the convenience of not needing to set up an auto draft from debit and linking actual bank accounts online. Cash is king for non bill purchases

>>13077523
yikes, you got me. i'm actually in so much debt right now i have to declare bankruptcy tomorrow.

>>13077313
look dude, if you lack the self-control to avoid frivolous spending thats on you. but the ARE people out there who know how to budget

>>13074137
I have no credit score at all, yet I own a house and a car and have 200k in the bank. I made all my money trading crypto from early 2016 until now. My point is that when you have cash most people can be persuaded one way or another. Credit might be cheaper in some cases, but for the most part cash is king. Nobody cares when I tell them I have never ever had a credit card or a loan. I've honestly never had any need to keep track of one.

>>13077545
Paying with a set and budgeted amount of physical cash every month is the only way to keep a family's finances in order. Would you honestly let your wife swipe that stupid card every time she buys groceries? You need to feel the pain of handing over those dollars and not getting them back until the budget resets next month.

I unironically have 1 credit card and I spend like $0.10 on it as a joke every 6 months, so they never fucking shut it down but I never use it either and I've been doing this for a good 6 years now. It started as a secured card but has been unsecured for like 5.5 years. Signing up for more credit cards just sounds like more of a hassle to fucking deal with.

My credit score is 751. Should I actually sign up for more or nah?

>>13074137

Here’s the red pill:

Oldfags that already own a home and have 10+ credit cards to churn for intro bonuses don’t give a fuck about credit score. Buy bitcoin.

>>13077520
>Never cared about credit
>Often paid bills late
>Have outstanding tickets, fines, debts, student loans, and cc debt
>Still have better credit than this fag

>>13077565
>all my money
>200k
>bought a house
>bought a car
yikes. welp good luck!

>>13077602
I'm 22. I felt that a house would be good for my wife and kid (he's due this July) and a car would be worth it for my family. Besides marriage, the wife and kid, what are you suggesting I did wrong?

>>13077616
you made all your money by quite literally luck. you spent a third, possibly half of it on a car and house. i figured you were young and seeing as you said you made all your money spending crypto I can deduce you don't have a job that brings in alot of income. just yikes is all. good luck. id put 100k of that in mutual fund asap if i were you

>>13077384
>You really think you are outsmarting the banking system?
Yes. I have 3 credit cards optimized for max discounts in different spending categories, and I use it like a debit card. I have never paid a cent of interest in my life. It's literally free money, better protection if I'm a victim of fraud (never happened, but try getting your money back if your debit it stolen) and I have great credit.

The only people who don't use credit cards are brainlets or paranoid.

>>13077659
I spent hundreds, possibly thousands, of hours researching and learning how to trade, using bots, arbitrage, etc. It wasn't luck.
Also I make about 75k salary now but that's besides the point. And I'm looking into more secure investments thanks.

>>13077666
I value my time and don't want to deal with juggling anything like that. I want to buy something I hand someone a card. I run out of money no more buying things. I'm >>13077579
and still waiting for an answer of whether to get more.

>>13077684
>I value my time
if it takes you more than a fraction of a second to figure out whether what you're paying for is dining, grocery, travel, etc. you've got bigger problems to worry about regarding your cognitive health than getting or using credit cards. that is to say, yes, if you're not retarded. get more cards.

>>13077708
I mean it's more like I have to manage these cards. Like I have to carry around 3 cards, have to make sure they're all paid online with no problems, have to sign up for them all, have to be responsible at least a little for not losing them. I get what you're saying I just don't know if it's worth it. I just can' imagine a situation where I would ever need more than one credit card and money and saving an extra 4% or whatever the change is per month is pretty useless.

>>13077659
STFU jealous retard, this guy secured a non-deprecating asset and a car at 22 with a kid on the way. as far as im concerned he can start wage cucking it and still be better off than 99% of everyone else in his age / income bracket

>>13077708
>get more cards.
just shut the fuck up already kike, not joking

>>13078071
>22
>Car from own money
Good
>Kid on the way
Stupid cuck

>>13077575
You're an autist with no practical experience who relates to the outsode world through theory alone. Get a hold of yourself.

>>13074137
>No house
Housing is cheap in the south, you just have to look hard
>Car loans
I own my car
>Business loans
No thanks

>>13074137
in shitburgerland maybe

>>13074137
>credit is ESSENTIAL to thrive in life
lol no
also renting can be much cheaper and low risk it depends on rent/price ratio entirely
car loans suck ass anyways
you get business loan on your income

>>13074137
Are there really retards worrying about some jew number that accumulates through needless spending or just gives you a couple cents back after a lot of time. Kys

>>13074137
>high interest on car loans
why would you take out a loan to get a car

>>13074137
>tfw no credit

>>13077415
Again
>I have zero self control over spending
That's your own problem

>>13078365
>rentcuck
hahahaha you voluntarily throw away tens of thousands of dollars, what a joke

>eurofags posting in an obviously American thread
they are so desperate for our attention that they'll post worthless garbage ITT just in hopes an American replies lmao

Doesn’t everyone here have 700+? Thought that was a given

>>13076195
When I said buying a house, I meant getting a mortgage loan for a house. You are technically buying a house. That's the only scenario when credit scores matter but they are less important than age and income

>>13080044
I like to come to American threads to make myself feel better for living in Europe instead of that retarded country full of debt slaves lmao. Credit scores in the USA is some dystopia bullshit on the same level as social scores in China. Europe truly is the better place on earth despite its flaws like sandniggers and some cuck politicians but you guys have the fair share of shitskins and cucks as well.

>>13074949
aint this not enough history and shit?

>>13080556

Euro living in the USA here. It's not dystopian at all, Americans are just retards that live beyond their means and choose to be debt slaves. Blows my mind lmao. Imagine 'owning' two cars and a house but having a net worth of -400k, its just...just...

It has nothing to do with the system and everything with their dumb ass mentalities.

>>13080633
cars aside, what is your alternative to American's living arrangements

what do you suppose they do instead of having a mortgage

>>13074137
So lets say i got a shit credit score. (Below 500)
If i were to dispute all of the bad loans
And pushed up my credit score to 600-700
Get a fuckload of credit cards
Get a fuckload of business loans (All in same day)
Take Cash out for the loans
Pay back the interest rate or minimum rate for each loan (Or more if i have extra cash)
Once paid back , I can do it again right?

>>13079675
rent/price ratio this is not a philosophical debate you nigger, whichever is worth it more also weighing in risks and convenience. cost of ownership is a very real thing aside from mortgage.

>>13074137
get a load of this goy

>>13080817
sober up and then try typing that out again

>>13074137
lmao do you really believe this shit
credit score is only important for renting and making debts

instead you can just live with your parents until you can afford a house and then buy it

>>13074137
Decontaminate yourself from believing you need banks to thrive.

Literally impossible for you to make it in life with this mentality, OP.

>>13074137
On the other side if you are already wealthy and won't need a loan in the future credit is useless. And if you want to tell me that if the economy crashes my wealth may be worthless and I may need good credit for a loan in a recession, i'll just tell you that no one gives loans in a recession/depression even those with good credit don't get loans anyway.

>>13080633
Credit scores is almost obligatory to be relevant in the USA though. If you don't have any credit score, you are seen just as bad as someone with bad credit score. You won't be able to pay bills, rent or even get certain jobs just because no one trusts you with non-existent credit score. It's like your only worth is based on a bunch of numbers.

>>13081069
whether or not you pass public school or college or get a job is based on some numbers. loans are based on numbers. the stock market is based on numbers. Everything that matters is based on numbers.

>>13077466
Great post friend

>>13080986
who protects your money if banks don't exist and everyone has guns. Nobody except you. If people think you are not poor which they will judge based on the gadgets your home/car/person has they will make assumptions about your wealth and attack when you least expect to take it from you. thanks to banks existing robberies no longer take place and people won't get attacked if they are perceived to be rich and your money is safe.

Lmao this is a fucking burger thing. In my european shithole country Finland we are assessed by the money you OWN and how fast you can pay your debts. If you have always had money or paid your debts very quickly and had to take next to no debt the banks will evaluate you as a very good customer and give better mortgage rates for you.

>>13078160
>You just have to look hard
This isn’t 1970, boomer. There is something called Zillow. You either pay up for a nice neighborhood, spend your free time commuting, or live in a bad neighborhood.

>>13081130
You are not as limited if you don't have a college degree as not having a credit score. In fact, experience ends up being more important than degrees but there seems to be nothing more important than credit scores in the USA. OP already stated that you are screwed without a good credit score and this is something I researched myself. It's like Americans are so bad with money that they need to have a trust system to lend money.

>americredits

>>13081216
Jobs have a degree as a requirement. No degree? Their machine will throw out your resume before you even attend an interview.

>>13076416
They get 50 cents every transaction with your card

>>13077592
You get bonus points for holding israeli citizenship i hear

>>13081291
Blue collar jobs don't require degrees at all and while yes, you have to waste 4 years in college to have white collar jobs, what matters in the end is experience and contacts. Going to college is more important to network rather than to get that piece of paper because employers know that deep down, what you learn in college is not enough for the real world.

>>13081375
well you need 13 years for a blue collar job and 4-8 more years for a whitecollar job depending on the job.

>>13080983
>living with your parents until youre 30 just so you can buy a house

lmao ok nerd

>>13080669

What does one do when one wants to buy something they can't afford, hmmm what a conundrum you really got me there.

You SAVE you dumb motherfucker!

>>13081487
aka you live with mommy and daddy hahaha holy fuck what a LOSER

>>13074137
i dont have a credit card, the jews can screw themselves

>>13077523
>because over time you will spend more on those items with credit, period.
Not period, you are fixated on the single metric that people with credit cards spend more than people who don't (what a shocker, people with money want to buy pricier items with their card so the don't have to carry a fat wad of cash and those who can't afford it don't). If you're going to bleat on and on about your most high holy study then you could at least provide it to back up your brainletism and, in all likelihood, low-credit sour grapes.

>virgin with 10+ credit cards
>spilling spaghetti while mumbling he can save 3% on the 60 dollar purchase
>e-e-erm o-one second t-this is the wrong card

>chad debit card
>"heres my card"
>gets over with purchase within seconds

>>13081610

I live in an apartment because I'm not delusional and act as though am I millionaire when I'm not. I said Euro living in the USA remember how the fck can I live with my parents you dumb pos? Not only do I not live with my parents I don't even live in the area/culture I grew up in. I'm a big boy, now enjoy paying debts to mr. Shekelstein for the rest of your life, Travis.

>>13081772
>a literal rentcuck
just as i suspected

i have a $7,000 debt from an apartment i supposedly electronically signed a lease (actually, they told me to put the wrong date so i could get 'background approved' for a sublease) and then charged me all 12 months despite the fact that i never moved in

i am a NEET. how fucked am i?

it's fucking my credit score.

a-a-at lease they can't garnish my [non-existent] wages, r-r-right guys?

>>13082396

what do you mean supposedly?


call them, record it, ask them to send you proof of everything involved and all documents. If they refuse, send a certified letter requesting the information (make copies of everything).

Wait for them to send it and review it, see if it would hold up or has any holes, any little thing, or any clause somewhere that you can use as an excuse for not moving in. If there was a required deposit and you never paid it (and thus they sent you a receipt of this), that's enough proof you never moved in. Think like a lawyer. "How could I have moved in if I never paid a deposit, they have no receipt of a deposit, and it states in the lease that a deposit is mandatory for move in, therefore it is impossible that I would have activated this agreement without payment". Stuff like that.


If you can't find anything after they send the documents, or they refuse, keep your phone recording and copies. They will turn it over to a collection agency. When they contact you, do the same thing requesting the documents, and notify them that you already requested this information and that it is a fraudulent claim. They are required to send you the documents if you formally request it. If they do not, they can't file suit against you and it would be thrown out of court. Get your free credit report and under the charge notated there, dispute the charge and simply put "this isn't my debt" as the reason requesting proof. If the agency fails to provide bare minimum proof it will be removed from your credit report (but may come back later if they provide proof/file court).

Do not pay them a dime. But, if you recieve the documents and realize it is impossible to fight, wait a few months and tell the collection agency you are "judgement proof". This means your income is low enough that they can not freeze your bank account to garnish wages, and you have no property to take. After they are convinced you are judgement proof...

>>13082498

offer them pennies on the dollar to settle the debt, offer them 400$. Let them keep calling for months and maybe next time offer 405$. They aren't going to spend 3-4k$ chasing after a guy that is judgement proof for a 7k debt. Especially if you are in a state with good debt laws like texas. In texas its only like 4 years they can chase you for the debt before it becomes invalid (if you never made a payment), other places its much longer.


If you go through all this and still can't get it off your report, might as well max everything out and leverage yourself as much as you can while you wait out and/or file for bankruptcy

>>13074137
a good credit score only mean your a good debt slave

>>13075061
The way credit agencies interpret your credit limit has changed recently. Having a higher credit limit on your card above a certain amount now lowers your credit score.

>>13082498
>>13082544
thanks for the advice

here's what happened (yes i know i'm retarded)

>be in shitty college town, apartment lease running out
>find guy on craigslist for sublease, text him, he says i can get it
>go in and talk to the people at the front desk, they tell me to fill out online application to get background checked
>fill it out, it won't let me put the right date
>walk in. some dude tells me to just put the wrong date so it can go through
>do this
>many months later, they say i was supposed to move in
>tell them what happened, they don't care, because it's not even the same company (they sold the apartment complex to a different company)

they have already sold the debt to a debt collector. 12 month debt and i never lived there for 1 minute of that lease

>wait a few months and tell the collection agency you are "judgement proof". This means your income is low enough that they can not freeze your bank account to garnish wages, and you have no property to take. After they are convinced you are judgement proof...
OK, i will tell them that

>offer them pennies on the dollar to settle the debt, offer them 400$. Let them keep calling for months and maybe next time offer 405$. They aren't going to spend 3-4k$ chasing after a guy that is judgement proof for a 7k debt. Especially if you are in a state with good debt laws like texas. In texas its only like 4 years they can chase you for the debt before it becomes invalid (if you never made a payment), other places its much longer.
i am in florida, so i don't know. i thoguht debt was for 7 years?

>>13074137
Nigga just sign up with credit karma

>>13082592

I don't fully understand this situation of putting the wrong date or whatever. But if there are no receipts for deposits/first month rent I would tell them to go fuck themselves.

Secondly, I would bluff and say I have proof that there was another resident living in the supposed apartment for those dates. Tell them after you signed the lease they said it was unavailable and you never heard back, and that I saw someone else living there. Actually, they were a friend of my friend. (still bluffing) I called the energy company and they said the utilities were connected under someone elses name for those dates. Blah blah blah.

btw, subleasing? Subleasing would normally imply the burden falls on the original leaser. If there was no eviction notice after not paying for several months, and thus some kind of record in police records of you being served (I mean you lived there right?) - again - I would tell them to go fuck themselves.


Most states its 7 yes. Texas is based.

>>13081702
The fact that you are worried about making big purchases all the time and having to carry cash for that pretty much improves my point. You buying a new fucking TV and computer every week or something? Anyway the point about overspending has a lot to do with the fact that instead of spending 8 bucks on lunch with cash, you are more likely to spend 11 and get the chips and drink with credit. I'm not saying you aren't able to pay your bills idiot or that you spend an extra 3 bucks every time, I'm saying all the research shows a 15% increase in spending when you use credit vs cash. You don't even realize you are doing it because it is averaged out over time so a lot of time it's imperceptible unless you are paying very close attention, and you have blinded yourself thinking you are winning because you get 3% back. The banks already figured out human psychology with money that's why the push digital money so hard. It sucks to hand over physical cash for a purchase and people are naturally stingy with it which is why they want to phase it out completely

>>13082647


btw - if they call again. with the information I know about your situation, tell them that you will not pay and that you will see them in court. They are not legally allowed (record everything) to say they will sue you, without intent to actually do it. Every time they call, encourage them to sue you or stop calling. Request by certified mail the documents. Put a dispute on your credit report now, and if it doesn't get taken off - wait for the documents and file proof. If they don't respond to the certified mail request for the proof of this debt, then forward the documents of non-response about the debt in a new dispute on your credit report.

Don't let them win. Fuck them. I've gone through much more trouble over a invalid 90$ electric bill, just because I was so enraged that when I call and wait on hold for an hour, they basically tell me "we don't have to show proof of anything, you owe us money" and hang up on me. They tried to charge me a bill for a building that was burned down and claimed they connected a meter to it for 8 months, when I didn't even live in the country during that time. Fuck em

Lol, I earn enough money to not need loans. Check mate wagie

>>13080967
i don't get it what can't you understand about rent/price ratio? under 0.5% you fucking rent no question. above 1% you fucking buy no question. in between it's highly preferential and can depend on the type and location of the home.

>>13082638
yeah the last time I advised to use a certain company the cuck nigger downy jannies gave me a week ban for "advertising"

Nigger

>>13082728
The jannies on biz are pants on head retarded and ban people for any little thing

>>13074137
>being american
>living in america

>>13082647
>But if there are no receipts for deposits/first month rent I would tell them to go fuck themselves.
i never moved in to the apartment

>I don't fully understand this situation of putting the wrong date or whatever.
it was a fucking trick

basically they are saying
>you said you would move in at this date, but you didn't ever move in, so you owe us all 12 months!

i would be living there now

and yes, i only signed the "wrong date" because they told me i needed to put the wrong date to get approved

>btw, subleasing? Subleasing would normally imply the burden falls on the original leaser.
it's irrelevant. i did the sublease. the "lease" they told me to sign, and put the wrong date, is totally separate. they tricked me into signing it, because i was desperate to find a place (and not be homeless) i believed them

they told me to fill out a lease online with the wrong date, so i could go through the system to be approved for that sublease. i moved in, moved out in a few months, and then, months later, they said "wait, you are supposed to move in now!!!"

it was totally fucked. apartment complexes are the scum of the earth

>>13077726
You can set up automatic payments. If you lost a card, you can call them 24/7 and they'll send you a new one.

>>13074938
the card fee is greater than those 3% if you consume very little

Hahah fucking cucks. Credit score is a system to keep you in (((their))) reals. In Australia I have never needed a personal loan or credit card and literally got approved for a home loan first attempt with a credit union.
Trying to 'fix' your credit score is just a hallway pass for dumb people to get the go ahead and spend the money they don't have on stupid shit like a kid in a candy store just to appease a magic score determined by the credit gods.

>>13082830
This. I don't even have a credit score. I barely spend on anything and I live in a trailer in the woods. Why do I need credit when I have gold and silver bullion?

I no longer believe in the jewish credit system and I never did the first place.
If you use credit cards you're a cuck.

>>13074137
Here's an idea Mr. Shekelberg, how about I stay out of debt entirely and shove you in this oven instead?

>>13074137
>bad credit?
>-no house (pay rent for the rest of your life, like a dumbass)
martin shkreli already showed that buying a house is retarded.
>-high interest on car loans (you will literally pay 3 times the price of your car over a 60 month loan with bad credit)
who the fuck gets a car loan? Buy a good used japanese car for 5k and have it last you 20 years.
>-no business loans
I think banks would care more about your business plan and profit records than a fucking stupid credit score

>>13077520
>VantageScore(tm)
This meme score is used by no one, your FICO score is 50-100 points lower than this. That goes for all of you CreditKarma fags posting in here.

t. ex banker loan committee scumbag

>>13083020
>i no longer
>i never did
everyone ITT who is upset at the thought of good credit is legitimately retarded
>>13083137
>buying a house is retarded
>paying rent isnt
>building equity is retarded
>pissing away money isnt
oh ok thank you based teenager

>>13077431
> Statiatically speaking people are retards who can't handle having a credit card, and not buying shit they don't need
> Therefore it's impossible to do so

>>13074137
>bad credit?
>-no house (pay rent for the rest of your life, like a dumbass)
>-high interest on car loans (you will literally pay 3 times the price of your car over a 60 month loan with bad credit)
>-no business loans
>credit is ESSENTIAL to thrive in life and accumulate wealth. if you have shitty credit (under 600) you will NEVER be wealthy.

Another thing you didn't mention is that bad credit will limit the kind of jobs you can get, I work in the financial industry and a credit check is standard for all job applicants, we don't want to risk someone who's in a poor financial situation with access to other people's money.

>>13074137

Credit score is a meme for control.

>>13074137
Damn, mutts are cucked as fuck.

>>13077509
I'm going on vacation anyway, you mean it's better to pay for the air tickets instead of exchanging them for points won from expenses that I have no matter what?

>>13074137
>car loans
what the fuck? you either buy a car with money you have, or the wagie teet proviedes one for you.

>LOAN
>FOR A CAR

>>13081216
Nah Jews just wanted an additional level of control over you.

>>13074137
credit is useless unless you're a wageslave.

>>13083945
fucking LMAO @ you
this is what I drove @ 19
you don't have a clue how much puss it got me, every girl thought i was rich
https://i.imgur.com/nYZzR2b.jpg

>>13074137
This guy actually just said to use fucking Equifax when they leaked like 20 million Americans Social Security numbers. Every time you get a credit check it goes DOWN. This is some commercial advertising shill, we had a button to report that before the kikes took it from us.

>>13084610
>imgur
Shill thread.

>>13084621
>>13084613
>Every time you get a credit check it goes DOWN
WRONG
take your meds

>>13074605
>>13074137
>>13074150
>he doesn’t know about credit karma
Holy fuck you’re either 75 or 10.

>>13084639
That is literally right. When you check your credit it goes down. Especially if many people are checking it all the time.

>>13084700
"As far as your FICO® score is concerned, credit inquiries are classified as either "hard inquiries" or "soft inquiries" - only hard inquiries have an affect on your FICO score.

Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender. These include inquiries where you're checking your own credit (such as checking your score in myFICO), credit checks made by businesses to offer you goods or services (such as promotional offers by credit card companies), or inquiries made by businesses with whom you already have a credit account.

Hard inquiries are credit inquiries where a potential lender is reviewing your credit because you've applied for credit with them"

https://www.myfico.com/credit-education/faq/credit/how-do-inquiries-impact-credit-scores

KILL YOURSELF YOU FUCKING RETARD

FIRE UP THE OVEN

>>13081316
Lel I'm from German stock

Lots of retards here.

For me it's getting 2-7% off whereever I shop. I only buy the essentials.

$300-600/yr+ for signing up for new credit cards (no annual fee)

Absolute lowest rates for home loans which I have used to obtain rental properties.

Very low rates of car loans through the bank, if I ever need one.

Account minimums are waived for my bank accounts in some cases.

A landlord would jizz if he saw me apply as a tenant, although I live with my parents.

Life is good. Tenants are paying off a 3 bedroom downtown apartment for me, that I got financed at ~3.24%, and I'll be buying another one soon.

If you're not using a credit card on every purchase to max your reward points you're a retard.

is a personal loan good for your long term credit? Does it show up at all? I took out a 5 figure personal loan for crypto (and obviously got REKT to oblivion) but I have a dope job so I'll have it paid off within 15 months (maturity is at 36). Is this good? In the future if i want to buy a house will they be able to say "oh hey this guy had a personal loan once" ?

>>13079675
Actually you do because when a renter's utilities break the landlord is liable to repair them. If you're a homeowner everything in your house is your financial responsibility.

>>13081291
> He actually believes this
Hang on let me laugh at you
> AHAHAHAHAHAHHA
t. Finishing my associates degree in my fifth year of a job that 'requires' a BA.

>>13085003
>no u
go eat a tide pod zoomer

>>13083087
very based and anti-Shekelberg pilled Pampo the clown

>>13085398
Sorry I destroyed your whole strategy with logic Boomer.

4 years ago I had dog shit credit. I had multiple accounts in collections for thousands of dollars. So I made a credit karma account and got to work. I negotiated with my creditors and paid them off, got the accounts removed, got a couple shit credit cards, paid them on time, got better credit cards, kept paying them on time.
Now look motherfuckers. I walked into a BMW dealership last year and bought a $50k car with $18k down.

>>13077466
Laughinguncontrolibly.jpg

>>13083761
Truth. I’m a FA and they ran my credit when I applied for the job and when I took all of my FINRA exams. If I would have had black marks I never would have gotten past the start

Lol at shit credit poor fags

I have a sapphire reserve that gets paid off every month. I 60k+ points a year. Stayed in Amsterdam for a week last year for free at the Hyatt. Free airport lounge access, I pay about 150 a year for the card if you subtract the yearly fees. I end up with about 2 free round trip tickets in the USA ever year which far outweighs the fee. Credit score is attached. It was 840 but just got a new vw gti for my wife.

>>13085678
> Put almost 30% with good credit so likely a low interest rate
This is not something you should brag to anyone not fiscally retarded.

>>13085668
yep, you totally BTFO real estate entirely with your *one simple fact*

>>13085816
The sad part is you flexing in a board full of broke ass neets. What an insecure manlett, I bet you worry about your wife cheating on you so you buy her expensive things.

>>13074137
>no house (pay rent for the rest of your life, like a dumbass)
All cash, faggot. No 30-year mortgage for me when I'll be trading up in 5 years anyway.

>high interest on car loans (you will literally pay 3 times the price of your car over a 60 month loan with bad credit)
>>>buying a depreciating asset
>>>with debt
Fucking kek

>no business loans
Anyone who's actually started a business knows you fund it either through a) own equity, b) relatives/friends/partner equity, c) relatives/friends/partner debt (who don't give a fuck about your personal credit), or d) angels.

You sound like a 40 year old loser who unironically owns his own contracting business. Pathetic.

>>13086135
> All those retarded half ass funding options
> Doesn't know anyone who has gotten even an SBA
> on /biz
I swear crypto is a cancer and should be it's own board.

>>13086135
>spends 200k on a house when he could have invested that money
strong fucking retard

>>13086118
Actually my wife and I have probably had more threesomes than you’ve had sex. But whenever you say neet

>>13086399
>yes goy, pay 4.5+% on the market when you can't even get that in non-shit corporate bonds

Fucking retards, the lot of you.

>>13086538
>paying 4.5%
>investing the 200k @ 8% RIO
yes, we're the stupid ones LMAO you're a literal LARPing retard

>>13086528
MFM is not a threesome its your wife getting a train ran on her

>>13074137
>mfw americans have an actual real life "good boy points" system in use

>>13087957
More like good goy points, lol

>>13074137
>no house

Just manual underwrite the mortage

>Car loans

Just buy outright a good 2000's car with low mileage

>Business loans

lol

>>13074137

Opens up this March

https://youtu.be/OIamCXZ6CZI

https://bitcointalk.org/index.php?topic=2827989.680

This thread confirms that mutts are extremely bad with money and cucked to oblivion by them.
God lord. If I could make your yearly salary 3 years straight Id be rich by now.

>>13082558
How much of a higher credit limit? Poorfag here, my oldest account is 6 years and its limit is 11k. I'm 25 and its a discover account that i started with a $500 limit. I never even asked them to increase it from $6k to $11k, it just happened one day iirc.

>credit
>wealth
pick one goy

>>13074137
I don't need a house, car loan or business loans