/biz/ - Business & Finance

[Anonymous No.13319215]

Why dont you boomers get it?

[Anonymous No.13319241]

>>13319215
I purposely try to get my good-goy-score as low as possible because it pisses off (((them)))

[Anonymous No.13319250]

>>13319241
based

[Anonymous No.13319254]

My credit score is 95 and I did it on purpose
Fuck the kikes and credit

[Anonymous No.13319276]

>>13319241
""They"" literally froth at the mouth and get erections because they know if you ever need a short term emergency loan, healthcare loan, etc. you're going to be shitting out so much in interest you're almost better off dying.

[Anonymous No.13319285]

>>13319276
>you're going to be shitting out so much in interest you're almost better off dying.

[Anonymous No.13319290]

[Anonymous No.13319303]

>tfw can't break 767
>never gonna be granted a ridiculous loan
>wont be able to use it to flee the country after emptying retirement account and live FIRE lifestyle
>they know its why they keep the last 83 points from me
FUCK ME YOU STUPID GODDAMN JEWS! I PLAYED BY THE FUCKING RULES GIVE ME MY GOOD GOY POINTS SO I CAN EXIT SCAM! I LEARNED IT FROM YOU I LEARNED IT FROM WATCHING YOU!

[Anonymous No.13319314]

>>13319276
No need when I have more than enough money saved up to cover 99% of emergencies
If that 1%-chance emergency happens to come, then I'd most likely be screwed anyways

[Anonymous No.13319328]

>>13319303
>wont be able to use it to flee the country after emptying retirement account
tell me more about this plan

how can I do this

[Anonymous No.13319351]

>Credit
I'm all in crypto

[Anonymous No.13319371]

>>13319290
>The muddiest states have the shittiest scores

I am shocked

[Anonymous No.13319399]

>>13319328
you can see the keyhole at 790
at 800 the door is visible
at 810 it cracks open
at > 820 you can do the impossible see the invisible
do your homework anon due diligence PAYS off
the people who revealed the secret to me disappeared with smiles shortly after I started asking more. scrubbed their social media ghosted their family. I know they made it because one of them sent me a letter last year with no return address.

[Anonymous No.13319416]

>>13319399
So are you going to explain or just spout shit

[Anonymous No.13319456]

TFW when had 850 fico score. Broke my back in two places in an accident. Had to quit work. Couldn't pay all my bills on time while in recovery. After 12 years of having IMMACULATE credit. 2 months of involuntary delinquency dropped my credit to 625.

Fuck this system we're slaves to. It works until you simply cannot and when you find yourself in my position, god forbid you don't have to experience an accident (or worse)... the system will fuck you too.

[Anonymous No.13319484]

>>13319303
Hold old is your credit history? How many open accounts, what's your total credit line..? Maybe we can determine what the bottleneck is and get you bumped up a bit.

[Anonymous No.13319491]

>>13319456
What happened? Worker's compensation or auto insurance or whatever didn't cover it?

[Anonymous No.13319502]

>>13319290

>Vegas
>lowest
KEK!

[Anonymous No.13319513]

>>13319502
>Nevada is the lowest

[Anonymous No.13319616]

>>13319303

FYI anything past 740 is all the same, that's what you need to get no points on a mortgage. After 740 its mostly your income that determines how much a load you can get. They are happy to load you up to 100% of what you can reasonably pay monthly

And anyone who just isn't up to their eyeballs in debt and doesn't miss payments has above a 740 after a few years. Credit score is just a shit list to weed out the idiots that are literally to stupid to budget for themselves. Non-poorfags should give a shit less their credit score.

[Anonymous No.13319717]

>>13319290
I love how the core-conservative bible belt has the lowest scores

[Anonymous No.13319725]

>>13319717
>durr im retarded
bible belt is full of niggers and spics

[Anonymous No.13319731]

>>13319456
>didnt have an emergency fund
>didnt transfer any balances

You didn't deserve that score. You were over leveraged.

[Anonymous No.13319747]

>>13319725
Oh so it's all the niggers and spics that are voting in republican officials all along. What a twist.

[Anonymous No.13319813]

>>13319399
ROW ROW FIGHT THE POWER

[Anonymous No.13319818]

>>13319747
>>13319717
Imagine being this dumb

[Anonymous No.13319826]

>>13319456
Should have exit scammed while you were ahead.

[Anonymous No.13320526]

Who else here has no credit score?
I'm not falling for their schemes

[Anonymous No.13320686]

>>13319491

self-employed, no benefits were accessible until after my credit score shit itself.

[Anonymous No.13320709]

>>13319731

i had nobody to help me. i was stuck in a hospital bed or months, almost paralyzed. my phone, keys to car and house, wallet was all lost in the accident. i have nobody in my life to help me, there was literally nothing i could do. and no i wasnt over leveraged.

[Anonymous No.13320848]

>>13319303
Literally have 810 by using my credit card for purchases and paying it off immediately for 10 years.

[Anonymous No.13320858]

>>13319351
>94
please explain how you pissed off the kikes that much

[Anonymous No.13321536]

>>13320858
He probably stole 50K in credit and went all in on LINK

[Anonymous No.13321731]

>>13319747
>Oh so it's all the niggers and spics that are voting in republican officials all along. What a twist.
While felons can't vote they *can* default on their credit cards.

[Anonymous No.13322556]

>>13319717
I have no idea what my credit score is.
I bought my first home on an owner carry and my second home cash.
Why would I ever want to go into debt?

[Anonymous No.13322564]

>>13319215
haven't checked mine in years. I've been in debt for ages and I'm at the point of not giving a shit anymore

[Anonymous No.13322566]

>>13322556
mortgage debt makes financial sense, provided you aren't house poor

[Anonymous No.13323513]

>>13320858
I got things on credit (loans, etc) and didn't even attempt to pay them back. Everything I have is in crypto which admittedly is not much but still... It's all or nothing at this point. I have debt collectors chasing me for years

[Anonymous No.13323516]

>>13319725

So is Minnesota
So is Illinois
So Is New York
So is Washington

[Anonymous No.13323539]

>>13319399
>outjewing the jew
is such a thing possible?

[Anonymous No.13323542]

>>13319215
The new credit score is having enough KYC docs to get into FLETA and Resistance presales.

[Anonymous No.13323559]

Certified millennial here. I can't help it if the rest of you are borderline retarded from a life of video games and internet porn. Step up.

[Anonymous No.13323574]

>>13319215
>get it
>debt rating score
anon i don't think you get it

[Anonymous No.13323575]

>>13323513
why don't you just bankruptcy if your score is 94?

[Anonymous No.13323580]

>>13320526
>no credit score
>can't get credit card to rent cars to go on 1000 mile a day cross-country trips for $30 a day rentals.
such is life.

[Anonymous No.13323581]

How do you guys even find apartments to rent if you have shit scores?

[Anonymous No.13323598]

>>13323575
I don't need to or want to and that costs money anyway I believe. I ruined it on purpose half because fuck the Jews and the credit system and the other half purposeful self sabotage on my part so to motivate me to reach a point where I don't give a shit about credit, or need it. Sounds retarded but there is method to it unironically

[Anonymous No.13323639]

>>13323598
I'd like to see an update from you in five years, where your at, what your thoughts are.

[Anonymous No.13323643]

>>13323639
Will post in 5 years, you better be around to see it

[Anonymous No.13323922]

>>13319215
>tfw 772
NO NONONONO NO NO!!

[Anonymous No.13324427]

How much does getting your card declined hurt your score?

[Anonymous No.13324434]

>>13319215
What? Credit score? Do americans really live in an orwellian dystopia?

[Anonymous No.13324435]

>>13324427
That doesn't affect your score at all. The fact that you're using up 100% of your credit line is what's gonna kill your score.

[Anonymous No.13324448]

>>13319276
>short term emergency loan
hello moshe
nobody sane needs "emergency loans". you're supposed to have money saved up and a family/friends network to rely on for times like these
obv you jews try to destroy the family structure as hard as you can, because people with support around them are not desperate people, and it takes desperation to accept your debt slavery schemes
i feel sorry for all the good people, whites or browns, roped into that bullshit of yours. while you also try to push racial war, there's still enough people seeing clearly there will be kike blood when shit hits the fan

[Anonymous No.13324460]

>>13324448
you are mentally ill

[Anonymous No.13324468]

>>13324435
Every credit application effects your score doesn't matter if its been denied or accepted...

[Anonymous No.13324479]

>>13324468
Getting your credit card denied in a store isn't asking for more credit. It's hitting the ceiling of what you have available.

[Anonymous No.13324480]

>>13319276
if any banking institution is willing to loan you money and they calculate that its high risk and charge you for it as if they are providing you a "service" they deserve to lose their money

I maintain a low score. I apply for everything I get in the mail, and I charge it up and never pay it back. It goes to collections and eventually dissappears after a few years.

People say you can't beat the banks and credit companies... yes you can. By doing what I do. I don't give a shit about my goy score.

[Anonymous No.13324486]

543 here, never had a card or loan.

Net worth ~2mil (5% in crypto).

Literally Jewish banker shills contact me in person with offers for lines of credit or banking services.

[Anonymous No.13324488]

[Anonymous No.13324494]

>>13324480
This is fraud and you may eventually be arrested, btw. People are arrested for credit card fraud of this exact type quite often.

[Anonymous No.13324504]

>>13324486
how do they do that? is it your own bank that rings you up?

[Anonymous No.13324552]

>>13324460
You are Jewish fuck

[Anonymous No.13324576]

>>13324448

> jews try to destroy the family structure
> it takes desperation to accept your debt slavery schemes
> while you also try to push racial war

+1

[Anonymous No.13324580]

so how's being a slave to credit score any different than Chinese social score?

[Anonymous No.13324586]

>>13324580
Credit score does not affect your ability to travel or invest or seek employment (except to some extent). Chinese social credit is used to prevent interprovincal transport of undesirables and to keep them from moving freely out of China.

Us credit score is a grading system for human cattle to enable the debt slavery system.

[Anonymous No.13324589]

>>13324494

U might be arrested for being a jewish faggot xD
U homo jew

[Anonymous No.13324683]

>>13324494
Lies

[Anonymous No.13324707]

>>13322564
same here
t. all in link

[Anonymous No.13324711]

>>13324460
have sex

[Anonymous No.13324742]

>>13324711
Ok. Bend over

[Anonymous No.13324746]

>>13324742
fucking rekt

[Anonymous No.13325100]

>>13324494
>>13324589
>>13324683
not even, this is a legitimate method of people accruing wealth. I know someone who researched the way debt is handled because they worked in debt collections for a while. They got their credit really high opened up a bunch of 5K plus lines and loans from multiple sources and then never paid back. When the credit was sold to a collection agency they brought it to court and asked specifically for the agreement that they had made with the debt collection agency. Since there was none the case was thrown out. It was the fault of the agency for buying the loan expecting the person to pay them. Most people are dumb enough to believe the garnished wages and other threats debt collection agencies open with. After engaging and agreeing to pay the debt they bought you then have made a binding contract with those agencies.

The trick is literally never paying and then understanding when the debt has been bought by another organization. It's not easy to do but this dude was a 58 year old neckbeard boomer who had been spending most of his life researching and preparing for it. He got a law readers degree and passed the bar to ensure he absolutely was correct in his method. Longest long hodl to short credit I ever seent.

[Anonymous No.13325117]

>>13324494
It's not a crime not to pay your debts. There is no fraud involved if you don't lie on your application.

[Anonymous No.13325123]

>>13319303
its making posts like this. you know (((they))) see all.

[Anonymous No.13325125]

>>13319215
(((Why dont you boomers get it?)))

[Anonymous No.13325194]

>>13323643
Post clown world memes because it'll be stale by then

[Anonymous No.13325441]

>>13319303
>>13319215
>>13319303
>>13319399

I don't understand all this shit about "good credit scores."

I'm 25. Working part time, never had debt, and pay for my phone and internet each month. I applied for my first credit card last week after checking my credit rating.

Mine was 958/999 (excellent). I went into the bank, and they had one look at my account and rating and I walked out with an 8% card, no fees at all a £5000 ($7000) credit limit, plus considerable rewards.

It seems to me that having a good credit score is really easy, just make sure you don't go into debt and pay bills on time. Literally first card, I earn 16k a year, and I have a card that most people seemlingly dream of???

[Anonymous No.13325475]

>>13325441
Generally if your disciplined enough with your money not that have a bad credit score then your disciplined enough to ignore all borrowing except for a house mortgage,

[Anonymous No.13325540]

>>13319215

Whats this shit?

US credit ratings or what?

[Anonymous No.13326301]

>>13325441
>british credit

Americans are nearly forced to build credit backed by their own liquid assets at first. You have to secure your own funding to back a secured credit amount based on how much you saved. So imagine having a minimum wage income saving up an emergency fund and then having to lock it up just to get a "credit" card you funded in order to spend and pay back what you already saved and are now unable to use until you close the secure credit card account assuming you built enough credit to get a not shit credit line.

>>13325540
yes

[Anonymous No.13326992]

>>13326301
I'm going to apply for the Platinum Amex business card when i set up my business. I'll see what credit limit I can get with that.

[Anonymous No.13327042]

Europoor brainlet here, can I have a quick rundown on these scores

[Anonymous No.13327065]

>>13327042
0-850 or 0-999

higher the more "credit worthy" you are.
Low scores means ur gonna struggle to get good credit or good deals
High scores and the jews love you and will offer you the cheapest credit.

Basically if u have low scores u arent getting loans, mortgages or anything like that without paying 10x what someone with high credit would. High credit rating also means better credit cards.

[Anonymous No.13327083]

>>13324448
This man is a scholar and a gentleman.

[Anonymous No.13327091]

>>13319290
>666
>North Carolina

[Anonymous No.13327093]

>>13327065
Why would you take loans ?
Didn't your father taught you about compound interests ?

[Anonymous No.13327120]

>>13327042
Americans being slaves for the jews.
Being a murrican and not being able to make it is literally low iq behaviour, they have lots and lots of opportunities but cant beat the inmediate pleasure, sacrifice is not something they can handle.

[Anonymous No.13327154]

>>13325441

Credit score is more like a not-financially-retarded score. Usually, its kids who just got baby's first real job and move out of their parents house. Then think they are the shit and brag about their credit score and pathetic 5 figure salary. Most of the time their parents paid for all their expenses before so they don't have debt like other poor fags do.

Once they have an actually income for the first time in their life they start getting lured into the debt cuck cycle and start looking to spend a quarter of their income on a car, "luxury" apartment, or some other stupid ass financial decision. So they check their credit score to see just how cucked they can end up getting and see that they're "above average" when compared to the literal 80 IQ masses. Then they feel proud of themselves and justify their idiotic financial decision. Mommy and daddy will bail them out anyway.

Thing is, anyone with half a brain that's not up their eyeballs in debt has a good credit score. Its just a tool the financial industry uses to two purposes: 1. poor scores weed out the people who are literally too stupid to even remember to pay their bills and 2. high scores assure people that they should take out w/e loan they are looking at because they have "good" credit and its ok.

Bragging about your credit score is like bragging about your Mensa IQ. Maybe some fellow retards might find that impressive, but the reality is you fell for the scam to pay for a bullshit IQ test and yearly membership. Credit score means nothing other than to manipulate you into cucking yourself into debt. Any real loans like mortgages or business loans are based on your income and don't give a fuck about your credit score. Mortgages for example treat anything above a 740 the same. Approval is based on income and existing debt.

[Anonymous No.13327175]

>>13319215
Lol at mutts for being absolutely cucked by this credit surveillance system

[Anonymous No.13327638]

>>13326301
>Americans are nearly forced to build credit backed by their own liquid assets at first. You have to secure your own funding to back a secured credit amount based on how much you saved. So imagine having a minimum wage income saving up an emergency fund and then having to lock it up just to get a "credit" card you funded in order to spend and pay back what you already saved and are now unable to use until you close the secure credit card account assuming you built enough credit to get a not shit credit line.
oh man america, you're jew'd beyond belief