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/biz/ - Business & Finance

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17939436 No.17939436 [Reply] [Original]

how based is my credit score? any tips to getting this bitch even higher?

>> No.17939674

>>17939436
Its decent. All a nigger has to do is pay credit cards on time to get 680-760. You need 800 to be a credit chad.

>> No.17939707

>>17939674
>credit chad.
do chads get 0% fed bux?

>> No.17939751

>vantage
your fico 8 is probably 20 points higher

>> No.17939794

>>17939436
my score finally got up to this level again after being in the gutter for a few years.
and now this shit happens.
i feel im in a good position with currently zero debt, to take advantage of opportunities, but not sure what to invest in

>> No.17939807

>>17939436
enjoy your (((score))) goy, while you can

>> No.17939853

>>17939794
Rental property

>> No.17939855
File: 26 KB, 612x496, Screenshot_2020-03-19 Credit Karma.png [View same] [iqdb] [saucenao] [google]
17939855

>>17939674
800+ credit score gigachad reporting in

>> No.17939861

812 at 26. I'm a good goy

>> No.17939874
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17939874

>>17939436
kiss a beautiful black (or brown) girl on the lips and like it. that will automatically put you over 800 where you really want to be

>> No.17939889

>>17939853
ah, yes of course. thanks for reminding me.

>> No.17939899

>>17939874
I did this, she had very soft lips
however, my credit score went down as a result

>> No.17939911

>>17939855
Holy fuck. How do I get a score that high? And what kinds of perks does it get you?

>> No.17939922
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17939922

>>17939436
>mfw everyone in my country start at the top until proven otherwise

>> No.17939930

>>17939899
>"she"
anon, i think i have some bad news

>> No.17939972

>>17939855
Give us your score out of 850, TransUnion goes to 900

>> No.17939974

>>17939930
i fucked her, she had a girl pussy, unfortunately?

>> No.17939983

>>17939889
yeah, this is the best use of your credit score. getting the best interest rates on mortgages for cash flowing rental properties

>> No.17940041
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17940041

>>17939974
anon... I have some bad news: your credit score only goes down when it's a black boi. It must have been a tranny axe wound. You have to be more careful next time

>> No.17940240

>>17939911
I pump all my purchases through my credit card, then pay off the balance every month, no exceptions.

Thats about it. Show a history of borrowing and paying back with no delays and score goes up. I have access to over 100k in credit at low interest (3.95) and I carry ZERO balance.

Once I buy a house I won't care about the score anymore.

>> No.17940737
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17940737

>>17939807
>goy
kys goy.

>> No.17940775

>>17939436
Mine is 782, faggot

>> No.17940892
File: 290 KB, 1394x1240, SmartSelect_20200319-164013_Brave.jpg [View same] [iqdb] [saucenao] [google]
17940892

I had fucking 999 gigachad trips, but I have opened like 6 accounts to take advantage of lump sum and regular saving offers. It will get back to 999 after a year.
Just buying Amazon, eBay and train tickets with credit card and not utilising the limit too much (you actually get penalised for using >50% of your credit limit).

>> No.17941042

>>17940892
>actually get penalised for using >50% of your credit limit).
what?
i keep seeing them recommend using 25 to 30%
does it depend on your current score and history and other stuff?

>> No.17941143

>>17941042
No idea mate, in the UK it's "keep it below 50% limit utilisation". Maybe it also depends on the credit limit? I took the smallest possible, £3500.

>> No.17941150
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17941150

>>17940240
>I pump all my purchases through my credit card

>> No.17941264

>>17941150
Unless you pay for everything with gold and silver coins, you're in the same boat.

>> No.17941404

>>17939436
>How's my credit score? Master, was I a good slave?

>> No.17941430

>>17941143
ah, ok. I'm in burgerland, with a short credit history. might have to do with it. different situation i guess.

>> No.17941611
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17941611

Two words

Heroin Addiction

>> No.17941616

>>17941150
just playing by the rules in this game of life.

>> No.17941644

>>17941611
I hope you are in recovery fren. I wouldn't wish an opiate addiction upon my worst enemy

>> No.17941727

>>17941611
I was in the same boat as you for 5 years. Been sober for 3 now and my credit score went from 440 to 700+ as of now.