/biz/ - Business & Finance

[Anonymous No.29185748]

Why isn't your credit score 800+?

[Anonymous No.29185768]

I don't have any loans

[Anonymous No.29185849]

>>29185748
Because I had to take credit out to live after graduating and not able to find a job. The interest got too much and I missed a few payments. Mid 400s now but just starting to see the light out.

[Anonymous No.29185903]

I stopped paying debts, they should have gotten collateral

[Anonymous No.29185968]

>>29185748
i used to have ~850, but bought a house, and helped 'friends' out by co-signing for car loans... and so im at lo700s now...

[Anonymous No.29185988]

Stopped paying because I was going bankrupt

[Anonymous No.29186128]

Mine is 765
I pay all my bills but I’ve never taken out a loan so that’s probably why

[Anonymous No.29186183]

>>29185748
I had a "Very good" score, then i literally forget to make payments one month, paid it all after, but they still dropped me to "Good"
Fuckers

[Anonymous No.29186184]

>>29185849
Keep chugging anon. We were dirt poor and I had to take on cc debt to get groceries, which knocked my score down to sub 500. It's now 740.

[Anonymous No.29186290]

>have always been a good goy and paid my bills on time
>sign up for some free amazon prime one week trial before christmas
>forget to cancel immediately afterwards
>turns out they opened some bullshit amazon credit card, automatically set that as my default, and then automatically charged me for the next month
>no notifications or anything of even getting a bill, much less how to pay it
>only find out a month later
>pay off the 20 bucks or whatever the fuck the bill is
>credit score dropped like 150 or 200 points

Fucking bullshit.

[Anonymous No.29186335]

>>29185748
I have no credit, as I will never use kike tools of subjugation

[Anonymous No.29186408]

>>29185748
It is

[Anonymous No.29186414]

i cheated in video games

[Anonymous No.29186537]

Cuz I only got my first credit card a year ago. Currently at 774 though so I mean...

[Anonymous No.29186554]

>>29185748
I don't have a credit. Have a house though so I'm in an award position if I ever want to buy a bigger house

[Anonymous No.29186619]

Goy points

[Anonymous No.29186749]

>>29185849
You’ll get there fast. I went from 580 to 750 in 6 months by just having 5 credits cards and keeping them at 0 balance with 100% on time payments.
Just take out a new credit card every 4-6 months. Don’t worry about the hard pulls. Just stack revolving credit and keep utilization under 10%.

[Anonymous No.29186850]

>>29185748
I just hit 750, anon. only have 2 years of credit established.

[Anonymous No.29186875]

>>29185748
>Caring about credit
>At all
>On /biz/ of all places
I am not a fucking idiot anon. The one thing muslims have correct is interest is a sin

[Anonymous No.29186929]

>>29186290
You just reminded me to make a payment on a CC that I didn’t mean to use and almost forgot about. Thanks anon.

[Anonymous No.29186945]

>>29186749
>opening a credit card with bad credit
???
???
???
???

[Anonymous No.29187085]

>>29185748
Bi-Polar. Manic episodes are dangerous af financially.

[Anonymous No.29187107]

>>29186875
That was a European belief before Islam even existed.

[Anonymous No.29187172]

>>29185748
check my high score goyim.

[Anonymous No.29187319]

i unironically have 999 for some fucking reason

[Anonymous No.29187457]

>>29185748
GME

[Anonymous No.29187776]

how can I repair a 682 score

[Anonymous No.29187896]

>>29185968
how did you have 850 and not know you should never co-sign a loan? even the ((bankers)) tell you not to do it

[Anonymous No.29187983]

>>29185748
Because my mother had already destroyed by credit before I was even 18. Had me as an authorized user on her credit cards (which I never touched) but she maxed them all and virtually ignored the debt for years. She also had a bill or two in my name that she got behind on. One day when I was about 21 or so I decided to check my credit out of curiosity and it was in the low 400s. It has taken me almost a decade to repair it and claw my way back up to the low 700s, but I'm getting there and I still have a lot of "debts" in my name that I'm trying to sort out.

[Anonymous No.29188040]

>>29185748
it is

[Anonymous No.29188058]

>>29187776
open multiple credit cards that dont have fees and basically hodl until your score is better. try to get ones with "spend xx $ get xx points" and just use it for your regular expenses like gas, groceries, rent/mortgage payments, utilities, etc. just make sure you dont fall into the trap of overspending just to get the points; if you cant get the points with your regular expenses then the points arent worth it

[Anonymous No.29188261]

>>29187776
Apparently if you hold tons of credit but don't use any of it, your score improves

[Anonymous No.29188455]

>>29187107
I am aware I am just saying islam has one thing right and that is it. Charging interest based on loans is unethical. If you can't afford to lose the capital in the loan you shouldn't be loaning

[Anonymous No.29188504]

>>29188058
>>29188261
thanks boys. just gonna pay off the 1 card I have (2k left to pay off) and not spend it for anything then and check back in after a month

[Anonymous No.29188508]

>>29188261
correct. its your credit utilization ratio. They say to keep it between 10% and 20%. So for every $1000 in credit, only borrow $100 to $200. Jewish Magic Tricks I know but don't hate the player hate the game.

[Anonymous No.29188533]

>>29187983
Should have threw her under the bus anon. Also credit is for likes anyways

[Anonymous No.29188582]

>>29185748
I maxed out all my credit cards going all in on crypto five months ago. I have about $60,000 worth of credit.

It’s temporarily dropped my credit score from the 800’s to the 600’s but I’ve made more than enough to pay them all off and my profit has far exceeded the interest payments.

[Anonymous No.29188619]

It's all a hunk of jew-built shit.
You'd know if you are familiar with how easy it used to be to get a house. No income verification needed. They just trusted you and what you claimed because most people who bought houses on credit were honest folk. Niggers and other kikes brought on the creation of the modern credit score which is good goy shit because they abused the system. Now everything you do affects your ability to play in a rigged system. The sooner it falls apart the better. If you keep fighting for credit scores to run the market, you'll get a social credit score soon and that will be worse.

[Anonymous No.29188667]

>>29185849
>I missed a few payments.
literally zero fucking excuse dumbass. they ask like $20/mo minimum if you didnt get a scam card

[Anonymous No.29188913]

>>29185748
741 goy score
Thin file, <1 year, no installment loans. It was going up steadily until it flattened around 740-750 and now they're hitting me with the "get a loan scrub" bullshit

[Anonymous No.29189030]

>>29188582
I don't have credit cards but couldn't you just let it sit forever and just tell them to eat a fat dick when it goes into consideration?

[Anonymous No.29189044]

>>29188504

[Anonymous No.29189546]

>>29189030
Yeah but good luck getting a mortgage or new credit cards if you declare bankruptcy.

Credit cards do come with a lot of perks. That said if you ever find our you’re dying of a terminal illness or something you should go to town on maxing them

[Anonymous No.29190012]

>>29189546
If you use 10k in credit cards for free crypto money you could go for a moonshot and buy a house outright or declare bankruptcy. Seems like a good bad option

[Anonymous No.29190154]

>>29185748
>tfw 795 for a year never goes up
Wtf bros, I just want to join 800 club. I can’t take out any more CC from churning too much last year

[Anonymous No.29190343]

>>29190012
The point is I maxed my credit cards to their limit so I could dump $60,000 into crypto at the beginning of the bullrun

I have over a million in crypto currently thanks to this move and will be taking some profit soon to pay off my credit cards in full.

[Anonymous No.29190407]

>>29185748
Because I ripped the kikes off and you made them money

[Anonymous No.29190488]

>>29190343
>I have over a million in crypto currently thanks to this move and will be taking some profit soon to pay off my credit cards in full.
Why pay the likes at all? Buy a house and let it sit forever

[Anonymous No.29190538]

>>29190343
Don't pay them off. Trust me. Find a girl with 0 or good credit, get her pregnant and use her for all credit transactions and you can literally have free money with 0 downside.

[Anonymous No.29190615]

>>29185748
lack of debt.
next

[Anonymous No.29190650]

It is fren.

[Anonymous No.29190687]

>>29185748
It is. 809

[Anonymous No.29190904]

>>29185748
817. Feels good to be white.

[Anonymous No.29190919]

Why is UK high score lower...

[Anonymous No.29190948]

>>29190615
Gotta create "debt" anon. Pay the faggot's their little bit of interest and make gains on your normie score. If you think you need debt to have a good credit score you're doing it all wrong.

[Anonymous No.29191008]

>>29185748
Where do i get a free score that wont show as a hard inquiry?

[Anonymous No.29191042]

>>29188667
Paying minimums will fuck up your score dumbfuck

[Anonymous No.29191046]

>>29190407
Excuse me but this anon has a body in the freezer

[Anonymous No.29191074]

>>29185748
borrowing money to buy chainlink whore

[Anonymous No.29191120]

>>29185748

It is.

>checkmate faggot

[Anonymous No.29191340]

>blatant data mining topic #20671 appears a month before tax season
>retarded goys eat it up

[Anonymous No.29191358]

>>29185748
Why do i need a good score? To get good interest rates on cars and homes? Is that it?

[Anonymous No.29191643]

>>29191358
Credit scores unironically affect bullshit like car insurance premiums anon. Atleast in 98% of the U.S.

[Anonymous No.29191679]

>>29191046

[Anonymous No.29191805]

>>29191358
pretty much. other loans too, could take out a loan and invest it, try to beat interest expense with capital gains. depending on your jurisdiction there are some tax benefits to doing this

[Anonymous No.29191868]

thats just /b/ dont give him any attention thats what he wants

[Anonymous No.29191910]

Around 760 or so. Just signed up for fidelity and will transfer most of my credit card balance there. What's a good credit card for my score bizbros?

[Anonymous No.29191948]

>>29185748
Chase closed my 5+ yo card after I didn't use it all 2020 during 'rona
Tanked more score pretty quickly lol

[Anonymous No.29192027]

>>29185748
No fucking joke, because I consolidated my student loans.
>dogshit student loan system requires me to take out loans from eight different lenders
>well that's retarded, and I can pay less if I consolidate it under one
>do so
>lose 50 credit score
Fuck kikes

[Anonymous No.29192144]

>>29191910
Amex. Open a line and wait 3 months then request a credit line increase x3 your initial approval (no credit inquiries when requesting through amex). Can submit a new request every few months. Higher total available credit will help pump your score over time depending on how you handle it of course.

[Anonymous No.29192225]

Im like 680... It got super fucked a few years back when i had to leave my job and sue my boss because they were embezzeling my money

I won the suit but after i lost my job and missed 2 months of payments ... My score dropped like a rock 200 points in just a few weeks. I hated credit bureaus ever since then

Never mind my info got leaked including my SS number during the Equifax hack

Luckily for everyone it looks like biden is looking to change the credit score system in some big ways

He is proposing adding payments like utilities and rent, expunging bankruptcies, and having old debts be wiped off reports in only 4 years rather than 7

https://www.forbes.com/advisor/credit-cards/president-bidens-plan-to-change-credit-reporting-and-scoring/

[Anonymous No.29192367]

>>29191643
My insurance rate dropped when my credit dove. It barley matters.

>>29191358
Yes. It's only for incurring new avenues of debt

[Anonymous No.29193416]

>>29191358
>Why do i need a good score?
It's a quantitative way of determining if you're a nigger less trustworthy than a pajeet shitcoin, or a proud white man who you would trust with your housekeys.

[Anonymous No.29193481]

>>29192225
Guess what happens to your neighborhood when this plan goes through anon... you may think it’s a good thing cause you bit off more than you could chew at one point and fucked your shit up but this doesn’t actually help people. It’ll just make them more irresponsible.

[Anonymous No.29193536]

>Exceptional
good goy

[Anonymous No.29194631]

>>29193481
My neighborhood is NYC, i dont think it can get any worse