WWAW credit scores

[Saddam Hussein]

I’ve recently increased my credit card balances and dropped my score a few points. Does it actually matter that much?

 

[SensibleKeks]

(((yes)))

 

[Wild]

((Yes mastah))

 

[johnnynoname]

credit scores are such a work in several ways

However, the pure lunacy that happens to your credit score when you finally pay off your student loans is just pure (((gamery)))

your credit score will go down when you pay off your student loan because:
1) "credit age" is one of the things factored into your score and most people's earliest form of debt is a student loan
2)" credit diversity" is another factor. If your credit is basically credit cards (no mortgage, no lines of credit) you basically lose a different form of credit

isn't owing less money to a good thing?

so yes- credit scores are a work however good luck getting a car loan without good credit

 

[EraGodless]

I’ve recently increased my credit card balances and dropped my score a few points. Does it actually matter that much?

Yes. Utilization is like 30% of your score. You don't want zero balances across all the credit cards you own- you want balances to be between 1%-10% They want you to use the credit, but not too much.

 

['THE NIGGER MAN']

Pay cash, Brothaman

 

[Phish]

Youll likely never buy a house without it unfortunately. I had to pay off outstanding ER bills and shit before the bank would even fuck with us.

 

[Former Prez Gerald Ford]

Credit is a lot like smoking meth.. when it’s good you want more of it and even when it’s not you still want more of it.

ok actually credit is really nothing like meth. I just really want some meth rn

 

[Saddam Hussein]

Youll likely never buy a house without it unfortunately. I had to pay off outstanding ER bills and shit before the bank would even fuck with us.

I already own one. Just nervous about the higher balances

 

[Stetten's Long Thumbers]

We already had this discussion. If you're not retarded your credit score by default should be 700+. However increasing your Score even more requires you to have debt aka buy in to the system. When I had student loans, I maxed at 840. After paying it off im at 730 or so. Which is the right way to do it.

If your credit is below 700 you're a nigger

 

[Smeckler's Powder]

Youll likely never buy a house without it unfortunately. I had to pay off outstanding ER bills and shit before the bank would even fuck with us.

Damn dude you should have disputed them

 

[guest]

Universal credit scores aren't a thing in the majority of European nations. Neither is circumcision. Hot dogs are pork not beef here too. Nice passively surrendering to the diktats of your Jewish overlords, stupids.

 

[guest]

A few years back i was at the (((casino))) in panama city and had just gotten a new boa rewards card with a 10k limit
I figured id just double that 10k at the blackjack table and get a free vacation
Well i maxed out the 10k in 2 days with no profit as i was punting and figured ill just pay the $100 monthly minimum or whatever and use that every month for gas after paying

Well after three months they cancelled my card as they saw the nigger scam i was doing so i had 10k in cc debt without a card to show for it
The only way to win is not to play the game
(Or not use credit at the casino or to buy jetskis)

 

[guest]

Universal credit scores aren't a thing in the majority of European nations. Neither is circumcision. Hot dogs are pork not beef here too. Nice passively surrendering to the diktats of your Jewish overlords, stupids.

I have no clue what a credit score is..

 

[guest]

I have no clue what a credit score is..

In the UK it's independent based on the lender, there's no universality and there are a bunch of consumer rights and protections written into.law to protect against lender monopoly. I know that Germany and Austria are stricter, and I think some of the Scandie countries are too.

 

[IGotATreeOnMyHouse85]

We already had this discussion. If you're not retarded your credit score by default should be 700+. However increasing your Score even more requires you to have debt aka buy in to the system. When I had student loans, I maxed at 840. After paying it off im at 730 or so. Which is the right way to do it.

If your credit is below 700 you're a nigger

I don’t know how it is now but when I sold cars about 10 years ago you’d be amazed at how many people (and not majority N persons) came in with shit credit thinking they could buy a 42 thousand dollar Jeep Grand Cherokee. I remember we had to be careful asking about their credit before running it but you always knew when you were getting a bad score with how someone reacted to the question. I remember one time asking a guy how his credit was and if there was anything important I should know before running it. He said no and sure enough the fucker had a bankruptcy not even three months prior.

 

[Phish]

Damn dude you should have disputed them

I did. I got like $8,000 knocked down to like $1000 or something along those lines. They were just happy to get anything i think.

 

[Queefer Sutherland]

Get a higher credit score so you can go into debt even more!