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How bad can it be?
And the demographics.
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WWAW with credit scores
- Thread starter FranksWirecutters
- Start date
How bad can it be?
And the demographics.
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I’ll never understand how it’s possible to have a credit score below 700. If you’re so broke that you can’t even afford a $30 minimum payment to keep your account from being reported as late, you are truly a nigger. There is no excuse to not have 100% on time payment history.
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Bullshit concept in general, but mine is good so I guess I'll live with it.
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- 41,137
what's a credit score
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Canadian dollars must smell like poop
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- 60,201
A few months ago, one of my parents got an email, congratulating them on getting their credit score all the way up to 700. They died seven years prior. Last year, I came into a modest sum of money, and I used some of it to pay off a relatively small credit card balance. My score plummeted by 24 points. Then I had a collection on my account that was a case of ID theft. I successfully disputed it, and got the collection removed from my report. My score increased by three points. The point being, it's all bullshit.
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I just want to cancel a credit card without taking a hit to my score.
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My score is 825 and the apps tell me I should have like 10 more credit accounts to make it optimal.
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You really should. I have like 18 now or something. Get those sign up bonuses.My score is 825 and the apps tell me I should have like 10 more credit accounts to make it optimal.
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As one who has been in credit card debt, it's easily avoidable but, it's not actually like that, there is no $30 minimum payment. The minimum payment is always a big fraction of the total debt.
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Im a fucking complete idiot and wound up with an 803 credit score because I just had my student loans on autopay for 6+ years, and also paid off a car in that timespan
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They do ding you for it, though. Less available credit, one less open credit account. It'll bounce back in time, but it seems so counterintuitive to pay off a debt in full, then see your credit score go down. You're punished for behaving responsibly.
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Yeah that's your account. Not everyone has that exact card. Lol
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That’s 3 different cards and you said those payments don’t exist. I guess they do for the white man.
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Nice balance, stupid.
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I pay them all off each month.