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PostPosted: Tue Mar 05, 2024 11:29 am 
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Just curious as I am looking for new targets

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PostPosted: Tue Mar 05, 2024 11:33 am 
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PostPosted: Tue Mar 05, 2024 11:33 am 
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PostPosted: Tue Mar 05, 2024 11:35 am 
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Subprime

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PostPosted: Tue Mar 05, 2024 11:40 am 
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i got 469! they said it was good, i dont know. i guess it prequalifies me for what they call "flex APR' which is supposedly a new service they offer to people with high credit scores.

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PostPosted: Tue Mar 05, 2024 12:16 pm 
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Mine is not great, but when we refied our house the mortgage guy told my wife her score was the highest he had seen in his 35 years in the business.

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PostPosted: Tue Mar 05, 2024 12:38 pm 
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PostPosted: Tue Mar 05, 2024 12:56 pm 
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Trump got indicted for a terrific score.

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PostPosted: Tue Mar 05, 2024 1:10 pm 
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PostPosted: Tue Mar 05, 2024 1:40 pm 
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who needs a score. I'm white*. Banks just give me money

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PostPosted: Tue Mar 05, 2024 1:46 pm 
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Joe Orr Road Rod wrote:
Mine is not great, but when we refied our house the mortgage guy told my wife her score was the highest he had seen in his 35 years in the business.


i would have reminded her how you pay all the bills and she owes you one right there in front of the financial officer.

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PostPosted: Tue Mar 05, 2024 1:50 pm 
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good dolphin wrote:
who needs a score. I'm white*. Banks just give me money


this is quite true. it also depends where you work. i was at a SHITHOLE company years ago, something like 680 credit. Quit, got hired by a financially competent outfit and 3 months later my score went up 40 points.

still, hate the premise. if you match the company file your employer has, with our criminal records, and then factor in our credit score, you would have a nice little social credit index on everyone. so glad they dont do this. :roll:

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PostPosted: Tue Mar 05, 2024 2:11 pm 
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Also, what’s the last four digits of your SS#?


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PostPosted: Tue Mar 05, 2024 2:18 pm 
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KDdidit wrote:
Also, what’s the last four digits of your SS#?


it's not 6969 but it could be, and i also think you will get hung up on

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PostPosted: Tue Mar 05, 2024 2:39 pm 
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good dolphin wrote:
who needs a score. I'm white*. Banks just give me money


You still have to know some important people inside that bank.

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PostPosted: Tue Mar 05, 2024 2:46 pm 
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Late in his life, my dad's score was 830. Having zero utilization other than what he charged to his 2% CB card each month, and a couple of lines over 45 years old will do that.

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PostPosted: Tue Mar 05, 2024 3:03 pm 
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good dolphin wrote:
who needs a score. I'm white*. Banks just give me money

Bit's been done. Rather famously.

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PostPosted: Tue Mar 05, 2024 4:04 pm 
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Joe Orr Road Rod wrote:
Mine is not great, but when we refied our house the mortgage guy told my wife her score was the highest he had seen in his 35 years in the business.

When we bought a car a few years back the sales guy said my wife's credit was a bit better than mine...despite the fact that we are both on all the same bills and she hadn't worked full time in 12 yrs.

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PostPosted: Tue Mar 05, 2024 4:20 pm 
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high enough to get a NINJA loan


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PostPosted: Tue Mar 05, 2024 5:22 pm 
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if your credit is good enough, you dont need credit. if its too low, youre too fucked to have credit.

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PostPosted: Tue Mar 05, 2024 7:31 pm 
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actually down to just two cards, 14k total. a month ago i was over 25k in credit card debt. that extra $400 a month in interest is going right to bartenders.

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PostPosted: Mon Mar 11, 2024 4:28 am 
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I've had a perfect 850 a few times in the past year. Credit scores are a compete joke and I detest them. My score once dropped by 20 points and no one at Experian could explain why.

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PostPosted: Mon Mar 11, 2024 7:08 am 
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830/850, 850/900, where we have been for the past many years. The credit card company report blurbs state that our score is hurt by not having any installment loans :?:

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PostPosted: Mon Mar 11, 2024 12:21 pm 
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a retard wrote:
830/850, 850/900, where we have been for the past many years. The credit card company report blurbs state that our score is hurt by not having any installment loans :?:

That's true. Diversity of credit types is part of the score.

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PostPosted: Mon Mar 11, 2024 12:27 pm 
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I have a buddy who is a dave ramsey worshipper. he wanted to have an indeterminable score. The issue is this one debt never went off his report in the time he was expecting and so instead of indeterminable he had really bad credit for some time. He could not build until it happened. and then it happened and when he went to go get manual underwriting, none of them would do it...even the company that ramsey advertised to do it. So he finally had to build up his credit again, and was able to build 4 years after he bought the land. Was pretty funny.

I have no idea if we have good credit or not. in 2020 when we refi'ed it was in the 800's. not even sure what a good score or not.


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PostPosted: Mon Mar 11, 2024 12:48 pm 
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Darkside wrote:
a genius wrote:
830/850, 850/900, where we have been for the past many years. The credit card company report blurbs state that our score is hurt by not having any installment loans :?:

That's true. Diversity of credit types is part of the score.


I get that but not going to take out a loan I don't need just to raise my credit score. My loan payment history long with current credit activity should suffice.

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PostPosted: Mon Mar 11, 2024 12:49 pm 
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IkeSouth wrote:
actually down to just two cards, 14k total. a month ago i was over 25k in credit card debt. that extra $400 a month in interest is going right to bartenders.


god you're a loser


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PostPosted: Mon Mar 11, 2024 12:51 pm 
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Bagels wrote:
IkeSouth wrote:
actually down to just two cards, 14k total. a month ago i was over 25k in credit card debt. that extra $400 a month in interest is going right to bartenders.


god you're a loser


:lol: :lol:

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PostPosted: Mon Mar 11, 2024 1:06 pm 
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Crystal Lake Hoffy wrote:
I've had a perfect 850 a few times in the past year. Credit scores are a compete joke and I detest them. My score once dropped by 20 points and no one at Experian could explain why.


i had my score go up my 50 points after I put $10k on them once. They really don't like when your utilization is 0.

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PostPosted: Mon Mar 11, 2024 1:11 pm 
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IkeSouth wrote:
Crystal Lake Hoffy wrote:
I've had a perfect 850 a few times in the past year. Credit scores are a compete joke and I detest them. My score once dropped by 20 points and no one at Experian could explain why.


i had my score go up my 50 points after I put $10k on them once. They really don't like when your utilization is 0.

2%, just like the perfect inflation.

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