Just curious as I am looking for new targets

_________________
the world will always the world. your entire existence is defined by your response.

357

_________________
Be well

GO BEARS!!!

83...

_________________
Flew too close to the sun on wings of pastrami

Subprime

_________________

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.

_________________
the world will always the world. your entire existence is defined by your response.

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.

_________________
Anybody here seen my old friend Bobby?
Can you tell me where he's gone?
I thought I saw him walkin' up to The Hill
With Elon, Tulsi, and Don

100,000

_________________

Trump got indicted for a terrific score.

815

_________________
"You know 'that look' women get when they want sex? Me neither" ~Steve Martin

who needs a score. I'm white*. Banks just give me money

_________________
O judgment! Thou art fled to brutish beasts,
And men have lost their reason.

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

_________________
the world will always the world. your entire existence is defined by your response.

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.

_________________
the world will always the world. your entire existence is defined by your response.

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

_________________
the world will always the world. your entire existence is defined by your response.

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

_________________
Be well

GO BEARS!!!

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.

_________________
"When people want their version of the truth, they go find it, no matter how baseless their beliefs." -- Ken Rosenthal

Bit's been done. Rather famously.

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.

_________________
“Mr. Trump is unfit for our nation’s highest office.”- JD Vance
“My god, what an !diot.”- JD Vance tweet on Trump
“I’m a ‘Never Trump’ guy”- JD Vance

high enough to get a NINJA loan

if your credit is good enough, you dont need credit. if its too low, youre too fucked to have credit.

_________________
the world will always the world. your entire existence is defined by your response.

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.

_________________
the world will always the world. your entire existence is defined by your response.

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.

_________________

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

_________________
"I honestly don't see a good bet on the board here."

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

_________________
"Play until it hurts, then play until it hurts to not play."
http://soundcloud.com/darkside124 HOF 2013, MM Champion 2014

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.

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.

_________________
"I honestly don't see a good bet on the board here."

god you're a loser

_________________

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.

_________________
the world will always the world. your entire existence is defined by your response.

2%, just like the perfect inflation.