God-Tier Credit

>he fell for the credit jew
oy vey. good goy. imagine being this poor and not having liquid CASH for anything you want.

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Use a points card, pay it off every month and be a deadbeat. Show that kike who's boss

An 830 on Credit Karma isn't a real 830. Come back with your real score dipshit.

This. I've been hovering around 790 for a while and it doesn't seem to go up. I don't use my credit cards much and have never missed a payment.

In my experience you just have to be good and wait. It climbs a progressively slower the higher it gets.
>t. only have several high limit credit cards and a couple paid car loans in my history, never a mortgage

>be good and wait
This makes sense I guess. My FICO report is all green except "Length of Credit". I got one card five and half years ago, and opened a second one just a year ago. I guess that's what's hurting me? My utilization never goes above 20% and I've never missed a payment.

>you may only post if your credit score is as good as mine
sure ok faggot

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You clearly have no credit history. Work in lending. We only see this when you're a dependent. Congrats on your new pubes.

Protip: 740+ is all that matters. It's like pass/fail above that mark. Makes no fucking difference.

>bragging about accumulated Good Goyim™ points

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user they renamed that to the good goy score. Use the correct terminology.

Thanks,
-mgmt

>714 credit score
>$3500 in collections that im never going to pay off because fuck the jews
>credit score continues to climb

How many credit cards do you have? I used to have a secured credit card but now that I have a history established I closed it. Been thinking about opening two more to get three in total and building a long credit history.

Hey - some people out there I guess want the return of Nazis

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I don't have a credit score becuase I've never taken out a loan or used a credit card. Is this good or bad?

765 here. What score do i need to get a loan without the banks asking for collateral?

851

It only goes to 850 nigger

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This is the best. The bankers will try to tell you this is bad.

Write 6000 dollar access cheques to yourself at .99% to gamble in Vegas a couple of times a year, kek.

Pay them off in time, rinse and repeat, 845 before you know it.

535 and I don't care you fucking plow-faced beady-eyed demonic hebrew fuck. inb4 pay your debts. Fuck you all, fuckers. REEEEEEEEE!

is there any advantage to 830+ vs low 800's?
have two cards, like 3mm investable and my fico never goes above 810- maybe because i churn cards?
am i missing anything from not getting a higher score? I don't do debt.

this thread is a daily reminder of the Credit Jews

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It was 820 last time I checked. Don't know why in particular. I've never taken out and paid off a big loan. Or, not a real dealio big boy loan. I have student loan. That's just paying off credit cards monthly for 15 years, never making late payments on anything.

Does time you've held a job factor in to it? I ask because I've been at my current wageslavery for eleven years and maybe that bumped me in to the 800's.

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Hail Hitler !

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>credit score

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The Credit System is inherently an evil and Satanic Jewish created entity , which is part of the snakes head that must be crushed

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Nope, they don't into jobs.

Someone has probably stolen your identity and is pumping you for an exit scam dump.

>Someone has probably stolen your identity and is pumping you for an exit scam dump.

I wouldn't be surprised.

This

>Haha look at my slave score!
>I love that they give me an opertunity to borrow at lower rates in exchange for selling my dox
Credit scores need to be abolished.

>never missed a payment
>never overdrawn
670 because I don't play with the Jews enough.
Thankschaim.jpg

You have to spend like 75000 dollars to get a 1000 dollars on a Quicksilver card. Even worse is that you tend to overspend with a credit card. When you go to the store and buy with cash, you have to hand over money that you don’t get back. When you buy with credit cards or even debit cards you swipe the card and get the thing you bought and get to put the card back in your pocket. In your mind you think "wow I just got points and a thing" when the thought process with cash is "wow I just lost a bunch of money."

not if you pay it off every month you fucking dumbass, that's his point.
if you pay it off every month, you still have to come up with the cash you dingus.

I’m argueing there’s a mental effect. Swiping your card and putting it back in your wallet won’t register in your brain as a painful transaction. Giving the cashier money and never seeing that money again is a painful transaction which makes you more frugal. Debit cards are just as bad in this regard. Credit card users can hardily remember how much they spent evan as they are walking out the door.

What does it feel like to be embarrassed on the internet?

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What can you even do with high credit?

My 780 is good enough for anything

Get into more debt at a lower interest rate so you're a little less of a debt slave. Yay.

Are you a 30 year old boomer?

What kind of a mortgage can I get with an 820? I have an assload of student loans still and my debt/income is obviously not great (medical school)?

Pay off your current debt than save up for a down payment. Don't fuck around with debt.

Borrow more money.

Low iq, never going to make it

At this point I don't think that's realistic unfortunately. I most definitely don't want to go into more debt but I'd also rather not have to rent if at all possible.

I'm 23 and I don't even know how credit cards work. I just don't trust that shit and don't see the benefit of it.

it's a way to protect your bank account funds from being stolen, you aren't responsible for any fraud charges