How do I get over the 750 hump Jow Forums?

How do I get over the 750 hump Jow Forums?

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Don't depend on crypto to pay bills like I did

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its ez. put 100% of daily expenses on credit, but treat it like cash. pay it off in full every month
t. almost got to 800 but had to take out a 15k 0% 18mo loan because my cash safety net wasnt in place and had to replace my roof. took about a 50 point hit

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I already do this. I put everything on my credit card then pay it off at the end of the month and get all the free points n shit without fees or interest and I still can't get it over the 750 hump.

I’ve basically done nothing.

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that's actually more suspicious than a 785

This was a comeback I dropped below 800 for like 2 months but I’ve been 790-800 since I was like 22

Give up your forskin to (((them))
That will bump up your score by about 25 points

So what exactly makes these different from chinese social credit score?

Imagine actually playing their (((game))) and trying to earn Good Goy Points lmao

You get publicly executed in China if your score drops too low

I fluctuate from 760-790 yearly but I don't do anything about my credit. Most places don't care aslong as you're above 700-750 you're doing better than 95% of the population anyways.

How do you get that user? I'm curious what's my score because I have never missed a deadline and always pay with my credit for that 1% cashback

pay your bills on time faggot

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I had a 752 when I had 2 open accounts an average of 2 years old, 100% payment history, 0 derogatory marks, under 20% credit card usage, and the hard inquiries expired.

I opened a new card to drive up my score by increasing my limit and number of accounts, and it temporarily went down because my credit age went down and for some reason the same bank did another hard inquiry. I paid off my car, and then it went down further because the account closed and my credit age went down again. That's when I realized FICO is a scam to keep you in debt. Having a good score just shows you're good at giving the bank money.

Don't do anything just to drive up a score. Stay current on the accounts you need and only take on debt when you need it. If someone gives you shit for not having 750, demand that they do manual underwriting. If they can't even do that, they're probably a bad lender/landlord anyway.

how old are you? what is your total available credit? how much of your total available credit do you use?

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only time will help now.

>tfw 0 debt
>tfw 50k available credit
>tfw credit score still not jew enough

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ITT we brag about how much banker cock we've sucked.

It's actually frightening.

this, my score is 780 and I've done nothing. Just paid off a couple loans, 100% on-time payment record, my hard inquiries were wiped this year, i've never had more than $500 credit card usage at one time. It's taken zero effort or attention desu, I just lived my life normally and paid off my credit card every time I use it beyond like $100.

go look at free sites like credit karma

27 with $6,500 credit I use maybe $1,000 a month

>used to be 800+
>now 764~ after taking out a 700k mortgage

Increase your available credit by getting a credit line increase and/or a new credit card with a high limit. If you get a new credit card, the inquiry will be a negative thing for your score, but the new credit line should offset that and eventually the inquiry stops counting against you.You also just need to keep being responsible with your credit and wait for your accounts to get older.

It'll go back up over time after you prove your ability to consistently make the payments .

Same thing happen to me. Had score 790. Now 600. Paying interest instead of full balance because bitcoin might go up...

are you me
I went buck wild because I had my crypto to pay the balance off
not so much anymore
now I wait

"You never count your money when you're sitting at the table"

>bragging about not being poor or bankrupt

literally just pay one credit for 7 years and you'll have a 750+

have $65k limit on three cards and usually spend less than $1000/m. its ridiculous how much credit they give you.