What's your credit score?

808

730, I took a hit because I missed my student loan payment when it got sold to someone else and the check went to the wrong place. Since it was technically 4 different loans, it looked like 4 late payments and destroyed my credit.

Currently, I have no debt and will never borrow money again. Now I buy everything outright. Fuck usury.

>being below 800
>feelsbadman.png

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Ok, not bad

but if you have been stuck at that range for a long time, that would indicate that somewhere in the last 7 years you've had a serious delinquency.....or you don't have a home or auto loan.

Which is it?

>NEET with no bank account

Pretty much this. Time to ruin my score by defaulting on a huge fatty loan to go all in on crypto LMAO

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the credit karma vantage scores always seem to be a lot lower than the fico scores that actually get used.

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I don't have one, apparently. Which sucks because I have good income and a down payment saved for a mortgage but cant get a home loan unless I'm already in debt.

I understand why banks would want some history to show that I can pay my bills like a good boy, but Jesus the risk goes both ways with a mortgage, with the capital I'm putting up of course I'm not planning on defaulting on it. Income and assets should be enough, why do they really that I should have and use a credit card? Until this home loan (which I can't get) I've always just lived within my means.

>thinking a credit score requires debt

Don't even care with NEXO. Credit scores are rendered useless with companies that offer credit lines based on your own assets. With the first crypto credit card coming out, credit scores will go by the wayside.

help meeee

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Doesn't it? Debt like getting and making purchases with a credit card, I mean. How else do you have a credit score without debt?

I don't have a credit card. Mommy lets me use hers as long as can have her way with me.

Good goyim

Bad goy! Very, very bad! No loans for you!

loooooooooooooooooooooooool

FICO 8: 765
VantageScore 3.0: 805
Creditwise: 805
FICO 9: 825
FICO (version unknown, probably 9): 825

Overall bretty good. My main issue is age of accounts.

You can open credit cards (revolving accounts) and pay them off every month. I use mine as a debit card that comes with rewards.
What the hell did you do? Declare bankruptcy?

probably went delinquent on multiple credit cards simultaneously

Had access to a lot of loans as a STEM college students and had a locked in job offer 100k+.

Got knocked out in a car accident, was hospitalizedl during finals and failed the delayed exams which got me kicked out.

Can't find a job ever since, applying for the army next week.

>failed the delayed exams
kek

type all you want blaming the car accident and how god fucked you in the ass you were never going to pass the exams anyway.

here is a better one "I was too stupid to complete my career which got me kicked out"

Credit score is the most jewish thing ever invented
We might have other problems, but I am so fucking happy there is little of that credit building bs in Europe

I have 10000 chainlink tokens

I knew I wasn't the smartest by any mean. I was and still am amazed by the raw intellect of many students I was in class with.

Realistically, destabilizing my schedule was a great disturbance on my performance. I couldn't adapt and was eliminated.

I'm simply trying to rebuild. I don't get why people misery makes you laugh. You have a lot issues.

What's a long time? I've probably only had a credit card for 5 yea--
>or you don't have a home or auto loan
Oh. Yeah I don't have those and hope I never need them. Though I probably will eventually need a mortgage since paying off a home in a lump sum seems unlikely. I just don't see myself having that kind of money.

I plan on doing this, is it a bad idea? Other than renting an apartment why does my credit score matter?

My score is 794. I rarely use my credit card and when I do I have automatic payments set up to pay off the balance in full every month. IDGAF about it my credit score aside from maybe it coming into play if I need a mortgage someday. Otherwise you're just a chump if you need credit to buy normal shit.

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790, was 800 but I wasn't using it enough I guess

Was excellent, but took a big hit to pay for my dog's surgery bills after his dumbass escaped from the backyard then got ran over. He's fine now, but my credit score is "fair" until I finish paying off that shit.

I'm 488. You got me beat. Damn.

It doesn't matter. Some employers will pull it but even then its not usually disqualifying, and if you're really dropping out of the rigged game not being a wageslave is critical.

is this some poor people's joke? because I dont get it?
or is this some murican jew thing

So why are people itt bragging about their high scores