Just turned 25 how do I stack up against millennial counterparts

user, I...

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you two must have literally no history.

If you have utility and phone bills in your name and/or have a credit card, you have a credit score.

Not necessarily. Only some phone companies and utilities report. I worked in collections as a first job out of college and I pulled lots of peoples bureaus.

Nothing more pitiful than a creditcuck.
"gotta borrow money at high interest and build good credit so you can borrow more money later a slightly lower interest"

I've never taken out a loan other than student financing. Credit score is above 800. I just applied for a credit card at 18 and used it for everything, paying off every month so no interest accrued.

Great job but now it's diminishing returns

Not bad. but not super top tier. 26 here.

Honestly though, anything above 750 is goid enough for most creditors, 800 is a tad unrealistic for most people and requires you to be a good goy.

Im 42 and my score bounces around 800. I have a mortgage but no other debt.

BoA or JPM are the go too for many.

funds are safu

if you dont mind me asking, cause i am a stupid zoomer, what is it that makes them better. I was reading them up since you posted that. JPM sounds pretty nice but what are the serious benefits?

(((credit)))

seconding this question

Age 28
766

Had it at 701 and it RANDOMLY went down 15 points for literally no fucking reason. 24 btw

I dropped like 38 fucking points because my account got 4 Hard inquiries in like a month. Wtf does that mean?

Also, the reason it's this old is mostly because I was always given shit advice from my parents and my mother told me to open an account with her so I made a new one a yr ago and it being new hurts your credit score. Fucking shit

means you are both idiots then

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>he doesn't know how profitable the application of leverage is

>he doesn't funnel his expenses through a good points/cash back card

the interest you pay when your young to build your credit pales in comparison to the benefit of having good credit. buying one (1) house with good credit justifies whatever bullshit you payed on your first car.

i guess if you don't like money, having shitty credit is fine.

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kys fehgey boy

now take a look at this insecurity evolve

803 for the last couple years. I'm 30 now