This triggers the niggers

>needs work

675 needs work. What you got is a plot of land in the middle of the woods.

It's called leverage user. If I have good credit I can get a low interest loan, and put my cash into investments with a higher interest rate.

Nah. I see much bigger turn arounds all the time.

Isn't it 30-35% of credit limit?

His goyim score

I’ve been looking at secured credit cards. Might consider it.

Wtf dude pay debnts

underrated

My credit is 680, am I a nigger

Really that easy? I been doing cash up until 28 years old...I bought a new car just because i can afford it but my advisor said it was the fastest to grow credit...its been 2 years and its only at 600

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Rookie numbers.
You need to pump them up.

Yes, I'm living proof... I have two credit cards that went into collections. I was being sued for one and actively called for the other. I paid them off eventually and was able to raise my credit score to 735 for transunion and 679 for equifax.

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I have a credit score of about 750. Is it wise to hit up a credit union for a $4,000 loan to pay off some minor debts so I don't get hit with interest? Will my score increase by doing this?

Don't invest loans brainlet

Credit scores are so inflated now that 800 just feels like the minimum of where any responsible adult should be. I went a little overboard on my xmas shopping and have carried a larger balance than usual for a little bit after. All paid off now but I've been hovering at 797 for 3 months and it's pissing me off!

Under 10% of credit utilization is best, under 30% is good, over 30% is bad.

This should be a prove your white thread

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>mfw 307
Why can't I just fucking die

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The jews love me.

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>Being proud of your proto-Chinese social credit score
Fag.

good idea, get a card with 1%-5% cash back
scorelet detected

Of course.. It's always better to consolidate at lower interest when you can.

I've got over 800 credit score because I fell for the "buy a house" meme :^)

>Look at this number I got by giving exorbitant amounts of money to the Jew through Usury
Stupid motherfuckers.

is this the chinese social score ive heard about? anyway, if it keeps niggers poor, fine

I did that without a house. Maybe I should get one. Markets meh. Maybe I should get a boat. Houseboat?

Literally how the fuck?i know people that have been repoed, and defaulted in multiple accounts and they still manage to fix their shit and hover around the 600s. Wtf did u do you nigger

Jewish credit worthiness score

Kekisimo

>770

You're trying to convince me you're not a nigger, how?

Why is a house a meme?

Pay that mortgage off and then you and your heirs will never be homeless again. A min wage part time job is more than able to pay property taxes. And if you get a second property, you can rent it out and have some other slob pay your upkeep.

Property was, is, and will be the best use of capital.

Redpill a European on credit scores, please

White person here. FICO is 816

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His credit is not repaired

Not a Lannister.

>bragging about good goy points
>on Jow Forums of all places

Keep thinking that a kite score matters white boi

Quicksilver, amirite

It goes up if you use credit and pay it back on time?

I have 15k in credit card debt

so what, credit cards give you a score based on ... something then that limits how much debt you can go into? I don't really get it, what purpose does this serve? It doesn't sound like you can get enough "debt credit" to start up a business or something and you'd be insane to go into debt over consumer products, so why?

>Credit scores
how does it work?

I win

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Do I win anything?

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House, credit cards, auto loans. 300-850

Never mind I don't win

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Based and redpilled

see

>? I don't really get it, what purpose does this serve?
Babbys first finance lesson. It's a measure of "credit worthiness". The higher your score, the more confident the jews are that they can make money off loaning you some cash.

Wtf are you15

I cry everyday I need 40 points I have 12 credit cards and 0 debt plus 10k on savings

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>>get a second property, you can rent it out

Kyke confirmed

How bad is 720? My credit hovers from between 690 and 720, depending on how big the balance is on my one credit card.

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Thanks, babushka

Just bought my second home not long ago, Experian had me at an 805

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But...But... Muh dick

no, i mooch off milfs i fuck

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You're literally a nigger

>owning/using credit cards
Yikes, why don't you just let the kikes fuck your wife too?

Anything above 700 is pretty good. Over 750 and you are really really good

I'm 30 and have never owned a credit card, or taken out a loan of any kind.
>AMA

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What’s your credit score?

It's interesting to see how it drops by just changing spending habits slightly. I don't check it all that often but I don't think it hasn't been below 800 in 2 years. 2 months ago I spent a couple thousand more than usual buying parts for my bike and it dropped my score a bit.

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No credit score here. When checked it says N/A. I deal with cash only so a credit score means nothing to me. I can't believe how many people still fall for this shit.

honorary nigger

Debt-free homeowner here, and staying that way. Couldn't give two fucks what my credit score is. Eat that niggers.

>Touching cash, coins

No thanks, I don't like nigger asscrack in my hands

Nigger here a genius, or a fuckin idiot

You will need credit if you want to finance a house.

NEETs need not apply.

Step your game up.

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690 Transunion, 690 Equifax and FICO of 690 reporting

Could be better could be worse

Get a car, you can't race a house
It cost about 70k, single family home. I like to meme on it but I'm not that bad off for 17 dollars an hour. I work enough overtime and on call to triple my pay, like a good wagie. I've probably spent 15k on it so far and I'm still not done. Bought it from (((boomers))) who ran it to the ground, I had to strip it down to studs and rebuild everything.. power, water, insulation.. they bought it for 20k in 1992 and sold it to me for 70k :^)

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i work 50-70 hours a week, I'm no NEET tho i wish I was

But you are a nigger. Credit karma scores are always 100pts higher than in reality. If you werent a nigger you would get a proper FICO score with your bank for free. Meaning you probably dont even have a checkings account or real assets. Nigga btw Im mexican so you should feel bad. 720 is barely good if you make more than 42k and have a debt to income ratio of less than 30% debt with no delinquencies you should have at least a 780 to mid 800s. Also if you dont have a transunion score it means youre a nigger because you dont own property. Again how do you fail to be less successful than a mexibro?

why such a big difference between equifux and trannyunion

Good, goyim.

Amen brother.

I would have to look at your individual situation to see what's going on and the best course for you. Any credit cards? Charged off accounts?

>banks shilling to keep the debt slave goy pyramid scheme propped up
yikes

It depends where you live. Some rural areas home are cheap as shit. I live outside of Washington DC, and a decent single family home starts around 500k and goes up. Few people are going to be able to pay that in cash, so I depend on having a good credit score.

#MeToo

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>literal good goy points

I’m gonna kill myself today because of this thread

Goodbye

No you fucking brainlet that's not what I meant. If you have 20k in cash and want to buy a car, finance the car at 3% and invest the cash into a fixed annuity at 6%

How do you deal with the loneliness?

Look at all those good goy points you’ve earned.

don't do it man, seriously, stay alive