Credit score is 796

My credit score is like 690ish and living in a 750k house (current) hot market in a prime area - bought during the recession with an FHA loan for 175k ... I feel bad for the others in my generation just buying houses now, when the main reason I bought mine when I did was because i had a recession proof job and the news wouldn’t shut up about the exploding vacancy rates and foreclosures. The funny things is I thought I was spending too much when I first bought it.

I paid cash for my house. I just don't want to deal with the kikery and management if it all. I still have more than enough to invest and grow outside of that I don't want to have to worry about some Jewish number all the time.

lucky you to have several hundred thousand in straight cash

I turned 18 in 2009.

It goes down when you check your credit score
It goes down when you apply for finance
It goes down if you default
It goes down if you pay late
It goes up when you pay out a loan
Etc

This shits easily google-able

Is your question, why are Jews so fucking evil? That's a better question

Yea, my question is why are kikes so fucking evil that checking your score, applying for finance, and paying out a loan all fuck your score.

I was 25 when I bought my house.

I paid off $10k of credit card debt before the 18 month no-interest period ran out, and my credit score went down about 15 points right after. No negative marks, no hard pulls.
Credit is a scam.

that is some kike shit

Checking your credit score does not affect your actual credit score.

Checking your credit score counts as a negative on your credit score. I'm not even making that up. Don't worry user, you have fantastic credit and assuming you put a decent amount down on your house and pay your shit on time, within a few years your credit score will be higher than what it was to begin with. Getting credit cards with as high a limit as possible and not carrying a balance will help your credit as well as maintaining long existing credit accounts.

you probably have other hard pulls in the last 2 years.

adding another hard pull onto the other ones could have put you into a new threshold for that portion of your credit - like going from good to average.

>inb4 you haven't had any other pulls
okay, idc then

This, still kikery though

>Checking your credit score does not affect your actual credit score.
It does in America, and I would be surprised if there was Canadian legislation affecting it because it is all just three privately created and managed algorithims

the guy has no active loans = unproven credit.
it's like if you had car insurance, then didn't, then tried to get it again - why didn't you have car insurance hmm? how do they know you will drive similar to before hm?

i bet ur mom told u she was proud huh

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>all just three privately created and managed algorithims

Credit scores are the BCS. We need a credit playoff

Have you said anything anti-Semitic lately?

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>Credit scores are the BCS. We need a credit playoff
No, there are three privately owned credit reporting agencies, transunion, equifax, and experian. They all have similar, but different, privately held, and unpublished algorithims they maintain to generate a credit score for individual people. While they do tell some of the factors they look at to people in generating the scores, the actual formulas are kept secret. There is some legislation that affects them though. For example in the US they are required to give one free credit report per year per person as well as some other things.

>unpublished algorithims they maintain to generate a credit score for individual people

The BCS used unpublished algorithims they maintain to generate a ranking score for individual college football teams

The computer rankings were unpublished and part of the larger algorithm used to determine rankings or scores

I have several active loans and continue to use the credit card for almost everything. Difference is now it is paid in full each month. Far as I can tell they downgrade people who outsmart their interest scam.

You checking your creditscore doesn't. Banks checking your credit score does

I had 2 done the same day to see which mortgage place would offer me the better rate. Both gave me their top rate.

BCS just goes with who gives them the most cash money

Had a 750 forever and then checked to see if i could get a mortgage, then dropped to lower 600s because they said oh looks like you don’t have enough debt/accounts go apply for cards and loans goy yes yes goy. FUCK THAT SCAM! Saving to pay cash for a cheap(er) place with land in a different state FUCK WASHINGTON

well chief - you just gave yourself up.

multiple hard pulls within a certain time frame for the same thing can damage your credit because it looks like you can't get a favorable interest rate. same thing happened to me when i shopped around for a motorcycle, 13 points is basically meaningless and it should recover in a couple mos.

lmao this is retarded fake anecdotal "evidence"

i've been approved in both oregon and idaho within the last 12 mos with over 740 credit score. maybe you just need a student loan, some credit card debt and a boat payment goy?

Actually she made a shit comment about buying a house when everyone else was losing theirs.

>most expensive thing in your life
>we are going to punish you for shopping around

fuck the kikes

>13 points is basically meaningless and it should recover in a couple mos.
This is true. But I suspect his credit rating will go down a bit because of the loan and mortgage. Not a terrible amount because the loan is securitized with the home, but it will affect his debt to credit ratio.

Pretty sure there are ways to get preapproved without having them hard pull your credit record sounds like you messed up.

well yeah - his score would get fucking crushed when he buys a home - but he's bitching about it leading up to the home purchase - the 13 points is absolutely meaningless if he buys a home or not.

If he does - his score will drop way more than 13
If he doesn't - his score will rebound in less than 1 quarter's time

Damn, I hope there’s a recession when I’m in a position to buy

curious what were the differences in the rates? were they for the exact same loan type and loan terms?

Jews. The Answer is always jews

19yo fag here

How do you build credit without getting jewed?

One place offered me 4.5 the other offered me 4.375 so it really wasn't worth it

>One place offered me 4.5 the other offered me 4.375 so it really wasn't worth it
Something like that could be eaten up in difference in closing costs and document fees too

buy shit with a credit card, pay the credit card back every month. If they offer you another card take it.

Yea it totally wasn't worth getting it pulled twice considering how close everything was.

>closing costs and document fees too
now THIS is the real kike shit

I opened 3 bank accounts since I was 17. Only have 1 credit card which I literally never use. Credit is like 790. People who tell you to take out loans or pay with credit cards are wrong.

>I didn't get the mortgage yet. I got pre approved for one.
same fucking thing idiot

Oh another one is coming hard don't you worry.
Housing prices are even higher than 2008 and moratage debt is even more out of control than ever.
Add student debt and pension debt. WEWLAD 2020s will be a blast.

How old are you now? 18?

also request a credit line increase at least once a year - usually just takes an income entry and not a hard pull from your credit - instantly increases your % of credit uncircumcised

26

no, I don't owe anyone money yet you dumb cuck

Not bad. Not particularly impressive mind you but not bad.

Yeah, I know. Unfortunately I only got into investing and actually making money recently so still not in a position around 2020.

>. Only have 1 credit card which I literally never use. Credit is like 790. People who tell you to take out loans or pay with credit cards are wrong.

I have 6, carry balances on three.

Have over $16k in student loans

Over $9.5k in boat loan

Still between 740-760 depending who you check.

Any offer you get at 790 I will get the same offer. Everything over 720 is basically the same unless you're in real dick suck territory above 820 but you can't get there without revolving credit

>irrelevant shit
how fucking low IQ are you

this credit score shit sounds dystopian as hell.

i dont think we have it here. or maybe we do. i just paid every bill i've ever gotten on time and they let me get a mortgage and that's really the only loan you ever need

Yeah, I think there’s different ways to go about it. I never miss paying bills so that helps too. Just telling others you don’t have to use credit cards and stuff like I was told years ago.

bro you are retarded. getting a pre-approval and getting an actual mortgage aren't even remotely close. his score will drop 50+ after he signs a mortgage

Anytime your credit score gets “hard pulled” it will temporarily go down. It should go back to the same score in 30 days ceterus paribus

>Any offer you get at 790 I will get the same offer. Everything over 720 is basically the same unless you're in real dick suck territory above 820 but you can't get there without revolving credit

>mfw my dad has like an 845 credit score
>mfw one time he bought a car and was going to get a bank check and the people just told him to take the car without putting a dime down and bring the bank check whenever was convenient

well yeah if you want to be smart about it...

Pre approval just means they are willing to give you a mortgage. A mortgage is when you actually get the loan you retard

its time to stack up on cash and liqiud assets user never take out a mortage in the middle/height of a real estate bubble, of course this depends on what the real estate situation is in your area

I think it's called kangaroo score in your country

>in australia credit doesn't exist because everyone is a criminal

>>mfw one time he bought a car and was going to get a bank check and the people just told him to take the car without putting a dime down and bring the bank check whenever was convenient

literally meaningless. he signed for the car so there's no liability.

you do know that when you buy a house you can sometimes get up to 90 days without paying? same shit. the also offered me up to 90 days without paying for my boat as well but i paid on the next 15th

Same with my dad. He has a perfect score of 850. With his retirement he just pays for w/e outright. He bought his last car completely and they didn't even bother running a credit check on him.

Not cash, money market account so you don’t lose value from inflation.

I want to move out of my parents house though

He should just run off with the car then

>He bought his last car completely and they didn't even bother running a credit check on him.

Why the fuck would you run a credit check on someone who pays all upfront? Literally the stupidest fucking thing i've ever heard

Credit scores are stupid bullshit. Just ignore them. They don't really mean anything.

I had a credit score of 804 and I decided to start paying down some of the debts I'd accrued over the last 12 years (extra payments to my mortgage, extra payments to my car note, eat cheaper and put money towards my credit cards)...

Over the following year my credit score declined an average of 9 points per month, hitting a low last month at 701. There was no explanation for it. There were no derogatory marks on my credit, no late payments, my credit utilization was below 30% at the start of the year and only went lower as I paid things down, and the average age of my credit card steadily increasing month by month with no new credit checks or account openings.

This month is creeped up to 715 before tanking again two days ago to 709.

The number is meaningless. Just get out of debt so the word "credit" has no sway on your, and buy your next house in cash if you can -- in 20 years after you've paid off this one.

this is why you both are shit at life
next time do your home work low IQ apes

he'd be arrested and imprisoned for GTA in a matter of days, insurance would cover all liability to the dealer

>sweet illegal life pro tip Kevin

dont use credit cards in the first place

There is a difference between someone checking to see if they will give you a loan and how your credit score changes when you get a loan.

You are legitimately downie level retarded.

> caring about kike shit

You should stop that.

ok faggot

>insults and literally zero points offering differing position

this is why you are shit at life
next time do your homework low IQ ape

how are a pre-approval and signing a mortgage "the same" - i'd love to hear this you stupid pussy

Damn maybe scale down then and just try running off with a sandwich if they have them in your country

>dont use credit cards in the first place

stupid. you can get up to 3% cash back for free if you pay it off every time - also zero liability if your card is lost or stolen

Having a high credit score means you are well leveraged to pay your bills indefinitely. It's basically a measure of how much the globalists can still take from you without making you bankrupt.

>good goy points

depends how much you trust them to stay afloat or if you can read the signs when the bubble is about to burst and get your money out

do what you want mate dont let some random fag tell you what to do but just try to consider all options

>a sandwich if they have them in your country
excuse me. this is the earl of sandwich you are speaking with

you are under jewish mind control

Know what's even kikier? When my score went down 10-15 points after I paid off my student loans

You’re not going to lose money from money market accounts.

alls i know is i have over $80 that will be applied to my next Cabela's gun purchase whenever i get a 10% club member firearms discount next.

but yeah, I guess saving over $200 would make me a kike then.

Really? I have to say you are one ugly bastard then the 10th was way better looking though he did also fuck kids

money market accounts are complete ass my guy.

>2019 put in $10
>2030 hey guys my purchasing power on this account is still $10 in 2019 monies

fucking neat bro

Not necessarily. In order to trick people into taking on debts, Jews created incentives that pale in comparison to the potential losses resulting from their traps. But if you can avoid the traps, you can game the system and steal from the Jews. Many would say it's not worth the risk, though. Last year I paid 0 in interest (I did have credit card debt but did a 0%-for-12-months transfer to start rapidly paying it down, and I've now paid it to zero) but from credit card rewards I made roughly $600

It's not that much money (maybe a week's pay) but it's still free money

They’re an alternative to a savings account not investments or a retirement fund.

>you can game the system and steal from the Jews

This

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You can't buy a house without established credit so I know you're a fucking retard.
Unless you're making 100k and can easily pay it back (which what's the point of even taking a loan our then).

Cars are a form of long term credit that is taken into account completely separate from credit cards.

Also you can't even get above a 780 credit score without having open and closed accounts. Which is a major portion of your credit score.

I have 3 open accounts and 15 closed accounts.
I have 100% on time payment
These two factors are the largest portions considered for a credit score.
After that length of credit history and income to debt ratio.
After that there are less important factors that are strongly required to get that 800+ credit score.

So you saying you have 1 credit card and a 790 is quite obviously a lie.
You've obviously had more than one line of credit.