Tell Jow Forums your FICO score and we will tell you which battle station you can afford

It says 749. I don't really make any money though so how do they come up with that?

Your limit...

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737. Waiting 'til I hit 930 so I can afford Intlel.

you got the prebuilt part right, however i went with the Puget Solidworks rendering station with the Quadro p5000.

My equifax score is 77

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Not entirely sure how this translates into a FICO score, as it's out of 700 and the boundaries are different. Have no idea how it's not completely shit, as I default on shit all the time and just ignore letters. Guess the UK isn't as serious about good goy points as the US.

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I'm something like excellent because I have never had a loan and thus never missed a loan and have never missed a payment on my credit card which is always paid off at the end of the month.

>Credit card
Lmao, just get a debit card

do tell

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Woo-hoo! Paying off student loans is easy when you get a full scholarship to college.

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>Fico in charge of your credit score

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How do I view this

750

I don't even have a credit card

hold on a second, is this a real thing somewhere in amerimuttland? do they really have literally good goy points?

I have 0 debt, make about 300-450 a week, my rig is a dell t5500 with two x5690s and a gtx 1080

I thought it was a meme that most of Jow Forums were poor and didn't have jobs in tech. Guess it's true.

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>cannot go past question #2

I don't have a credit card, i don't have debts and i don't have credits. Jesus christ the sole notion of paying with a "credit" is foreign to me.

Second question about loan kek
American life must be sad, loan is for poor people.

Waiting for bonuses to drop in march so i can buy a new rig. Wut wut

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Okay, this is epic

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Non-burger here.
What the fuck is a FICO?

an actual good goy score
higher score = you're more profitable

Impressive. Very nice.

STOP ANSWERING THESE THREADS

THIS IS LITERAL ACTUAL DATA MINING

HE'S POSTING THIS SHIT ON EVERY BOARD

mining for (you)'s perhaps

Im 32 and i dont even have a Credit card nor have a credit score

And i work at Equifax, you kids are just getting scammed

>bragging about having 750+ good boy points

lmao, bragging about your credit score is like bragging about being able to feed yourself. Are you not drowning in debt? Then you have a 750+. Congratulations for not being up to debt to your eyeballs.

Only thing you might need credit score for is a mortgage, which once you have the score is literally meaningless. Everything else, car loans, credit card interest, etc. is all debt cuck shit you should never do anyway.

A car is a necessity though. Nobody wants to buy an old piece of junk, which is why people take out loans for new cars.

I didn’t choose to be born into a low income family, but I did choose to work hard for the things I wanted. Richfags that have daddies money will never understand the struggle and joy of building yourself from the ground up.

It is likely Jow Forums management collecting information for ad sales.

730

No shit, which is why banks offer car loans to make money off those suckers.

The only reason to get a car loan is if you get a discount and then pay the loan off immediately so you pay no interest.

Otherwise there is zero reason to have a car loan besides being a debt cuck who wants to drive a car you can't afford.

Hm, what happens if I have no credit but lots of capital?

>shit credit score
>rewarded with quality CRT
reeee

Damn I got cucked
778 according to TransUnion

Being worried about credit scores.
Getting your worth judged by an automated system.
Sometimes I wonder how the fuck do you remember to breathe!

>creditlets
I have pretty good credit but I'm still a poorfag because college student. Literally cannot work the hours.

A number between 300 and 850. It measures how trustworthy you are with credit. If you pay your bills off on time, don't max out your cards, etc, your score will increase. Lower score means higher interest rates on loans, some places won't rent an apartment to you, shittier credit card terms, things like that.

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i buy everything with credit

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Never had a credit card kek

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Giving your info to be data mined to get an inaccurate credit score.

Aren't you people supposed to be paranoid about this sort of thing?

790

Having a credit score means you should stop buying shit that's unessential to your life.

#Ramsey4Prez

821

I'm afraid I can't do that, mr. Noseberg. I never used a credit in my entire life and not planning to.

>t. 95 civic owner
Bought a 08 Lexus is350 for $10k as a commuter so I could build credit, really helped when I applied for an apartment, also helped my gfs interest rate on her Beamer when I co-signed

>having a credit score
dumb goy

I only have a credit card because you need a credit score these days to rent an apartment or get a loan, and I only use it to pay bills or for the occasional online purchase. Everything else I pay for with cash.

Poorfag here. I'm just extremely anal about making payments on time and not buying things I cannot afford to pay off in a few months. Thinking about upgrading my motherboard and CPU. I have an i5 6600k, so I probably won't upgrade though.

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>to rent an apartment or get a loan,

1) no you don't
2) don't get a loan.

Been eyeballing the RTX 2080. Opinions?

Check 'em

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NEET still living with mommy and daddy detected.

So you got in debt so you could drive a luxury car you couldn't afford, and that helped you rent a cuckshed you couldn't afford to own and helped you get in even more in debt helping your gf buy a luxury car you couldn't afford? Lmao.

1) yes you do, unless you're fine with living the ghettoest conditions
2) unless you're in the top 10% of income earners, you need to get a loan to buy a house, otherwise you face years of living in an apartment while saving, in which case you need a credit score.

Debt free December 1st

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What happened?

>770 due to "Too few accounts currently paid as agreed" and "Lack of recent installment loan information"
>buy a car and only put half down because of a low interest rate meaning investments are better and to build credit by covering those two things
>drops to 715 due to "Proportion of loan balances to loan amounts is too high"
What the fuck do they want from me?

Payday loans, phone contracts and being made redundant trying to pay them off

You’re only meant to use 30% of total available credit doofus.

Over how many years? Is it even worth trying to fix that? What do you intend to do once it's fixed?

It's a car loan not a credit card. Are you saying I should have tried to get "available credit" of 100k?

Why the fuck does this thread seem so dystopian?

How long ago did you get the loan?

You're on a board where 90% of the posters define themselves by what brand of graphics card or smartphone they own, what were you expecting?

Only 3 months ago. I'm sure it will go back up as I pay it off. I'm just ranting that it's retarded for them to beg me to open more lines of credit then bitch that my brand new loan has the same balance it didn't when I got it.

Because China has a good boy points system that’s basically like this. Your score on their system gets you benefits.

Uh my last one was 2015.
It will repair eventually. There are credit cards I can get for bad credit in the future.
I already have two credit building plans in place as well

In 12 months I should hopefully be at the top end of poor.

People here are bragging about being the most obedient debt cuck.

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It's basically

>middle class and rich NPCs bragging about how they're such good goys
and
>poorfags whose lives are eternally JUSTed by the (((credit system)))

Exactly that, you’ll probably go back up to your 770 about halfway in, might get close to 800 when the account Is closed.
But yes, the more lines of credit you have the better your score as long as it’s under 30% utilisation across your accounts. Welcome to debt slavery land.

Good luck.

How did you get above 800? I've had an account for about 10 years and my credit limit is something redic like 30k, still I can't get above 800. You got a mortgage?

649
Made some stupid mistakes the past year or so, could never hit above average anyways.
I guess this is ok for a 22 year old

sad bunch really

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Thanks mate.
I have a prepaid card which I’ve setup to report my £9.95 monthly fee to credit agencies (basically a £119.40 loan over 12 months but 0% apr and I never see the money) and a saving scheme which I pay £50 over 12 months into which is reported as well, and at the end I can either pay £30 to take the money into my account, or open an savings account with one of their partners so I get all the money and they get their commission.
The two services are Creditbuilder by APS and Loqbox.

Anything above 740 is treated the same, as in the case of mortgages, you get no points if you are above 740. Two identical applicants, except one with 740 and the other with 850 will get the exact same interest rate on a mortgage. And that rate is primarily based on income to debt ratio, stability of income.

Yes, a lot of upper middle class people won't have 800+ score because they don't use credit except for a couple credit cards. But again, you don't need anything higher than a 740. Very rich people might have 800+ just because they might but a ton on credit cards, or they might actually have bad scores because they never use credit.

Anyone who paid their bills on at least one credit card for a few years will have above a 740, so don't worry about the credit score, just make sure its accurate and doesn't show you missed payments when you didn't.

I don't even know what's a FICO

Do you know what Google is?

no

What are credit scores