Litterally never missed a payment

defaulted on 40k of debt only paid back around 10k and got the rest wrote off,

time has passed, new credit card acquired never missed a payment

goyscore is now excellent

time to do it all again

I had a small loan I took out to make some home improvements with no interest if I paid it off in 18 months. I ended up making extra payments and paid it off early and it dropped my credit score 10 points. I thought it would raise my credit score but I was wrong.

775 here, about to pay off my student loans which I think causes it to drop

I was the opposite. Never paid on time, told a few companies to fuck off when then presented me a bill. Even fought my government over returning money they paid me during covid.

I inherited a ton of money when a family member passed away recently and now my bank wants to give me 100k line of credit. This world is a big, gay joke.

Credit score is the biggest scam out there. All that matters is how much cash you take in across all cash accounts linked to your ID vs how much you have borrowed across all your CCs. The only way to bump up your credit score is to turn over more cash. Once (((they))) see some spare cash sitting on your accounts they will bump up your score in no time. I'm talking six figures cash here, apart from your house deposit. At that point, no one gives a fuck how many times you repaid your goycard in full.

Bank trannies seething ignoring this post because it's right. The stability of the bank is the only value it provides.

imagine living in a country where credit score is a thing

My credit score is 601 and I'm a meet who purposely avoids paying all bills that's not for PlayStation plus.

It usually tells you why.

You kind of need one to buy a house here, bro.

A home loan requires some type of credit history, as a loan is given on the agreement of repayment. That or a sizeable down-payment with proof of employment.

If you're really good at negotiating though, you can get mortgages at rates as low as 1 - 3%. :)

and no i'm not a kike btw

what else did you learn about

You can negotiate rates. If your goy score is low because you don't use a lot of credit, just turn down their rate offer and point that out. They will offer you a better rate.

buying an U.S. house in 2025

Hm... Why do you think they'd let you have 1-3% mortgage rates, ameribro? I dont wanna spoil it for you

if youre not using SOME amount of credit, for any stretch of time, theyll bump you down.
to (((encourage business)))
yeah, it should probably be illegal. GL pissing on THAT 3rd rail tho

how do the jews decide what interest to charge you Mr. Finn

You kind of need one to buy a house here

I know.

lol based

Be happy n-ni-nigger, this is freedom UwU

If you want a higher credit score you need to take on lots of different types of debt. You can still pay it off regularly but you have to demonstrate that you can be responsible with a wide variety of different forms of debt. Instead of one credit card try getting three.

Debt to credit limit ratio.
Stop carrying a high balance or increase your limit drastically.

Thank you for your service

It's not that difficult that get your score up, it's basically a test of intelligence

Payment history, pay your shit on time
Age of oldest credit line
Credit usage, around 10% is good
Available credit
New accounts, don't open too many accounts within a year

teach me your secrets

609

Good

Because one of the factors is length of credit. Your car loan was your longest length, so once it fell off, your score decreased. Next time get a 48 month loan and not 144.

actually i am getting offering of nazi memorabilia on shopee.
but i never bought and neither look at anything nazi related.
it appears, jews are crosslinking our genetic code to label white people as nazi.
this is why your credit score WILL NEVER RISE because jews cannot allow you to have enough money for projects.

I'm almost at 800 just get a credit card or two and pay for everything with them and keep like 10 dollars unpaid.

My dog went to the vet and I had to put $1500 on a credit card, my score went down like 30 points despite me playing on time.
Credit scores are bullshit. Why do credit cards exist if you get knocked in your score for using them

Mine is about 150. I debt maxed the day I was 18 (a LONG time ago) because I was aware I didn't want any part of that jewishness. My Grandfather (pbuh) drummed into from an early age that debt, credit and interest are a fools game and you're an idiot if you partake - I lived by that ever since. Saying that my birds is as close to perfect as possible, 98x I think. I've made sure hers is good just in case, not by way of interest of course, but just by putting all the bills through her accounts - just in case it's ever necessary.

Get on my level faggots.

Are you poor?

Only ever went into overdraft because bank jews lied to me about how much money I had in my account

it goes down when you check it

Kek mines 710 and ive been over my credit limit for like 9 months

they use EURIBOR as a reference and then adjust it a bit according to your payment ability (they look at your income and adjust it accordingly)
I think.

As long as any incompetent corrupt piece of shit corporation can negatively affect your scores it's total bullshit.
Amerihome - shady, corrupt, incompetent
ADT Security - extremely shady, extremely corrupt, incompetent
I can't wait for the world to come.

I used to be like that, then I saw my brother defaulted on his credit card debt. A few months after doing so they started sending him offers to settle for a fraction of the debt. I thought they would try to garnish your wages first but apparently not, the debt is like $20k, maybe if it was higher? I was over here paying card bills like a fool

Checking your own score is a soft pull which doesn't affect the score. A lot of hard pulls from applying for credit can lower it but not by much.

As long as any incompetent corrupt piece of shit corporation can negatively affect your scores it's total bullshit.

and thats the beginning and end of it
it shouldnt be legal, and it probably already isnt

Damn bro, I just got out of prison and have like 7 accounts in collections, owe about $25k in loans and I just got a $300 card and my scored jumped to 625. You doing something wrong

guess I'm a good goy, though they've never made interest off me

It's literally just a faggot score. The system knows that none of you will ever rock the societal boat in anyway shape or form, you'll accept the shafting and surrender when told to do so. Hardly surprising mutts have such good scores despite being liabilities when you view it like this.

Easiest hack for that is to just have a credit card. You can keep it open forever. Use it at least once a month and they (probably) won't close it on you.

needs a loan for a car

wonders why he doesn't have perfect credit score

no way

Welcome to non retard the club, I've never paid a single interest payment on a credit card and paid my home off of 15y loan in less than 5years

803 score here, when I go to get a car, house, boat, etc.. i am treated like the hot chad at the party. You? keep renting and riding a bike, make sure to be in your flat before sundown.

goyim score

you answered your own question, you let Jews live among you.

This. All you have to do to defeat the credit jew is route all of your rewards points to your 401k and use the credit card for nearly everything and pay it off immediately. You will never pay interest and jews will start knocking on your door trying to get you to fall for some other scam because they hate when Goys like myself figure this out and I become a net loss to them.

Takes pride in being a domesticated faggot

Literally exactly my point, you moron. Kek

Goyim score still goes down

it goes down because you don't in-debt yourself enough
goyim score is a retarded jewish ploy to make you foerver penniless

Credit cards

and what kind of retard would be using those instaed of debit cards?

unironically, you need to get more credit cards. you can easily get 800 without installment loans.

Polackland doesn't have cash back, America does.

I can't play the game so ill just say everyone that is successful is a faggot

good luck with that, getting a curry take away again today?

Mine's 177 but it used to be 680 just November last year. Then I moved my main source of income outside of bongland jurisdiction and realised that now that I don't have any clean cash flowing into my UK bank accounts, my credit score will shrink too. So I right away debtmaxxed across all card deals and loans imaginable and the total £££ came to over £200k! Which I've successfully reinvested and never planning to pay back. I could just leave the country for good but I'll probably file bankruptcy and wait out 5 years before returning, the plan's to enjoy the show as this shithole burns. My income's in 6 figures anyways but it has nothing to do with united kondom.

route all of your rewards points to your 401k

Hmm I've not been doing this, I'm going to look into it right now. I usually just let them build up for a few years and buy somthing nice for myself... But this sounds much nicer since I dont CONSOOOOM a whole lot.

You do realize that cash back is the same shit as casinos giving you free drinks? You're paying to play, they're just throwing some change at you to keep you happy.

That isn't true though, I've paid back my card the moment the charges show up on it for years and it's never gone down aside how it's meant to work.

buy something with it

it has a balance now, goes down

pay off balance, it goes up several points higher than where it originally was

You are leaving out the part where you haven't paid your student loans or something. It's kike nonsense but it is not hard to understand or take advantage of, I'm only barely in my 30s and I'm at 798.

780 here, it goes up it goes down, don't stress it. In another month it will be up 7 points and then up another 5 the next month.

You can get rewards without paying a penny in interest or fees. You are essentially paying a few percent less each purchase by being responsible and paying your bill on time.

Paid off my car loan early

FOUND
THE
PROBLEM!!!!!!!!!!!!
Get a mortgage and watch your score go back up.

Bought car with down payment on credit card

Payed all but $120

Get charged $13 interest

Go to CASH BACK REWARDS feature and pull $200

Never get charged interest again

I had fun with it

Yes, but the key is I don't spend money to get cash back, I spend nothing more that I normally would its not a reward to me and doesnt incentivise my spending cause I'm not a golem.

Gitgud

Mine is 813 with a financed car loan, $70,000 on my credit lines, $18,000 on my credit card and $89,000 left on my mortgage. But I’ve never missed an interest payment and I pay down principle a bit every month too.

I waste a lot of money but since I make all my interest payments on time my credit score goes up, because they know they are going to make money off of me.

Pretty dumb really, that someone as financially irresponsible as me could have a credit score over 800.

No it's ostensibly a fiscal responsibility score. As in, you pay people what they are owed = score goes up, you don't pay on time = score goes down.
Obviously that's only like 50% of the picture, the other 50% is where the jewish pain begins. But youre likening it to a social credit score. That's coming but not here yet.

I jew the jews by scamming welcome bonuses. I have 300k points right now and have a method to redeem them in an extremely lucrative fashion. They don't know how badly they have lost by giving me these points

It helps you get closer to your yearly max contribution. Nothing sticks it to the jews more than using their own usury tricks to fund your retirement. They know about this trick and tell it to other jews. They know most goy cattle dont figure this out,fuck up, and pay interest. The amount of morons in the world make it very profitable despite these tricks.

Mutts can't fathom living independently from a jewish system

My point again, you're the fish that doesn't know it lives in the sea.

Absolutely based. Threaten violence against any private debt collection companies and ignore any CCJs before you declare bankruptcy if It comes to that. God speed, anon.

we do
but nothing's for free. It's designed to pull money out of you

It's kind of like social credit, but it's just not, ok!

Ok, anon, keep coping.

I've never had any jew loans, my score has been 810 since I was 22.

micromanaging a jewish game is fun

I don't know what this score is.

I just eat, work a bit and sleep, what's the point of that score?

credit cards are a lot better to protect you from fraud. i get that youre a third worlder so you dont fuklly understand how things work. if you did you would be as welathy and powerful as americans but i take issue of you calling someone doing something in a better way than you a retard. the delusion of you non americans sometimes amuses me and sometimes angers me since its unreal how ignorant and naive you subhumans are. Its like a nigger claiming to be superior to some 140 IQ east asian.

I've successfully reinvested and never planning to pay back. I could just leave the country

and how will you prevent banks from taking over your investment?

In the UK and other rich good countries, people working doesn't make enough to live in peace, they need play some Jewish games to not be kicked to the streets.

Why do you care about that shit?

Credit card is more like a "get out of jail free" card. I put this month's payments on the card and pay off next month. I even account for things I want but it's mostly to protect from things I hate like property taxes or small issues that pop up. Credit cards are also better for protection and can be shutdown easy unlike a debit card which are impossible to protect. I get fringe benefits from my card like points and a credit score.

If you're not a retard then you don't have to worry about being defrauded.

what can you know about intelligence, you anglo negro mutt hybrid, lmao

Calls people retards

Can only use full stops when structuring sentences

Kek. American exceptionalism at its finest.

I used Three for internet and they gave me speeds like 20x less than advertised for this shit hot spot device. After lots of calls to Indians and emails explaining they didnt provided what they advertised, I stopped paying and they filled a default which is meant to affect credit rating til 2030. Im disputing it but fuck society basically.

tfw hospital billed me $80 more than it should be

just ignored the bill and never paid it

You don't use the rewards to justify spending more, you pay daily living expenses you can't get out of with your cc.

Try saying nicer things online about God's chosen people and it will rise.

Slanty eyed slav-mongol hybrid

:/

The best way to use a credit card is to autopay your utilities with it every month and pay off the principal immediately before you incur interest. Your credit score goes up for free.

i would bet my life that you don't own a house

pay at a store. clerk take a quick pic of your card or sees it later in the security cameras. uses your card number abnonymously to buy shit. how am i retarded for this? do you have some sort of untraceable debit card or some shit?(you dont its a rhetorical question)

Now seriously, do you guys still use credit card to pay for stuff? Isn't it a bit ancient and shitty, the US is not in Africa you know.

pay for some regular expense with credit

set it to autopay

get free money

There's literally 0 reason not to do this. One of my cards has like 5% back at restaurants, so if I go out to eat, I use the card.

mongol

I'm not really micromanaging anything I use my card to purchase almost everything that I normally would including paying my bills as long as they dont push the credit card fees onto me and I have never paid any interest... whats the game pollackbro is it some 4d chess I dont understand?

Why are they so scared of streets?

exactly

im a spic/jew hybrid. and my net worth is larger than your whole "village's" income. Reality definitelly points to my nation having way more intelligent peoplethan yours. are poles moving to the USA or are americans moving to pooland?

yea, we get it, you're some rich maverick that pays cash for everything and not even in the system, a spending spectre.

For mortgage it’s a combination of duration of the loan and relative amount compared to the value of the house. E.g. €400k mortgage for €510k house for 10 years would probably be around 3,6%/yr

i militarily occupy your families nation.... let that SINK in.

They can't do shit without the CVV number which is on the underside.

Mr Noseberg's most loyal goy reporting in

I don't know how it compares with India, but there's a lot of people living out in the cold, without afford to eat, to warm themselves and to protect themselves against random violence in the US and the UK. It's very tragic.

Also, it's legal in the US for credit card companies to punish stores and companies who offer discount for people not paying with credit cards, since there's no fee.

I use the points to offset a parking ticket and property tax bill. I use tax returns to get back more money they took. Taxes steal from me, I use the reward points to take it back.

nah you can game it pretty effectively actually
and they WANT you to since it encourages more borrowing, which is their whole crop theyre selling in the first place

The god of good credit smiles upon you this day with those digits. (unless you are Chinese and then 4 is bad luck)

omg the clerk has a small little camera under the receptacle since hes trying to get your cards info and hes prepared

... there you go. i know youre just trying to get some sort of W here but you just look like the average europoor that doesnt understand reality or something. it must be an allegory of the cave situation that since youve all been slaves for thousands of years, literally. that you see wealth and freedom as hostile and it angers you. you bow down to some king that steals your shit at will,lol. thats what your father leaves you.

If I start a credit score account, what's the key to keep it 1000?

credit does not matter if you have cold hard cash. if you're having trouble with finding an apartment offer a year's rent up front.

How do I get a better score if there's nothing I want to fucking buy, I have all my essentials. I don't like being in debt and I don't get much thrill out of spending money. The only thing I can think is to vacation but that seems retarded. Do I really just have to act retarded?

Credit score sounds like a matrix stuff, why can't you just be carefree?

property tax bill. I use tax returns to get back more money they took. Taxes steal from me, I use the reward points to take it back.

Yep I do that as well if my county is going to eat the fees when I pay property taxes you bet I pay with the credit card that gives me points and get cash back from the scheming.

If you have a business and need a physical location they will run your credit unless you have enough cash to buy a multi million dollar commercial building.

What made you think I invested in bongland? All my assets are 'headless' in that sense, so can be detached and moved to a different jurisdiction with insignificant losses. Imagine doing things any differently after what (((they))) tried on Russia in 2022. And imagine having any assets in Butthurt Belt in 2025 lmfao.

Why are you making up bullshit scenarios? Okay that could happen but I don't ever use it in a place that would.

I really hate usury.

You probably just need to raise your debt ceiling. I was like that too. Literally get another card or two or ask for increased credit limit on your current card. You don't need to actually spend more money or anything on your card(s) you just need more potential debt and this will be fixed.

Looks like the guy's credit score that tried to buy my house last year FHA. Of course, the deal fell through but not after we had to purchase agreement on another house and had to cancel I'd still like to kill that son of a bitch. And come to find out his address was a self storage site. I wish the bank would have checked that bastard's credit a little better.
No, you niggers need credit scores. Like I want to do business with somebody that's never bothered to pay a bill before.

complains about the Paki/Jeet version of the social credit score

The biggest drop I see is 3 points once a year when my home insurance payment shows up on a CC.

He just did

once you start understanding money you can make wealth out of the credit. ill give you an example of what i mean. Last car i bought i got with a loan but a zero percent loan that only charges interest if you miss payments. i got the longest loan possible on purpose(this is important) so that the payments will be lower but for a longer period of time. now every month i make my payments im paying the exact same amount i did since month 1 which is only 344.00 dollars. 344 dollars has like 33 percent less value than it did those years ago when i got the car... so im paying that 33 percent(estimate) less every month and it will be even cheaper next month since inflation just goes up and up. i can make 344 dollars 33 percent easier now but im still paying the same original amount... the average person does not even know something so basic. Their parents never really loved them and taught them this shit like my jew father did. they just wanted to be their kids friend or boss, not their parents and guides. Of course at the end of the day its my fault because im able to thrive since i was set up for success.

Then why do you need a better credit score?

Estate Agents dont do that because fraud and stuff. You can try that without legitimacy and get ripped off tho.

principals aren't real any more the only thing that matters are maintenance payments.
They want to know how many minimum monthly payments they can get from you between now and forever.
Banks have ZERO RESERVE REQUIREMENTS. They don't have any money except for the money you pay them "back" for the loans of money that didn't exist until they lent it to you.
This is the process commonly called "printing money"

fraud happens literally millions of times a day worldwide ,you lunatic! theres whole office buildings in third world nations like the uk and india that just scam people in the first world(the USA) you gonna pretend that this is something that does not happen ALL THE TIME? you were raised to be a deceiver?

I had less than your score last year

Since your car is paid off, you don't need debt for anything else except a house. Which in your country, odds are poor you could get one anyways.

credit score is a made up, nonsense metric

people actually check what this made up number is

None cares about imaginarily numbers.
I regularly go into red my bank hates me can't do shit against, recently these retards approved a credit card which going to use on holiday.
These credit scores are for dumb goys like you who gives a shit about these things.
No person who's rich gives a shit about this

It's funny, I do fuck all and it keeps going up
I need a new card JUST for my pets

your score goes lower if you are responsible with your money. it'll only go up if you take out multiple loans, contracts, credit cards, etc. (ie. be in debt). the banks don't make money off of people who are responsible with their money.
the irony is that you need a good credit score in order to be considered viable for a mortgage, so they'll give you a mortgage if you can prove you are irresponsible with your money.

I am 830 and just never missed a payment.
Two credit cards always paid, two car loans paid, student loan paid, no house loan.
Have tiny credit too and should apply for more, only 20k combined.
Wonder what card the jews get.

I don't but I don't need some "credit score" if I wanted to

5 credit cards with max debt evey month repaid on time for 10 years straight.

How do you get over 800? My credit is immaculate and I’ve never gotten above 798. I have a mortgage and $39k in available credit still never goes beyond high 790s

The credit reporting companies makes money repairing bad credit. They are just trying to make a little money. This is America, you fuckin' commie.

This is actually based

Wonder what card the jews get.

They get all the transaction fees and alot of the interest on your carried balance if you arent paying in full each month on you credit card.
As for the car loans and Mortgage they are gobbling that up along with the govement who probably bought the mortgage.

Estate Agents

I became less profitable to kikes

why did my goyim score go down?

nigga wat?

Literally never missed a payment

unprofitable on late fees

Never gone into overdraft

unprofitable on overdraft fees

Paid off my car loan early

unprofitable on payment length

Goyim score still goes down

Ok class, what did we learn about usury today?

he causes 2008 crisis
he prolongs 2008 crisis

No, I mean what credit card they get.
Some more religious jews are not supposed to pay usury or something.

liar

I've only had mine for 2 years. Started from 700

If you mean the bureaus, they make most of their money charging institutions for pulls.

Check which reporting agency, I had some old score reporting agency show 799 for years and then I check FICO and it was 830. FICO is what they use.

I have perfect payment history I had good credit and then Citibank lowered the credit limit on one of my cards based on a mistake THEY made then I called and bitched at them about it and the jeet was a retarded fucking cunt then a few days later I notice my other citibank acct credit limit was decreased now my credit score has TANKED because they are FUCKING WITH ME AND MY MONEY SO THEY ARE GOING TO FUCKING FIX IT OR PAY THE PRICE

1PBTID

"muh good goy points" thread (again)

Hmm....

it's not a credit score

Says it right there retard. Also as already pointed out ITT it's not used to determine interest. It's literally just a yes or no check if you have unpaid debts or not

it's not a credit score in the same way

fixed that for ya

Good goys handle their budgets

if you paid cash you could have gotten a better deal retard. the only way finance is more profitable for a dealership is if its through one of those 3rd parties where they offer you some insane interest rate.

I ACCEPT your concession.

Fake and gay score.
The me credit cards you have, the better your score. They don't need balances, but you are considered more creditworthy if you have hundreds of thousands of dollars of credit you COULD spend.
When a loan drops off it doesn't count anymore. Like it never happened. Those types of loans are better on credit cards because the card still exists after the loan term.
You can just use credit cards and do nominal transactions
It goes back up once you pay off. Also, you must have low overall limits. If that 1500 was less than 3% of your total, it wouldn't have done much. (basically have $50k in credit card limits)
It isn't micromanaging.
I point churn too. But how much is 300k? Best I've ever gotten was like $450 USD welcome bonuses.
You can get away with credit cards and not using them. I have an 830 score and never paid a penny in interest.
Get a new credit card every 8 months. Ideally one with a sign up bonus. Use it enough to get the bonus. Set up autopay for the statement balance and then use it once a year for gas or food and move onto the next card.

dealerships don't offer better deals paying cash they make more money when you finance

I accept your dishonesty.

omg, this right here is what im talking about,guys! most people are just like this guy. i can explain to him exactly how im paying like 40 percent less value for something in detail and he still cannot understand. these people can vote and drive cars,its scary.The Dunning-Kruger effect is terrifying.

NOOOIOO, ONRY CHINA DO DAT!!! REEEEE!!!

lol, cuntry flaggit, you must make minimum wage like a bastard from a single mom lol.

Bullshit. Unless you lie about it to the dealer. If you tell them you want to pay cash they won't help you. They make money on the financing not the car.
Best way is get as long of a loan as possible at a super high interest rate, but no prepayment penalty. Talk the loan amount as low as possible and then pay it all on day 1.

you lost

paid it off early

OY VEY GOY
THAT LOWERS THE SCORE

lost your mom's number. what is it again?

No you did.

The people who pay your bank to run their free credit app on their website, are getting retards to pay them to repair their "bad" credit. I have zero debt. I don't use credit. I have not had a loan for over 20 years. My credit reported by my checking account was 790 when I agreed to let the app give me free credit reporting and it has gone down ever sense. Pic related is from my account now. I have not done anything except let the retards tell me my free credit report. It is just a scam. No one believes a credit report except retards.

subhumans itt bragging about their goyim score

Nigger, Finland has just two steps. Either you have credibility or then not. I guess you fucked up.

My goy score was over 800 When I had like $12,000 in credit card debt. Now I have like 1100 and it dropped to the 700s.

spiritual nigger

YES. Finally someone that understands money.

keep coping, lol

n-no u

That's what I said retard, we don't have a credit "score" at all. Let me guess; you got an M in english?

Save cash, buy finance, pay off early. That is the really only way you actually do it. You can haggle down, the dealership does their show and dance, you pay off the car in the first payment, dealership is none the wiser.

a 0% finance deal is not somehow going to be cheaper then paying cash and further who the fuck is offering 0% finance this isn't 2021.

Funny you mention this, mine is about that for TU and I can't understand it. I looked at the "things you can do tab" and there were no suggestions. I owe nothing, never missed a bill, credit card is high limit, low IR, I clear it every month anyway. My Experian is a few points off perfect, so is the other one I can't quite remember the name of.

I think its just how they roll honestly.

TAXIT

Why would you give a fuck about being a good Goy?
My credit score is abysmal despite owning my own home outright, having no debts and having a basket of investments.
You know why it's bad? Because I don't give a fuck about Jewish credit. I don't want it and I don't ask for it.

Americans pay extra so that a credit card company can provide them the illusion that the card is paying them. Its very funny.

Look up what INFLATION is... who fucking raised you,lol?

You don't have to act retarded, you have to accept that interest is the cost you must pay to increase your credit score, and thus carry a reasonable balance for a time to bring up your score-preferably on a line of credit rather then a card. Usually for people this comes from purchasing a car, but if you have no need then just take like $500 out of a line of credit to use force normal purchases and just make double minimum payments for a year to boost it. Regardless of what you do, interest MUST be paid to increase your score.
Being retarded would be overloading yourself with so much debt you are falling behind rather then properly servicing it.

Americans worship their goyim cards like nobody else. If you go into a store or restaurant in the US with cash, they automatically assume that you're some kind of gangster.

We have that Judaism here now. The finance deal or paying cash is the same price. So you pay the finance price whether you use it or not. Sad.

Should have not let them ask it. This triggered the mechanism and you will never get home loan. Bad goy.

dont tell me about inflation you fucking nigger. i have 2 paid off cars, paid off 3000sq ft mcmansion and a 6 figure folio. all at 33. i may not be rich but i've certainly gotten farther in life then you retarded nigger faggot

transunion

Thats the nigger score. It doesn't matter. Experien is what matters. Also 609 can be a good score depending on how much revolving credit you have. The 700+ score is achieved by having paid off revolving debt that you use frequently. You know like credit cards. Car loans and personal loans aren't the same thing as revolving debt. And they really don't increase your score much. Also some will say that you should have 20% of your revolving debt used. This is jewish lies. Just use it frequently and pay it off to zero.

I get Sky Miles!TM every time I buy from OfficeMax-OfficeDepot-Krogers on a Tuesday during normal business hours from the link listed in the contract when I use coupon code SDFGHNBFTYUJNBG@#$RFGBN

America is saving you from communism.

Ireland is a militarily occupied little island and a third world "country". theonly thing the irish are known for is moving to the USA (in the MILLIONS) to escape their shithole and terrorism. someone as weak and poor as the brits occupy part of your island.

turns out you're just a nigger

sure thing,deceiver.satan is your daddy.

Your score actually goes down if you open a largeblibe of credit and then immediately pay it off in full, which says everything really.

Never use credit.

its called hard work and marrying someone who is also as frugal. remember that next time you decide to get fast food instead of just cooking 1lb of ground turkey for dinner.

Dealerships will quite literally charge you more if you want to pay cash in full. If you weren’t retarded you would want to do the same.

They get a manufacturer rebate when they sell the car, which is the operating cash they need, then with the financed car they get not only a big positive in accounts receivable for their assets, they get a consistent monthly income as well.

They don’t need $40,000 dollars in cash on hand unless they are about to go bankrupt.

How much revolving debt do you have on your cards? That kills your score.

im very well off financially, kid. LOL

I have white neighbors. So i live like the very richest Americans.

i'm sure you are """kid"""

I think talking about the daily accrued interest

Likely not enough credit.
Imagine your you meet a new friend. You guys hang out for a week. He asks you "Hey, can I borrow £100? I've never screwed you over before, right?"
Yeah, what he said is technically true. But he also hasn't demonstrated a track record of being reliable either. That's basically how credit scores work.

Because it's not a measure of your likelihood to repay, it's a measure of your likelihood to repay slowly, allowing them to make a small fortune off the (((interest))).

cope.... you will never be powerful and neither will your children due to peasant snownigger DNA.

We sent all the retards to the US and it shows.

but that makes no sense. the USA is the wealthiest and most powerful nation in human history. Ireland is a little cucked island that bows to the brits of all people. You bow to the people that terrorized your family for centuries. My country defeated your oppressor twice in a row. now theyre part of our empire just like your little occupied island.

08 was caused by subprime lending, and ratings agencies purposefully mislabeling debt, not guys with 800 good goy points you dense faggot

Interest isn’t accrued daily, and the money you save by financing will outgrow the interest and inflation. So you can let the money you don’t spend by not paying cash grow into a larger some by financing.

Instead of dropping $50,000 on a vehicle and losing that money forever, you put $5,000 down and use the $45,000 you saved to make more money.

I throw hospital bills in the trash without looking at them.

God bless you

I'd rather spend the $50k and not be a slave to Shlomo Greenshekel for 4 years

he cant understand, better to just let it go. theres a hardware issue here, if you know what i mean.

The problem with that is tax. I can pay 50k down and get a car. Or I can pay 5k down and finance the 45k at 5%. I have to beat 9% to break even. For it to be worth my time on such a small sum, it has to be like 15% to 20%. Bitcoin casino aside its not going to happen reliably is it.

If I was buying 100 cars it would make sense but if I'm only buying one, I don't see it. Which is the problem with a lot of stuff like this really, you get done on scale. There was a thing about 10 years ago where people were forming fleet car companies to buy private cars (like I join 100 mates to buy 100 cars together) but the industry stamped on that quite hard.

They want you to have a bunch of credit cards, otherwise you don't count as a good goy.

You need to take few millions of loans and could handle interests and all payments so they can rank you that "top fool" -list.

I don't borrow money I just lend it out so my credit score is lowest one. Weird world.

Thats why i did it in 2020 when only a moron did not know were were about to lose like 40 percent of the value of liquid money. Timing in these things is very important. Just like you buy houses when theres a housing crash not when theres a boom in house prices,lol.

What are the odds you are at least part mexican? Lmao.

If potatoes are the only things that grows in Ireland why didn't you guys make vodka like the Russians?

zero. im puertorrican and hald jewish. the leader of the nazis nick fuentes is a mexican . are mexicans bad now. is nick fuentes bad?(i think so just wondering about you)

Things that show desperations like many loan enquires, rejected applications, maximum credit utilization?

a Puerto Rican Jew

Get the fuck out of my state

we already conquered florida which is why its the best state but now i moved to SC since theres giant amount of industry coming here and i like to manufacture things for work.

I have no credit score.

I pay cash for everything. My house is paid off. My cars are paid off.

About a decade ago I had a house mortgage, but I paid it off. Never missed a payment on anything, ever.

I assumed this would give me a perfect credit score. About a year ago I went in to buy a car and for shits and giggles they checked what I could finance it at. I was like yeah let’s check, my credit is flawless. Couldn’t possibly be better.

They said, “welp, this is a weird one. It looks like you’ve done everything right in life, but you’re being punished for it. You have no credit score.”

I don’t know if they meant it was literally zero, but it was definitely nigger tier. Do not loan money to this man!

They would finance it, but only at the very riskiest rate. Yeah I’ll just pay cash, how about that?

If so why is the Florida governor Italian?

Cool, enjoy throwing wealth away... it would suck being your son.

Enjoy being in debt lowlife

I get either a call or a message every day of a credit card company or a bank trying to sell me a credit card or some other bullshit.

When I was a poorfag my bank manager would refuse to even meet me now I have access to a private manager. It's very interesting how modern banking today is just lending money to people that don't need it and charging exorbitant rates to the people who do need it.

Whiskey...

Because he was the best person for the job. i voted for him while i was still there. remember it was US(and our cuban cousins) that put him in. And we can vote him out too if he somehow could do more term limits.

its not real... you dont have to pay it back when you end up in hell or anything.

the reality is the credit card price is baked into everything
unless you shop somewhere with a cash discount, you should be using a credit card for literally everything

yep. the one regular thing that seems worth it is fuel. lots of places have a lower price for gasoline and diesel if you pay cash. my credit card has an extra 5% reward for gas so i just use that.

The trick is to get as many credit cards as possible, and just not use them. At least not all of them.
The higher your "available" credit the higher your score.
Paying on time wont help much, however not paying on time hurts a lot.
So, if you want your score to go up, get as many high limit cards as you can, activate them. Lock them, then destroy them.
You may still have to pay the annual fee depending on the card.
Don't apply for cards you're not sure you'll be approved for. Credit Karma is great for giving you options. If your chances arent
"Outstanding" Dont bother.
Also, if you use the card. Make TWO payments a month.
The min payment, then a few days later whatever you can afford to pay.

t former credit counselor

My parents were doghsit with money. I had to learn a lot of this on my own over the years.
People are either too naive and think the system is perfected and certain things like credit cards are designed to fuck everyone (or only for the irresponsible).
What people don't realize is our system is kiked but also made by retards.
Some services are dishonest and you should have no qualms fucking them back. Car salesman are subhumans and deserve nothing, for example.

The min payment, then a few days later whatever you can afford to pay.

Is that better than just clearing it?

Why does this fucking thing exist?

jews

Is it retarded?

sort of. from the jew's standpoint, its smart.
i have a score of 820-850, doesnt matter after 800 anyways,
you have to buy big things and not default and or pay them off, and you have to have real assets (equity in house, property, land).
and if you have real assets, dont have more debt than those assets.
its a way for jews to find people who have something left to take.
if you have ten million in a bank, 10 paid off houses, and no debts, the jews will be aching in agony to sell you loans and your credit score will be higher.
niggers and other subhumans not worthy of credit hang out in the 300/400s
things that niggers and other subhumans do to get shit credit:
missing payments
having tons of credit cards
using more than 80% of credit available to you
loan and credit defaults, collections incidents
bankruptcy either chapter 7 or 13
foreclosures or repossessions
criminal incidents, prison and jail
and frequent hard credit inquiries - for example trying 10 dealerships to see if you can get a loan from anyone.

That's why credit is worth more than money but few ppl tend to realize that. Everything has the price of credit and transactions fees baked into them. Here in huezil the government is trying to implement a digital version of our currency to work as a direct competitor of Visa and Mastercard. Are they doing this out of their kind hearts? Ofc not, they do this for control and taxes. If you use their system there's no banking privacy. The fact is that our banking system is fucked and it will be fucked until everything is public blockchain based but that will prob never happen. The banking cartel won't allow it.

Absolutely. They don't want you to pay it off every month, keep your used credit BELOW your available credit and you're golden.
70 percent below. Around twenty percent utilized is the sweet spot. You have to use some credit to be considered eligible for MORE credit.
They make their money through charging you interest. If you have 10k of available credit and 0% utilized credit. Your score will stagnate. But if you use some of it (20-30%) Your score will go up and so will your available credit.
All those

Pay me money to tell you how to increase your score

Vids you see on YouTube will tell you the same. Don't pay for that crap. A good thing to use your cards on are utilities. That way your bill will be lower than what you paid with the CC. Pay a 100 dollar electric bill with a CC, and youll only jave ro pay 60-70 dollars of real money, all the while helping to increase your score.
Also good to get cash back cards and use those for things you're going to buy anyway, like gas and groceries. Triple dip by using the respective apps for the stores you shop at as well as additional cashback apps like upside.
You can post some nice boobies here for me if you like.

It probably just hasn’t registered you paying off your car loan yet. You do realize this isn’t your real credit score, it’s just a simulated one, right?

You are a liar. I'm 36 no credit card only have car and student loans and have an 800 score. You fucked up.

Paid off my car loan early

Dumb goy, you must pay at the last moment possible. What profit is there to be made if you pay early?

if you have a credit score in the 700-800 range, you're definitely not going to get a car loan at the best rate.

If you're really good at negotiating though, you can get mortgages at rates as low as 1 - 3%. :)

Lol you’re a child who has no idea

I pay my credit card bill on time and throw medical bills in the trash and I'm at 722.

I don't know what I did right. I was 648 for years.

Are you dumb? American credit score caps at 850. If you're over 750 you're getting the best deals.

I also throw medical bills into the trash!

Literally everybody with a bank account to their name have a credit score. For some humiliation ritual reason the anglos banksters disclosed it publicly, but every bank on earth have those. You simply don't have public access to it.

This the score goes down if jew doesn't make money off of you, true story
If you have loans you keep paying your goy score goes up, if you pay off your loans and dont give mr shekelberg anything your score goes down

There is a Third way though...

going out of your way to (you) everybody but not getting a single (you) back

Your (you) score is at zero (0) bro. Let me throw this bone at (you) for the effort.

mine was in the 800s last month. i opened 2 new cards and got an installment loan. now its at 750. in about a year, itl be back in the 800s. i make a few thousand a year off of my credit card rewards as well. credit is easy. it just takes time. its an iq test: are you niggerbrained with your finances, or do you have a superior white mind? you seriously havent figured out how to beat the jews at their own game here yet?
youre brown or retarded, so youre in the 600s.

Because they know when people use more than 30% of their limit they are less likely to pay it off.

Are you dumb? American credit score caps at 850. If you're over 750 you're getting the best deals.

Is that Biden autopen policy still in effect where you get penalized on home loan if your score is too high?

I had great credit when I bought my house in 2015 because of the student loans I took out in 2005

MIGAt memes

And imagine having any assets in Butthurt Belt in 2025 lmfao.

unnecessary jab, first of all, because I wasn't really attacking you and second of all, you're living in a failed state so throwing stones out of a glass house filled with pakis and commies
it was a genuine question. I made significant money on american stocks this year and I know I'll be robbed of 20% of my gains, because of that. I'm using Lithuanian platform for this, but all countries in EU have obligation to report you to the respective country. Lithuania is in EU, so if I don't pay I'm fooked.

How exactly can you avoid being taxed on capital gains in your Big Brother state?

im a spic/jew hybrid. and my net worth is larger than your whole "village's" income

I fuck over goyim out of money

that's nothing to brag about, jew. I won't respect you for this. I know your ways, faggot

are poles moving to the USA or are americans moving to pooland?

these days you would be surprised
also fuck you, kike. I see more and more of your kind in my town. Leaving whatever ship you sunk, like rats

Holy shit you are not smart. go suck kikes off elsewhere.

You dumb fuck. To have good credit you need to use credit. I am a student and have a perfect credit score.

To make your credit score go up just do all your spending on credit cards and repay them in full every month (0 interest). Every couple years apply for another credit card, expanding your credit available. I have 6 credit cards and $30k credit limit with no job.

Oh, and if you want to get a mortgage don't have any payments to OnlyFans, weed dispensaries or other degenerate shit or your rate will be higher.

In order to have a really high score you would have had to pay a bank $100,000 in interest. I have no credit or unmeasurable.

so you're saying I don't need tattoos to impress ladies in USA, just cash money?

credit scores are the legacy off kike loving boomers who thrived form never having to deal with credit scores. yes niggers have bad credit but they shouldn't even have credit. you have to be a real stupid goy to defend credit scores

To have good credit you need to use credit.

see what I mean, what a good goy

Credit cards are for niggers and kikes. I am better than both, you should be too.

my shit just doesn't want to go passed 740.

Dont feel bad bro im the biggest nigger when it comes to credit and banking because of endless sabotage and harassment and stalking

There's nothing inherently wrong with credit. A bar tab is credit. Before money existed credit did. IOUs are older than cash.

If you know what you're doing you can make money from credit cards(stoozing & cashback). I've made hundreds and never paid any interest. Most people just don't have fiscal discipline to do it, that's not a credit problem, that's a you problem.

>Paid off my car loan early

first mistake.

My country defeated your oppressor twice in a row

source?

my goyim score dropped 150 points after I got diagnosed with ligma

what's "diagnosed"?

Hey anon. Guess what? You might be fucking retarded. Do you own land? Do you own the means to create income for yourself without asking your boss nicely? Nah didn't think so. My good got score is probably in the low 100s or 200s. Idk haven't checked in years. But you know what I got? All the stuff you don't and the freedom to do whatever I want out here. Tank that shit, baby, and take control of your life instead of giving your like overlords sloppy toppy

My transunion credit score is 650 but my equifax is 594. Reason being is because the apartment i moved out of had bedbugs in it and my landlords pest control wouldnt help me. I had to pay my own exterminator $1000 and my landlord still didnt reimburse me. Now i live in a box with no stove or oven and am getting calls from debt company for $1400. Dont be like me anons. Dont get desperate for a place to live.

Hmm this 'Hitler' may be onto something...

looks like a goyim score