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Personal Finance 2w
Reached 800 on my credit score today 🙌
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19
upvote 313 downvote
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Anonymous 2w

Now fuck it all up and start again!

upvote 31 downvote
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Anonymous 2w

Girl HOW

upvote 3 downvote
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Anonymous 2w

I’ve had my credit card for 1 year it’s only gone up 33 points

upvote 2 downvote
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Anonymous 2w

Yo I pay my card in full every month and have never missed or been late on a payment. Been doing this for 3 years and my score just keeps going down. Like it will go up and then go back down for no reason

upvote 2 downvote
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Anonymous 2w

It’s been hovering around the same score (775) for like 8 months now. It’ll go up a few points and then go back down and then go up

upvote 2 downvote
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Anonymous 3d

I’m curious how you got your actual score? I got my free credit report that’s required to be provided by law but it didn’t have it and every time I try to access it thru my bank or credit card companies, they want me to consent to more offers and to share my score with their “partner” which I don’t want

upvote 1 downvote
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Anonymous replying to -> #1 2w

Imma put it all on black

upvote 23 downvote
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Anonymous replying to -> OP 2w

I don’t think that will affect your credit

upvote 7 downvote
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Anonymous replying to -> #1 2w

When I buy a bunch of chips, lose it all, and have to take out a loan it sure will 😈

upvote 18 downvote
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Anonymous replying to -> #2 2w

Paying off my loans and paying my cards in full every month lol

upvote 2 downvote
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Anonymous replying to -> #4 2w

You should check to make sure your identity wasn’t stolen or some shit

upvote 2 downvote
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Anonymous replying to -> OP 2w

I actually did and it says I’m all clean

upvote 2 downvote
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Anonymous replying to -> OP 2w

False. Paying off your loans doesn’t increase your credit score it decreases it

upvote 2 downvote
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Anonymous replying to -> #5 2w

Technically, sure. But I haven’t had student loans in four years and an auto loan in two and I’m doing pretty good for myself on the credit front

upvote 3 downvote
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Anonymous replying to -> OP 2w

Paying off debt is great. You should do that even though it drops your score. I’m just saying paying off debt doesn’t increase your credit score it lowers it. Your average age of accounts and number of accounts go down which negatively impacts your score

upvote 3 downvote
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Anonymous replying to -> #5 2w

I also got a couple more cards, which I was able to do to HELP my credit because I DON’T have a lot of debt to make me drown. When I lost 5 accounts (4 student loans and a car loan) I replaced them with a few cards, which are much better long-term for obvious reasons. But yeah 100% agree with you

upvote 2 downvote
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Anonymous replying to -> #4 2w

That did happen to me for a long time

upvote 2 downvote
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Anonymous replying to -> #6 3d

Your credit report will have it. You can also use credit karma

upvote 1 downvote
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Anonymous replying to -> #5 3d

Not the ones I got from experian, equifax, and transunion :/

upvote 1 downvote