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Subject: "Credit Score is some bullshit" Previous topic | Next topic
legsdiamond
Member since May 05th 2011
79554 posts 		Tue Oct-20-20 07:20 AM

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"Credit Score is some bullshit"


          

I swear every time I think I know my score it comes back all fucked up.

Shit is a racket.

That is all.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

  
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Credit Score is some bullshit [View all] , legsdiamond, Tue Oct-20-20 07:20 AM
 
Subject Author Message Date ID
Do you have the free score check through your bank or credit
Oct 20th 2020
1
I do. An ALL them shits be different. My scores be GREAT..but different ...
Oct 20th 2020
2
Yes, and it’s off by 70 points.
Oct 20th 2020
4
      Don't close your cards or allow a bunch to close from lack of use....
Oct 20th 2020
8
      Yes. This I know
Oct 20th 2020
14
           I paid off mine & my wifes CC this year.. credit score went down..
Jun 09th 2021
44
                Yep same thing happened to me. I have a myFICO account so I
Jun 09th 2021
46
      I found out the hard way that they don’t all use the same scoring syst...
Oct 20th 2020
12
https://www.businessinsider.com/credit-score-around-the-world-2018-8
Oct 20th 2020
3
Track your actual FICO credit scores.
Oct 20th 2020
5
Interesting. I didn't know about that.
Oct 20th 2020
6
Exactly. That being said, it's reportedly being changed for FICO score
Oct 20th 2020
9
i definitely need to up my game
Oct 20th 2020
7
Multiple monthly payments aren't bad at all.
Oct 20th 2020
10
Random update
Aug 30th 2022
55
      Yeah I've seen the same with my AmEx.
Sep 01st 2022
65
It shouldn’t matter how quick you pay it off
Oct 20th 2020
11
      is it good to avoid charging anything to it right before the statement d...
Oct 20th 2020
13
           Definitely wait until after the statement date
Oct 20th 2020
15
           Exactly. I literally track all my card statement dates and stop using
Oct 20th 2020
17
Thanks for that information.
Oct 20th 2020
16
Credit inquiries account for 10% of your FICO score.
Oct 20th 2020
18
bookmark
Oct 20th 2020
19
posts/posters like this is why I hope they never pull the plug on okp
Oct 20th 2020
23
any thoughts on Experian Boost?
Oct 20th 2020
26
      It's legit - I use it.
Oct 20th 2020
27
It's definitely a racket.
Oct 20th 2020
20
I used personal loans as well
Oct 20th 2020
21
      credit karma is that okey doke fr.
Oct 20th 2020
22
           I have 2 cards with no balance
Oct 20th 2020
24
                oh cool. you're good to go.
Oct 20th 2020
25
                     Yeah, after the personal loan
Oct 20th 2020
28
Soulfunk, if you're around, riddle me this.
Jun 09th 2021
29
Credit score is determined by different components...
Jun 09th 2021
30
      this..
Jun 09th 2021
31
      LOL yup.
Jun 09th 2021
37
      Thank you for the prompt response.
Jun 09th 2021
32
      This is all spot on...
Jun 09th 2021
38
      Length of history should only matter with CCs
Jun 09th 2021
41
finally got my score above 750
Jun 09th 2021
33
My score was over 815 but it has dropped below 750 in two months
Jun 09th 2021
34
      its foul how paying off a car is seem as a negative
Jun 09th 2021
35
           sadly, there are no credit scores that say cash is king.
Jun 09th 2021
36
           Yep, I agree
Jun 09th 2021
39
           For the lenders, the credit score is a risk calculation. Someone who
Jun 09th 2021
40
                Yes but if I can pay my car debt off on time
Jun 09th 2021
42
                paying a debt off early should never be viewed as a risk to lenders
Jun 09th 2021
43
                It's one piece of the puzzle.
Jun 09th 2021
45
                ^^^^dat knowledge
Jun 09th 2021
48
LONG AS YOU OWE ME
Jun 09th 2021
47
A minor correction
Jun 09th 2021
49
Tay Day
Jun 11th 2021
50
ONE inquiry dropped my credit score 11 points lol
Jun 19th 2021
51
Wow. Was this an actual FICO score? From one agency or
Jun 19th 2021
52
Transunion and equifax
Jun 20th 2021
54
11 points is small compared what mine does
Jun 19th 2021
53
That pay off your car and your score goes down shit is......
Aug 30th 2022
56
Absolutely agreed. I just sold my house, about to move to a new construc...
Aug 30th 2022
59
Equifax just updated - 8 point hit for my mortgage account closing
Aug 31st 2022
62
      appreciate the knowledge youre dropping
Sep 01st 2022
63
           MyFICO is currently the only place to get all of the scores that
Sep 01st 2022
66
                is there a family plan for two accounts? Lol 40 bucks recurrint
Sep 05th 2022
69
                Just remember that $40 a month can save you 10’s of thousands
Feb 14th 2024
84
                Inboxed!
Sep 06th 2022
70
same shit happened to me.
Aug 31st 2022
61
      Yeah but before the 80’s we had to deal with that direct ‘cism…
Sep 01st 2022
67
My mom is about to pay off her house.
Aug 30th 2022
57
Assuming that's her only loan, that's sucks from a credit score perspect...
Aug 30th 2022
60
this is that bullshit. You should immediately get 20 points for paying o...
Sep 01st 2022
64
Fuck greedy capitalism.
Aug 30th 2022
58
I feel you on this. I worked to get a high 800 score just to
Sep 04th 2022
68
Argh!!! Credit Karma is bullshit.
Feb 13th 2024
71
my man.. did they repo the car?
Feb 13th 2024
72
70 days late for no good reason.
Feb 13th 2024
74
See....I'm thinking this is a tactic now that you're mentioning it....
Feb 13th 2024
73
I had a credit card that stopped auto payments
Feb 13th 2024
75
      That's fucked.
Feb 13th 2024
76
yup, it's malnly an app to get you to try for more credit.
Feb 13th 2024
81
Credit Karma is what it says it is.
Feb 14th 2024
82
      Anyone purchasing a home, car, refi, etc should first run their credit
Feb 14th 2024
83
      It's garbage
Feb 15th 2024
86
           You can use it to track trends.
Feb 15th 2024
87
                Thanks for the info
Feb 16th 2024
88
I read an article years ago about gaming the credit system...
Feb 13th 2024
77
Yeah. I pay for as much as i can on credit and pay in full at the end
Feb 13th 2024
79
if you're fed....
Feb 13th 2024
78
this works outside of fed too.
Feb 13th 2024
80
Credit score based dating app requires a 675 to join.
Feb 15th 2024
85

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