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/biz/ - Business & Finance

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File: 15 KB, 601x354, ss (2022-07-24 at 08.07.12).png [View same] [iqdb] [saucenao] [google]
50546298 No.50546298 [Reply] [Original]

how do i get these niggers over 800

>> No.50546315

>>50546298
credit is a scam anon, don't borrow money

>> No.50546340

>>50546315
my credit is over 800 and ive never taken out a loan or plan to.

>> No.50546351

>>50546298
Mine were over 800 last week until they dipped to your level. I have a mortgage + 8 credit cards with 37.2k total limit. I always pay the cards off in full and just grind the rewards

Hope this helps, fellow 4channer!

>> No.50546354

>>50546315
you get jew rewards for borrwing money. might as well

>> No.50546373

>>50546298
Isn't FICO the actually important credit score ?


I'm not trying to be smart, I'm genuinely wondering if all 3 really matter.

>> No.50546387

>>50546373
These are a great approximation of your FICO and highly correlated with it

>> No.50546395

>>50546373
>>50546387
what website is the best to check credit?

>> No.50546572
File: 75 KB, 1118x814, Screen Shot 2022-07-24 at 8.32.09 PM.jpg [View same] [iqdb] [saucenao] [google]
50546572

>>50546298
>Keep your balance under 5% across all accounts
>Setup auto-payments
>Don't ever have a late payment

>> No.50546578

>>50546315
False. You simply use it like cash and pay off the balance every month.

>> No.50546587

Eat the bugs

>> No.50546745

>>50546572
No don’t give me the 5% shit, am I supposed to have a balance of $0, $0.01, $1.00, or 1%? There has to be a hard answer and I want the high score.

>> No.50546791
File: 43 KB, 720x531, 68747470733a2f2f73332e616d617a6f6e6177732e636f6d2f776174747061642d6d656469612d736572766963652f53746f727949...7652f51475f6b77334d6d4d4d4d3877513d3d2d3835313936323630382e3135666531626566626266333163393836383635333436363433392e6a7067.jpg [View same] [iqdb] [saucenao] [google]
50546791

>>50546351
>8 credit cards

>> No.50546814

>>50546745
Time is your hard answer

>> No.50546836

>>50546298
I have a line of credit I've never used and 1 credit card that I use to pay my internet bill. Which I pay off immediately. I have an 834 score

>> No.50546857

OH BOY HOW DO I GET MORE GBP!

IM THE GOODEST OF GOYS! IM GONNA GOYYYYYYYYYYY

>> No.50547161

>>50546791
I mean the only downside is hard inquiries but they go away so why not get a new card whenever possible and just juggle them all for the higher credit limit

>> No.50547342

>>50546395
I've been using credit karma myself for a while.

>> No.50547351

>>50546298
be jewish. don't be non jewish. simple as

>> No.50547969
File: 1.25 MB, 1872x2680, Bank of England money creation in modern economy JPG.jpg [View same] [iqdb] [saucenao] [google]
50547969

Private banks create new, digital money out of thin air when they lend. Banks are lending you money that didn't exist before you signed the loan contract.

Please keep that in mind when you work on improving your credit score.

Proofs at:
bank LIES dot ORG

>> No.50548049
File: 280 KB, 1098x744, 788.png [View same] [iqdb] [saucenao] [google]
50548049

>>50546298
Transunion you have a lot of explaining to do with the 788 credit score. That score hasn't moved for me in over 2 years.

>> No.50548069
File: 708 KB, 926x804, 1655852811896.png [View same] [iqdb] [saucenao] [google]
50548069

>>50546351
You're a fucking n00b. I have over 50 cards. You won't generate any serious money with only 8 cards.

>> No.50548102

>>50546578
“Pay in full” people are retarded, why would I save money in a bank to buy a car in cash when paying it off monthly and using the extra money to work for you makes more sense

>> No.50548251

>>50546572
>total debt is over 5 figures
ngmi

>> No.50548328

>>50546315
>take out a loan for a car
>use car to earn more money

>take out a loan for a house
>pay less in housing

credit is good, people are just impulsive and spend 99% of what they earn

>> No.50548393

>>50546315
>paying for shit in full
ngmi

>> No.50548479

>>50546315
Not entirely wrong
>>50546340
My credit is non existent despite having a credit card for the past 10 years and having payed off a 50k loan

>> No.50548522

>>50546315
/thread

>> No.50548602

>>50547969
>bank LIES dot ORG

>hostgator favicon
jesus dude

>> No.50548828

>>50546298
>>50546315
>>50546340
>>50546351
>>50546354
>>50546373
>>50546387
>>50546395
>>50546572

>Be American
>Go in debt over every purchase
>Need to build up good goy score so you can keep on buying

Ooooh saaaaaay can you seeeeeeeeeeeeee

>> No.50549317
File: 18 KB, 623x382, meh.png [View same] [iqdb] [saucenao] [google]
50549317

Is hanging lower than it used to, oh well.

>> No.50549410

>>50546315
That's why you scam them back and take all those $200+ credit card rewards every 4-6 months then stop using them.
Never spend the $500 unless you have $500 cash to instantly pay it off

>> No.50549482

>>50546298
My credit score is like 856 in india. I don't know if that is good or bad but I'm ghosting the loan company these days.

>> No.50549620

>>50546298
You get no benefits for anything above 780 and even that may be above the benefit ceiling. 800 is a midwit trap because you have to do shit like actually not paying off your credit cards in full every month

>> No.50549629

>>50546791
I legitimately have like 30. I racked up enough loyalty points for hotels and airlines for the rest of my life, basically. I had a lot of time after college lmao