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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

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Anonymous Wed May 31 22:13:57 2023 No.55145816 [Reply] [Original]

If you credit score is below 800, you must lower your tone when talking to me.

>>	Anonymous Wed May 31 22:14:57 2023 No.55145823 >>55145816 Imagine only having an 815, fucking loser

>>	Anonymous Wed May 31 22:16:25 2023 No.55145839 File: 437 KB, 1080x2280, Screenshot_20230531-171531_Credit Karma.jpg [View same] [iqdb] [saucenao] [google] Yes sir/ma'am. I am sorry sir/ma'am

>>	Anonymous Wed May 31 22:17:20 2023 No.55145846 >look at me, I'm the best goyim!

>>	Anonymous Wed May 31 22:17:25 2023 No.55145848 >mfw stuck at exactly 799 for three years now what could be the reason?

>>	Anonymous Wed May 31 22:18:24 2023 No.55145855 >>55145823 Shut up Chud >>55145839 What up future Chad

>>	Anonymous Wed May 31 22:18:58 2023 No.55145865 >>55145855 Enjoy your low credit score, chud.

>>	Anonymous Wed May 31 22:19:11 2023 No.55145867 File: 11 KB, 209x242, 1680558466026586.png [View same] [iqdb] [saucenao] [google] >>55145816 Nice score, fellow goy. Make sure to keep multiple lines of credit active so you continue to improve!

>>	Anonymous Wed May 31 22:20:08 2023 No.55145874 File: 339 KB, 1080x2280, Screenshot_20230523-114544_Robinhood.jpg [View same] [iqdb] [saucenao] [google] >>55145846 Only Chads make gains like these.

>>	Anonymous Wed May 31 22:21:09 2023 No.55145883 File: 29 KB, 497x625, Screenshot 2023-05-31 182011.png [View same] [iqdb] [saucenao] [google] >>55145867 I already have dozens of accounts, Mr. Noseberg. There's not much else I can open up.

>>	Anonymous Wed May 31 22:24:52 2023 No.55145925 File: 37 KB, 680x699, 1564623590296.jpg [View same] [iqdb] [saucenao] [google] >>55145883 >55 open accts Holy shit

>>	Anonymous Wed May 31 22:50:58 2023 No.55146140 >>55145883 It should be mathematically impossible to have a score that high with so many inquiries and a credit age of only 2.5 years

>>	Anonymous Wed May 31 22:53:08 2023 No.55146159 >>55146140 The age of my oldest account is 16 years old and I've never missed a payment. I just open tons of credit cards for the cash bonus. Hence the high number of hard inquiries. Any my total credit limit is almost $350k across all cards.

>>	Anonymous Wed May 31 22:55:12 2023 No.55146177 >>55145883 FIFTY FIVE FUCKING ACCOUNTS MY GOD MAN MY GOD WHAT

>>	Anonymous Wed May 31 22:55:44 2023 No.55146182 >>55145816 I got my first credit card last year. I pay of everything, I'm debt free, never missed a payment How tf do I get it higher? I've been stuck at 740 forever

Anonymous Wed May 31 22:57:24 2023 No.55146192

>>55146159
How many different banks do you use. How do you keep all the balances, passwords, payments etc in check? I just have one credit card with one bank. And my credit limit is 18k which almost fucked me over when i had to park for a new roof... While waiting for the payment to clear on a holiday i only had a credit balance of 2k, and i was traveling for vacation that day! Scary, i need more credit

Anonymous Wed May 31 23:02:20 2023 No.55146227
File: 21 KB, 209x765, Screenshot 2023-05-31 190040.png [View same] [iqdb] [saucenao] [google]

>>55146182
740 is considered excellent so it's pointless to go higher. But if you want it for autistic purposes, try requesting a credit increase on your credit card and/or applying for more credit cards. Having a mortgage and car loan will boost your score too.
>>55146192
I have active accounts with like 30+ banks. I only regularly use 2 or 3, but I track everything with mint.com so I can get alerted if there's fraud with any of my accounts. I use a password manager to keep track of passwords. And I never travel with less than 2 debit cards and 3 credit cards.

>>	Anonymous Wed May 31 23:12:16 2023 No.55146314 >>55146227 I think i lack the emotional and mental strength to do this. Good on you though

>>	Anonymous Wed May 31 23:13:16 2023 No.55146321 >>55145816 You get ze best slave award op. CONGRATULATIONS.

>>	Anonymous Wed May 31 23:17:29 2023 No.55146352 but how much land do you have? jew scores stink like nigger shit

Anonymous Wed May 31 23:23:35 2023 No.55146387
File: 48 KB, 640x627, 1655190191051.jpg [View same] [iqdb] [saucenao] [google]

My FICO is 811, but it's a totally useless metric for me since I have no use for credit at all, I just keep all of my re-occurring bills on my one credit card that then gets auto-paid.

Fuck debt. If you go into debt for anything except a mortgage you're a brainlet.

>>	Anonymous Wed May 31 23:27:05 2023 No.55146418 >>55146387 >Fuck debt. If you go into debt for anything except a mortgage you're a brainlet. i agree. my mortgage is the only debt I can justify. Btw i have like 10k in credit debt I need to clean up. Hope this new slave job pays it off anon.

>>	Anonymous Wed May 31 23:29:46 2023 No.55146446 >>55146387 >>55146418 Credit is a useful tool if you use it to leverage your wealth properly. It can be great for a house, education, car, small business, etc. It's a brainlet take to say it's only good for mortgages.

>>	Anonymous Wed May 31 23:29:48 2023 No.55146447 >>55146159 time to all in monero and disappear

>>	Anonymous Wed May 31 23:31:26 2023 No.55146462 >>55146446 Oh i do agree but only if you pay it down. not like how I do it when I owe 10k. smart fags i know have told me to make every fucking purchase on my 3% cashback card but you have to keep it paid down each month.

>>	Anonymous Wed May 31 23:32:27 2023 No.55146470 >>55146446 still wondering how much land you have

>>	Anonymous Wed May 31 23:34:30 2023 No.55146489 >>55146462 Exactly. I've been using credit cards for 99% of my purchases for the past decade. I've never paid a dime in interest. >>55146470 I've got a house sitting on 0.3 acres of land. I'll buy more property when the time is right.

>>	Anonymous Wed May 31 23:36:28 2023 No.55146504 File: 109 KB, 1080x1080, Screenshot_20230601-093510__01.jpg [View same] [iqdb] [saucenao] [google] >>55145816 If you don't have 4 digits, don't even look at me.

>>	Anonymous Wed May 31 23:40:06 2023 No.55146534 >>55146504 That's equivalent to only a 715 in freedom units. Sit down, square.

>>	Anonymous Wed May 31 23:53:35 2023 No.55146637 >>55146504 Is this European credit score or what

>>	Anonymous Thu Jun 1 00:24:50 2023 No.55146873 File: 115 KB, 720x676, seniorchiefpettygoyfficer.jpg [View same] [iqdb] [saucenao] [google] >>55145816 Look at me.. I'm the goyptain now.

>>	Anonymous Thu Jun 1 00:29:26 2023 No.55146918 >>55145816 FAKO

>>	Anonymous Thu Jun 1 00:29:37 2023 No.55146919 >>55146873 >averages out to just 811 oof sorry bud

>>	Anonymous Thu Jun 1 00:34:43 2023 No.55146966 File: 93 KB, 1080x718, Screenshot_20230531-183317.png [View same] [iqdb] [saucenao] [google] Not sure how leafcredit applies to UD credit but I've made huge gains lately. I was at 706 in January.

>>	Anonymous Thu Jun 1 00:39:12 2023 No.55147022 >>55145816 It means nothing without good income. If you have good income why do you need credit?

>>	Anonymous Thu Jun 1 00:39:34 2023 No.55147027 >>55146919 >85% less goyme equity Don't try it Anakin, I have the high ground.

>>	Anonymous Thu Jun 1 00:42:25 2023 No.55147051 >>55147022 brainlet take It takes money to make money and if you can borrow money cheaper there's way less overhead. If you can't grasp that you'll be nothing but a wagie.

>>	Anonymous Thu Jun 1 01:01:24 2023 No.55147204 >>55145848 need to buy a house

>>	Anonymous Thu Jun 1 01:02:35 2023 No.55147212 >>55145883 bro what fucking accounts do you have open? just give me a general sampling kek

>>	Anonymous Thu Jun 1 01:07:47 2023 No.55147252 >>55146387 Based Dave Ramsey enjoyer

>>	Anonymous Thu Jun 1 01:17:42 2023 No.55147329 File: 58 KB, 367x846, Screenshot 2023-05-31 211729.png [View same] [iqdb] [saucenao] [google] >>55147212 Basically I've gotten just about every credit card with no annual fee that offers a opening bonus.

>>	Anonymous Thu Jun 1 01:18:43 2023 No.55147338 File: 57 KB, 383x890, Screenshot 2023-05-31 211758.png [View same] [iqdb] [saucenao] [google] >>55147212 And another 2 credits cards not pictured in this second screenshot.

>>	Anonymous Thu Jun 1 01:20:22 2023 No.55147352 >having a credit score HAHAHAHAHAHAHAHAHHAHAHHAHA imagine boasting about falling for a scam

>>	Anonymous Thu Jun 1 01:27:28 2023 No.55147408 File: 22 KB, 604x599, Screenshot 2023-05-31 182410.png [View same] [iqdb] [saucenao] [google] >>55145816 yess goood

>>	Anonymous Thu Jun 1 02:01:46 2023 No.55147688 >>55147352 Post any sort of land you own

>>	Anonymous Thu Jun 1 02:02:30 2023 No.55147693 >>55145816 mine is above 800. what do i do now?

>>	Anonymous Thu Jun 1 02:03:47 2023 No.55147699 >>55145816 This nigga so poor he worries about credit scores lol

>>	Anonymous Thu Jun 1 02:05:40 2023 No.55147714 >>55145816 what if it's 799? may i start raising my tone?

>>	Anonymous Thu Jun 1 02:09:00 2023 No.55147736 >I’m the goodest goy! >no I am! >no I’m the goodest! Cringe. Your credit score is an indicator of how profitable you are to the jewish bankers. Nothing more, nothing less.

>>	Anonymous Thu Jun 1 02:09:09 2023 No.55147739 Have fun paying for wagies with scores under 600 rofl

>>	Anonymous Thu Jun 1 02:09:41 2023 No.55147741 >>55147699 >>55147736 >>55147739 poorfags cope

>>	Anonymous Thu Jun 1 02:11:16 2023 No.55147751 >>55147741 Post foreskin.

>>	Anonymous Thu Jun 1 02:14:00 2023 No.55147771 File: 241 KB, 1277x1346, image.png [View same] [iqdb] [saucenao] [google] Thanks for the memories

>>	Anonymous Thu Jun 1 02:15:07 2023 No.55147779 >>55145883 What site is that

Anonymous Thu Jun 1 02:18:15 2023 No.55147811

>>55146182
740 not bad for first credit card this year. Never missing a payment isn’t going to increase your score much. Missing a payment is just going to fuck it. Try increasing maximum credit, decreasing used credit. Don’t have too many inquiries on your report at once and try heaving a spread of different types of credit. Credit card, car, mortgage ect. Time is usually the best factor, having a 100% payment is good but not the best factor.

>>	Anonymous Thu Jun 1 02:19:26 2023 No.55147828 >>55147771 Yo delete dis >>55147779 Credit Karma

>>	Anonymous Thu Jun 1 04:58:06 2023 No.55148913 >>55145816 Wow, nice work gentile, I might even let you be my Shabbos goi

>>	Anonymous Thu Jun 1 08:52:45 2023 No.55149977 File: 9 KB, 300x302, 1684993437197743.jpg [View same] [iqdb] [saucenao] [google] >>55145816 I own my own home, have no debts and have around £80k in savings and investments yet I have a poor credit rating. Ask me how much I care?

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