Whats Sup Forumss credit score?

Whats Sup Forumss credit score?

fucking terrible. I live in the woods my families property. I owe a bunch of money to a few different globalist companies. I have no plan on ever paying it back.

same as yours OP. Not bad considering I have $26,000 in credit card debt

It was like fuckin pleb zero or something last time I went to buy a car because I didn't have a good enough history of buying Jewish loans.

lel. Whatever. They just gave me a pleb loan instead so I could buy it out of pocket.

Green card holder here. Got in the us thanks to the flawed visa power ball a year ago.

I never use my usury card

Can you consolidate your debt somewhere else with a Lower apr?

i dont know. im in 600 dollars in credit card debt because of a car accident.

ill check it out when i get out of debt.

777
just dropped from 781 a month ago after i bought a new car, they credit checked me with like 6 different lenders at once. fucked my score up. i figure in a few months of on time payments itll start going back up, i hope to break 800 someday. ima good little goy.

Last time I checked, sometime in July it was about 760 something. Probably a little worse now since I overdrafted, should clear back up in a year, maybe 6 months. Idk how all that bullshit actually works to be honest.

It's not all consolidated. I just rotate it around between different credit cards using 0% APR balance transfer promos

only 786, feels bad man

>I have to borrow money to perticipate on society.
Do you really have to be a good goy in there?

Still paying 3% for each balance transfer. Thanks fir paying for my churner-related free traveling.

I'm kind anew to this credit shit, what happens when you don't pay a credit card? Is all that happens is that your credit score tanks? Or do they send thugs to your place to break your leg and pay up?

Funniest part when I tried to buy the car and they wouldn't do it because I don't use a good goy bank is I got all these letters in the mail afterward telling me how bad I fucked up at being a good goy and all my loans were DENIED
>lolwtf

Gave me a bit of a fright something had gone wrong until I emailed them about it, and they didn't even know what it was all about. kek

>24 years old
>owe to the mortgage jew, the car jew, and the plastic jew
>740

1488

720

You become nigger tier in the eyes of lenders. You won’t be able to get a Loan for a car or anything else really.

Welcome to the world of spam

755 no debt. Time to build it up.

They charge you interest on your balance every month. Right now, APRs are north of 25% if you fail to make payments, which means more than 2%/month interest fee. Pay your fucking bill. At least pay the minimum.

420 but on purpose

how is that possible with only a year of credit history

758

Have over $90,000 in student loans and never use my credit card.

Had to get my gallbladder removed. Insurance paid all but $3000. Shouldn’t be a problem.

Fico 8 is 824
I don't know any of my others.

i've made some mistakes

I got a lot of cheese

506, defaulted on student loan and picked up the NEET life long ago.

That doesn't sound too horrible, to be honest. All my shit is pretty much owned by me; trailer, car, all my personal shit. So if I defaulted enough times, they don't take my shit do >>>>they

I have no clue. I have 10+ cards open a credit line of 50k and amassed thousands of dollars of intro bonus offers. And sushi. Comped sushi.

760, down 25 points because I took outa out $50k in business credit this year, but will have it paid in March and should see it reach a new high afterward.

Goal is to be like my parents who haven’t been under 820 in a half century.

725. No debt, 2 cards I pay off in full every 2 weeks. Just don't be a fucking retard.

It's my pleasure, bluebird

I always pay the minimum, then whenever I get my tax return I just pay off my card completely. So far its given me an decent score, but I kinda just want to use that money to do something fun next year.

What did you study? Gender studies with a minor on bottoming ?

I'm literally 1 point higher than you. What's the problem? It's the second highest bracket and less than 50 points from the highest rating tier.

All I wanted to do was write a check for the full amount, but they need the Jewish loan department for money because you can't even write a check any more due to lack of confidence. What the hell good are checks for anymore?

Can we say lack of confidence and pushing people in to the beast system?

kek same

>mfw credit score was 809
>Pay off my car
>Drops down to 760


Seriously, wtf? I thought paying off debnts made your score better, not worse.

>he has $26,000 in credit card debt and he doesn't have a payment plan to pay it off.
Literally nigger tier.

I'm 740+.. why does credit even matter though?

You haven't been maintaining enough good goy loans. You might pay them off instead of taking out more loans to keep the ponzi scheme going.

I never used a credit card. I only use a debit card and don't spend money I don't have.

719. ha get one upped leafboy

Interest rates. If you were to get a loan it determines how much of your money would go to the jews.

You need to keep some (((debt))). Pay it off in full and your credit score drops. If you're worried about credit scores its legitimately better to clear it to $100 than to clear it all.
Jewish tricks.

you have to fall behind on payments to get a payment plan

Banks love customers like him. Paying balance transfer fees every so often.

>only using a debit card
Good job missing out on those credit card benefits. Between my cards I average about 3% cash back overall.

it affects rates for home loans and car loans and stuff. like my friend who had like a 790 got a 0 interest loan for his new f150.

Or get a personal loan to consolidate all that at a lower rate.

3% on about 700€ spending per month excluding rent is not that much though.

Very nice jewscore you have goyim! Would you like a nice loan?

I get THOUSANDS or dollars of Amazon dollars

COMPED

But it's basically just being a parasite to buy from Goyizon.

Welp, that's fucking garbage. Only reason I ever borrowed money for cars was to build credit to get a house since I've heard most Banks don't trust people with zero credit, then again, I should probably take Dave Ramsey's advice with a grain of salt

>credit
>score
What do these words mean when used together?

there's no loan that will be at a lower rate than what I'm already paying

There are some cards here that if you spend 500 dollars in three months they’ll give you 150 dollars back. Free money.

You get fucked for applying for credit, which they want you to do anyway.

Well good thing you have a payment plan since you have $26,000 in credit card debt.

i went with the financing thru the dealership, so theyll be making extra sheckels on me.

i didnt start building my credit till 5 years ago, same situation as you, i had NO credit, tried to get a 500 dollar personal loan so jamal wouldnt break my legs (i put emergency car repairs on the form though) and was denied..... i was confused, and basically came to learn if you have no credit past your basically a wildcard to them and they arent gonna lend you money.

get a securecard, your load it with money, and the limit is what you put into it, but it reports as a credit card, make payments on time for a few years on end and your score will rise. and when you finally get real credit cards, you get your intially deposit back when you cancel the securecard. its how i started.

1488

good goyim

welp, heres my advice/story
>be me
>be 18 year old drug addict
>move in with crackhead "friend"
>"friend" suggests i take out a payday loan
>"fuck it bro. you don't even need to pay that shit back for years if you dont want"
>freedrugs.money
>payday loan runs out in 2 days
>"friend" suggests i go out and get a credit card
>"fuck it bro. you don't even need to pay that shit back for years if you dont want"
>go out and get one
>immediately take out the limit in cash
>"well sir you *can* do that, but i must advise against it as it increases your interest and there are several service fees involv--"
>"dont care. give me free money."
>credit card cash is gone in 2 days
>sit around for a couple weeks strung out
>somehow get my mom to pay it off and not tell my dad
>don't even get rid of the credit card
>two weeks later go out and max it out for cash again
>am 26 now. not one cent has been paid on it since the 2nd time.

although my "friend" was technically right, i don't *have* to pay them back, they garnish your salary, take your assets (if you have any, thankfully i dont), and basically fuck you over for anything you'd need in terms of borrowing credit
that means
>no car
>no house
>nothing nice
if you're gonna fuck over your credit card company be sure you're fine with living like a bum for the rest of your life

My advice is to just never get a credit card. Use cash as much as you can. If you have enough you don't need (((credit))).

That does sound nice. But if I need a credit card for any reason, like a hotel reservation, I can use my parents American Express gold card. They never really use it as well tbqh.

Yup, same. I literally got mail from a bank saing
>oy vey
>even though you were a good goy
>it's been too long since you took out a loan
>so now it doesn't count so you're a bad goy
>no loan for you!

true. back when I worked procurement for an engineering company I bought equipment on my personal card then expense reported it all the time to immediately pay it back. thats free money :o)

No annual fee, free shipping, and 5% back? Why wouldn't I buy everything on Amazon.

WHEN WILL MY FUCKING BANK UPDATE UPDATE MY CARD USAGE AND CREDIT HISTORY? REEEEEEEEEEEE

Nah mate. I came there ready to buy the vehicle with no loan. They wouldn't even let me put down more than a few thou for down payment. I was shocked.

In the real world if you offer somebody full price up front they'll ask how high you want them to jump.

Loans are for goys that lack cash money

PAY DEMBTS

> American Express gold card.

Peasants.

>rack up a load of debt
>fucking jew tricks
>quit job, sell all my shit, live on the streets, have about $30 to my name.

you're move, Mr. Rothschild.

God damned toydarians

I hate car dealers. I hate how they’re full of jew tricks to Jew you out of yours sheckels. 200 dollar dealer fee, extended warranties, and if buying used an upmark of 4 to 5 thousands of whatever it was the previous owner traded it in for. I really wish you could buy your car straight from the manufacturer.

If this is your first credit card it takes three months for the credit bureaus to calculate a credit score for you.

Only 772. But it’s okay because I’m a good Goy

See I would love to just use cash, but my father advises me to have a CC. He says it makes you look good, and you can get a house and other bullshit if you do it right.. But I tend to rent movies, amazon bullshit and beer throughout the year and attach it to my CC since I just use auto-payments and it tends to add and I hate it. I want to cut it up into little pieces, but apparently if you don't use a credit card your score tanks every so often cause you don't use it. Since I get paranoid in case my car has a major issue or some bullshit like that, I keep it on me. I don't completely max it out, but I do use a lot on it. While I own my trailer and car, I would like a house eventually, and my car won't last forever.. So it's just all confusing to me, cause they never teach us, in the U.S school system and if they did nobody would even pay attention, about this bullshit and expect you to know it when you become 18.. And I haven't really.

no clue what credit score is, probably an american thing

I have only debit card, I will not be taking out credit card ever.

Sitting at 814 at the age of 29.

i hear ya man
same thing here. i mean i assume it's probably gotten a *little* more progressive in the past few years but we didn't learn shit.
i also get that you feel like you need a credit card but honestly if you have cash there are other options. there are mortgage lenders outside of banks (i think so in the usa anyway) and i'm sure one if not all of them would be happy to take cash.
they say "bad credit is better than no credit" and that's a fucking literal kike lie.
and desu using a credit card for quick cash for beers when you don't have the money is nice, but i've seen more than a few people (and keep in mind im only 26) fuck up their lives with a credit card. it happens man. more than you think.

I don't know what the markup was in this case, but it was a pretty fair asking price for what it was, and it was nice to just tell the guy
>knock off $XYZ so you can make an easy sale today

Too bad management and rules made it difficult so I had to find ways to entertain myself sitting in the waiting room while tried to get a loan for me that I could just pay off at almost no interest.

10 year credit history. $~90,000 in savings, $0 debt

Isn't that stealing? That's haram

> 0
on disability, most loans forgiven but the rest have undoubtedly driven my 'credit score' into the ground. suprising how much power i thought they had. its just nasty letters and phone calls. dont really care anymore

all in crypto, never looking back

Rekt lads... Got money flying out my ears atm

higher than yours chin-chin

794, not too shabby

Taking out loans and the interest rate of the loan. If you can get low enough interest rates, it can actually make more economic sense to take out a loan than actually make a large purchase straight up. This depends on the inflation rate of your currency as well though. Plus if you are responsible, reward cards are literally free money with minimal liability compared to a checking account.

Loyalty cards are information arbitrage to find out how much they can Jew you before you won't pay.

Haha I travel tons for work and that's basically what I do with flights that I need to be reimbursed on.

What? Just have a card with a good flat rate, like 1.5% to 2% and then maybe something specialized for gas, groceries, or flights. Which can get to 5% I need to buy gas and I need to eat.

Yes, yes, good goy! You need the reward card to eat! Good, good!

0. Never taken out a loan, no student debt, no car payments, no home loans, no credit cards...
>scholarship
>paid cash for paid-off used car
>rent with a friend, his name on everything
>debit card with monthly compounding
Get on my fucking level.

I don't give a shit if they know how many Hot Pockets and dragon dildos I buy a month.