Only 2% of Millennials Have Excellent Credit Scores

Why don't millennials have good credit?

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Jews

...

>

Boomers

Soe is so goddamn adorable

>It's the fucking soe poster again
you ban evading piece of shit

Price inflation of wares combined with wage deflation and banks not doing there systemic job and handing out credits.

It will go well for a decade (means 2018), after this, landlords will be hanged, small business owners robbed constantly and politicians won't exist. Boomers and Gen Z cry babies literally memed the proletarian revolution into existence for being greedy bastards who like to have a golden pension paid by (((everybody)))

Why is her death stare so qt bros?

oy

Jewish boomers

Because wealth is usually accrued by years of work and investment.

Of course, millennials will spend all the money in their checking account on Netflix and Starbucks and miss payments or have overdraft fees because they're irresponsible and retarded

Because they are fucking idiots. They even vote for Hillary Clinton.

>oy gevalt, you need to go to college
>too expensive? no worries, just get a (((loan)))
>there's nothing wrong with usury, goy, it's just business
>right, now that you're done with college, it's time for you to pay back all that money plus all the interest
>oh, can't find a job with your degree? No worries, just put on your credit cards and pay them off

No, ALL those born between 1945 and 1979 and those who reproduce their way of life.

Fucking kikes like you OP.

Where to start based on personal experience...
I dont qualify for loans unless they have massive interest rates or some rediculous downpayment I dont think I can or even want to afford. No reason to shovel off my hard earned money to some jew sitting behind a desk.

I didnt go to college in an effort to keep my debt down, avoid coming out with little job availability, and seek to "work my way up" like days of old which hasnt worked out in the fucking slightest. Companies dont take care of their employees as well as they used to and offer little reason to stay long term so I am slowly learning to create my own reselling business.

I pay for things with cash, and have a small line of credit to use for emergencies which is partly the only reason i have any credit at all. That and having utility/rent bills in my name.

Shit is fucking expensive interest aside; so I dont make large purchases like a house or start a family. Gotta put yourself in debt to have credit, and I live a simple life.

whats her name?

846 credit score reporting in

Shit jobs combined with bad decisions.

Because baby boomers didnt have the mind to set their kids up with shit or leave any kind of legacy.

>millenials
>born on and after 2000
>all under 18

OF COURSE THEY HAVE SHIT CREDIT SCORES

Soe Gschwind-Penski

That's not what millenials are shitface

How's it going, Dad?

allow me to re phrase

1995 to 2005, most are still under the age of 18

patreon.com/Soembie

OY VEY GOY your credit score is bad. We have to sell you this credit for 20 times the interest rate we would do normally. Because that makes it easier for us to force you into bankruptcy, hence we will take your home, your ground, your familiy and your dignity but dont be sad goy your soon to be ex-wife will have jamal who is soros approved with infite handouts and your last shekels she will do fine.


TL;DR FUCK CREDITSCORE LETS FIGHTVLUB THE SYSTEM

early 1980s to 2000
u dum fagit

I recently turned 24 and i have an "excellent" credit score.
4 loans, all paid right on time. One of them was paid 2 month earlier than required.

It's about setting goals and money management. When you don't buy the things you don't need and don't indulge yourself too much you can manage your money pretty well.

It's strange though. We were raised on videogames, some of them required pretty heavy planning and perfect execution of strategies. They should've been an example for those 98%.

Everyone I know believes the system is broken in the first place so they essentially refuse to play the hebrew's game. My buddies and I all went straight into manual labor after high school to avoid taking on crippling debt.

Credit is a jewish trickery and millenials dont have discipline.

It's the combination of a failure

We've been jewed harder than any who came before us

thanks

the meme that baby boomers fucked everything else up for anyone not under the title baby boomer is literally true

that's a big win because goys are becoming useless to moneychangers

fuck you and fuck your people
I cancelled my bank account and now I operate only on cash
Banksters BTFO

want to end NWO? do the same.

Hang every landlord and baby boomer

Then we'll talk about credit scores

I imagine some of it is just because they haven't had credit for very long. I'm 22 and didn't open up my first credit card until about a year ago. I also work for a major auto company so I was able to get a pretty good employee discount on a new car as well as 0% employee financing. Those are really the only two things on my bureau. I have a 750 score, which is good but I think the study was qualifying excellent as 780+.

...

>tfw no credit score
>tfw pay cash for everything

Actually, it's a perfectly acceptable score, about 730, but it's obscenely low because I don't get a loan for anything big, I only have revolving debt which never carries a balance.

27
Married
No kids
Both our credit scores 750+
Ez mode

My secret: pay your fucking bills niggers

I'm 34 and I've never had a credit card or a car payment in my life

>arm tattoo

why

maybe she can be rehabilitated?

dunno

Overwatch caster, tends to ride the Tracer dick.

i want to be soe's little baby tampon boy. i want to turn into a little crying baby and then suck on her breasts. her magic breast milk would turn me into a little baby tampon boy. she would stick her hoo-hoo and i would wait with anticipation spouting little baby goo-goo ga-gas waiting for her to bleed all over me. i want to feel her soe blood inside my little goo-goo ga-ga baby tampon body. i want to absorb her hoo-hoo juies inside my little baby tampon boy body and goo-goo ga-ga like a little rolly-polly baby boy. it would be orgasmic to know i am one with her hoo-hoo soe blood and i would giggle and goo-goo ga-ga and yelp with little baby boy excitement as i roll around in her soe hoo-hoo and revel in her red juices, slurping them into my soft little baby tampon boy goo-goo ga-ga body. then i want her to pull me out and squeeze and wring my little baby tampon boy body so that her soe hoo-hoo blood and juices spill all over her soe face. it would hurt and i would scream in pained goo-goo ga-gas as pain envelops my little baby tampon boy body until i reach full climax and turn back into grown human man.

Holy fuck, her face just makes me want to punch her, and I'm not even a violent person. That fucking fake smile makes me mad.... why do pics of her keep appearing on here??

815
built my credit since i was 18
31 now
0 debt
dont spend what you dont have
dont take student loans
get a fucking job

its not like its a big secret or something

>65 and going strong with 3rd wife
>didn't go to highschool
>got trained in tech on the job
>made upper management at 22
>pension
>stocks
>2 homes
>120k a year "consulting" part time
>60k sports car

>what do you mean 5 years experience son its an entry level position!

>when I was your age I practically ran the company and I didn't finish school!

>you just have to work hard... like I did.

Special hell for boomers.

Because Sup Forums tends to fap to Overwatch porn

...

Don't be surprised when your inner beast and viking DNA flourish when The Great Race War and WW3 break out.

>tattoos
D R O P P E D
R
O
P
P
E
D

Then you don't have any credit and they can't even look you up in their system and won't give you loans because its a systems designed specifically to prey on people who need to spend more than they have.

Born in 1984.
801 fico, own a house, 2011 corvette, 52k gross per year. It's all about managing your money, knowing what you can and can't afford. I charge everything on my credit card, even my mortgage, but it gets paid off each and every month. Just be smart with your money.

good luck buying a house

Soe's so fucking cute and sweet. I'd treat her to some fancy restaurant, than take a long romantic walk with her, holding hands and talking about philosophy, art and dreams. Then I'd invite her to my home and ravage her hot ass for hours, and forcing my cock up her throat so she chocked on both the throbbing cock and her own rectal juice. I'd then proceed to cum on her cute innocent face. Then. as the ultimate love gift, I'd carry her in my arms to the tub and let my piss wash away the semen and last dignity from her. I'd wisper "I love you" and give her a tender smile, and cut her throat from ear to ear with a knife. Covered in her own warm blood, she'd look straight into my very soul, forgiving, understanding. A bubble from blood and saliva would burst between her lips, then she'd die. After some additional lovemaking, I'd stuff her into a bin bag. Three weeks later, some playing children will find her mutilated and desecrated body in the forest.

They will be scarred for life.

Make it stop ffs. You can just tell she uses her looks and the fact that she's a girl to get attention on the internet, and hat's what people are giving her... FUCK

>caring about good goy points

From what I understand, you need to actually borrow money and pay it back in order to get a credit score.

If you're like me, where you're competent enough with your money to only spend what you have (I only spend a fraction of my income, and most of that is towards travel to and from work), you don't even have a credit score.

Oh, I cant wait for the day... tired of this shit going on in the world by now

...

Who /2400shitter/ here?

(((fucking leaf)))

"Ooh, look at me, I'm a girl gamer and I make pizza while making a mess and getting flour on my fucking face, I'm so playful and cute..."

credit is a jewish lie

i want to cum inside Soe and impregnate her

incorrect.
i can get my credit score in 2 places, my bank, and my discover card, thus i know its 815, which is excellent rating.
student loans isnt the only way to build credit dipshit.

why do girls do this

the selfie is completely unnecessary. take photos of the food you attention whoring cunt.

IKR. It's totally un-fucking-necessary, and makes you look like a fucking tool for everyone who can see past her fake ass smile.

she's trying to show off her cooking skills so someone would wife up her

I just got cleared for a loan to a new house. Got the lowest possible interest rate and was told they were impressed by my current economy.
I'm just above minimum wage and saved up for a new car (paid in cash) and payout on the house in one year.

Yea you used to be able to do what people did 30 years ago and do things like take out a loan, never use it and just pay it back with interest as a good faith. Now you can't do that without a bunch of credit and they punish you for paying off the balance. You actually have a better score faster by dragging the thing out with a minimum payment.

Some niggers gotta eat, not throw 20% on top of shit they can barely afford in cash.

Seems to be either that they are stupid and treat credit cards and student loans like free money without realising rhey have to pay it back.
OR
Option B is that some millenials don't actually bother with shit like credit cards.

...

Good goy, pay them fees for the privilege of loaning them your money for free so you have more flexible interest terms when you need expensive loans from them.

>having a credit card

so shoot the food

all girls do this stuff and it's so stupid, noone cares about your stupid mug, if you are showing food then show the food.

Fuck having a credit score. It's simply another number that Jews would have you chase.

I have a newish car, a mortgage through my credit union for 4%, and I don't have a fucking thing on my credit report. I can't even get a regular credit card because they think I am a liability with my near 100k income. I say let the fucking retards user their "formulae" to determine who to try and make money off of, just stop participating and get your mortgages in house with a local credit union. You will have to be a member for a few years to show your wealth management ability.

NIGGER I LITERALLY HAVE A 750 FICO SCORE

FUCKING KILL YOURSELF

>tfw poor credit

It's not a fun place to be

The reason I don't have an excellent score (715 so still good) is that I have only one card and it's been active for only 3 years or so. I've never missed a payement and have never had a standing balance on the card. However I get docked A LOT because of my one card and time active. Kinda dumb.

>2% of millennials have good credit
>Absolutely no millennials have good credit
Nice reading comprehension.

Up to 40% or more with student loans have defaulted.

>((Gschwind-Penski))

paying bills is right...

to bad my medical outweighs the house hold income atm

fml

again, incorrect.
if you pay off your credit card each cycle there are zero interest fees, and you still get the cash back bonuses.

again, just dont spend what you dont have, make sure you have it in your checking account and pay it off at the end of the month.

hell you could put a WoW subscription on it and in a few years youd have good credit too, just a tip for you since you seem to be clueless and never leave your basement.

This is what happens when you're already 100k in debt before you get your fist job

I fucked her once in Berghain.

>credit
>a measure of wealth
It's a measure of how well you pay your debts. I make $24k a year and I still have a credit score of like 760 because I use a credit card and pay it off while never maxing it out.
Hell, you get free money for doing this, so why not?

I banged her a few years back

when she still had the penis??

Eh, I'm right at 700 and all I do is pay my car bill, pet insurance, cable (under my name even though family uses), and small student loan I used once (was 2000 now 500) with one year left of college.

Yes because bonuses and miles are just as good as the cash you should have been given for loaning them free money.

what the fuck is "loaning them free money?" you mean a checking account? you need one if you want a direct deposit paycheck. of course youd know this if you had a fucking job.

a checking account isnt the same thing as a savings account, which i think youre getting confused with, and i agree, a savings account is a joke for a long term investment.

I have "VERY GOOD" credit score.. but not Excellent. And according to Fico, it's because I didn't take out some big giant installment loan.

Wrong pic OP.