Credit Score

Discussion in 'Current Events' started by Old Man Jingles, Sep 14, 2019.

  1. Old Man Jingles

    Old Man Jingles Rat out of a cage

    i usually run around 825 - 835 out of 850 possible.
    This month it jumped to 846.
    Anyone understand why?

    I have not had a credit card debt in over 20 years.
    It pays to live within one’s means!
    Growing up dirt poor will do that to ya.

    1B948E59-701A-40C7-95F6-C5A862393FE5.jpeg
     
    • Like x 1
    • Funny x 1
    • Winner x 1
    • Creative x 1
    • Beer x 1
    • List
  2. Wrong

    Wrong :))

    No one cares about the bourgeois’s social credit rating.


    Smart people take as much as they’ll give them and never pay it back.
     
    • Funny Funny x 4
    • Winner Winner x 1
    • List
  3. Old Man Jingles

    Old Man Jingles Rat out of a cage

    I know a few people like that ... they are older than me and still working.
    I’ve been retired 7 years now.
     
    • Like Like x 3
    • Funny Funny x 1
    • Winner Winner x 1
    • List
  4. bbsam

    bbsam Moderator Staff Member

    Well he is president of the United States.
     
  5. It's a proprietary algorithm they don't release how they determine your score, they only give a broad outline of how they weight a few different areas of your credit history.

    Also there are dozens of different fico scoring models depending on what you're borrowing for and who you're borrowing from.

    It's total nonsense really.
     
    • Agree Agree x 1
    • Optimistic Optimistic x 1
    • List
  6. MyTripisCut

    MyTripisCut Dumpster, INABAG

    Credit score is just another way for the government to come and take my guns.......
     
  7. bbsam

    bbsam Moderator Staff Member

    It’s also a way for them to decide whether or not to pull the plug.
     
  8. I support that.
     
  9. watdaflock?

    watdaflock? Well-Known Member

    Nice "look at me" thread.
     
    • Funny Funny x 3
    • Winner Winner x 1
    • List
  10. rod

    rod retired and happy

    What credit checker do you use and is it really free? I checked mine years ago and somehow ended up with them billing me 10 bucks a month because they put me on their check once a month list. It took 2 more months to get off it. That was a 20 dollar lesson I didn't need.
     
  11. rod

    rod retired and happy

    My sister-in-law just passed away from cancer and her husband told me that because her credit cards were in just her name he wasn't obligated to pay them off (and they were some BIG bills).
     
    • Funny Funny x 1
    • Winner Winner x 1
    • Optimistic Optimistic x 1
    • List
  12. Wrong

    Wrong :))

    Smart woman.
     
  13. rod

    rod retired and happy

    Yes she was. I never realized it worked that way. I just figured because she was married they would come after him to pay.
     
    • Informative Informative x 1
    • List
  14. Old Man Jingles

    Old Man Jingles Rat out of a cage

    I get them for free with two of my credit card just printed on the monthly statement.
    This I posted in this thread is the only time I got a letter like this and the only thing in the letter.
    And I flew up 20 points or so from the norm?
     
  15. Creditkarma is free but they give a vantagescore not fico.

    Most credit cards offer a free score of some kind. Discover and Amex give an actual fico 8 which is what a lot of lenders use. There's a lot of different models.
     
  16. Wrong

    Wrong :))

    Don’t worry about it, just juggle credit debt from card to card, especially the 0% interest deals they got. The bourgeois are stupid and like to buy debt, let them.
     
  17. Old Man Jingles

    Old Man Jingles Rat out of a cage

    That's basically what I do as well and this year especially.
    I always move stocks around after the first of the year and free up needed cash to get all credit cards paid off.
     
  18. Wrong

    Wrong :))

    Never pay them back, Gay Jesus hates the Jewish banking system.
     
  19. These idiots hand out credit like candy.

    Credit scores are at an all time high. They stopped dinging people's score for medical debt and tax liens. They loosened the mortgage lending requirements. These bozos don't give a damn they know they'll be bailed out if :censored2: hits the fan.
     
  20. Wrong

    Wrong :))

    Not if my vote counts. To hell with them.
    upload_2019-9-15_22-29-3.jpeg