Are you keeping your credit utilization under 30%? Do you have a CC sir? Why don't you have a CC sir

[CobaltBlue]

Elaborate please.

Your access to all sorts of credit dramatically increases when you can keep your card limits below 9%... Say for instance you’re just starting your credit journey or rebuilding. The easiest thing is get a secured card, keep the utilization low (9% or less), never miss one payment. After a few months get an unsecured card and do same thing. This process can go on n on. Your score increases with 100% payments and very low utilization. The more you look like you don’t need credit the more institutions are dying to give it to you. Next thing you know you about to start your own business with other people’s money and cop that Dodge Ram TRX



But it’s definitely a process.

 

[Robo Squirrel]

Your access to all sorts of credit dramatically increases when you can keep your card limits below 9%... Say for instance you’re just starting your credit journey or rebuilding. The easiest thing is get a secured card, keep the utilization low (9% or less), never miss one payment. After a few months get an unsecured card and do same thing. This process can go on n on. Your score increases with 100% payments and very low utilization. The more you look like you don’t need credit the more institutions are dying to give it to you. Next thing you know you about to start your own business with other people’s money and cop that Dodge Ram TRX



But it’s definitely a process.

Hellcat mf!

Dap+Reputation

 

[CobaltBlue]

Til' you in too deep.

Lol... naw never that. Not when I crawled out that muck and mire of bad credit I was stuck in for years

 

[CobaltBlue]

Hellcat mf!

Dap+Reputation

Yessir!

 

[Red]

A credit score is just an indicator. Different finance companies will evaluate you differently based on their preferences for what type of customer they're seeking.

I've just reduced my utilisation over my 7 credit cards from around 35% to around 8%. Why? To allow time for the credit card companies to send me offers to entice me back into loading up my cards. When they do I'll load them back up with debt, all at 0% and invest that money into other things that'll make or save me money. Rinse, repeat every couple of years.

Pay your credit card in full every statement. Only make minimum payments when you're on a 0% deal. Never miss or be late for a payment.

People agonising over credit scores like they're supposed to mean something. What do you think mine looked like when I was applying for so many credit cards? I was in the low 300's and it didn't stop me getting access to more credit. Your payment history is the biggest factor in most risk assessments. Make them on time and never miss any.

 

[malleymal]

You over 800?

If I could I would rob you.

But THAT is the point if a CC.

Congratulations on your credit score.

Why haven't you went and got a Hellcat off the lot without paying A SINGLE PENNY?

809 now and 4% credit utilization playboy.

if I ever cop a hellcat, you got one too

 

[Mr. Jack Napier]

0%, and I'm knocking on 800 score's door.

 

[Robo Squirrel]

Has your credit score improved?

 

[Robo Squirrel]

@humminbird

You bum!

What is your score?

Don't lie...

 

[humminbird]

@humminbird

You bum!

What is your score?

Don't lie...

it's in the 700's
I have two main cards that I use one with subscriptions and one for living costs both on autopay.
I've been doing this for about 3 years now

 

[Robo Squirrel]

it's in the 700's
I have two main cards that I use one with subscriptions and one for living costs both on autopay.
I've been doing this for about 3 years now

3 years?

What was your score 3 years ago sir?

If you don't mind my asking?

 

[humminbird]

3 years?

What was your score 3 years ago sir?

If you don't mind my asking?

600's but I'm still relatively new at t
I got my first card about 4 years ago and then I got another one 2 years ago.
edit wait I was in high 500's student loans messed me up for a minute

 

[O.iatlhawksfan]

I compute 30% of the credit limit and look at that as the REAL credit limit

 

[Bone Bender]

I got a 3500 limit on my card. I probably use around 10% of it every month for the last year.

My FICO score is around 760.

How would using 20 percent more of my balance help me?

 

[Robo Squirrel]

600's but I'm still relatively new at t
I got my first card about 4 years ago and then I got another one 2 years ago.
edit wait I was in high 500's student loans messed me up for a minute

Good sir you are full of shyt!

@humminbird

*with all due respect

I was at 300 and brought my shyt up to 645 in less than a year.

I'll be at 800+ in the same time.

Do you have a wife sir?

Are you tricking on the under at massage parlors sir?

Yeah you are sliding that card on the under.
You not fooling me baby