Brehs with 700+ credit..

[JoelB]

My 2 credit cards rn I haven’t used in about 3 months. I keep the balance at 0. I’m saving them for a trip to chicago when I rent a car and need a security deposit. Should I do some small purchases just to have a balance ? They also never gave me bacc my security deposit after 6 months of on time payments for sum reason.

They dont always give it back after 6 months. Thats usually the earliest tho. Just pay on time and you'll get your deposit back.

Small purchases is fine. put gas in your car with it, and then pay it off.

They didn’t send me anything besides an email saying “We've officially launched your credit repair journey by dispatching the first round of dispute letters to the Credit Bureaus! “ that’s from credit sage. And some login information and documents to sign.. smh I cancelled one credit repair company for a more expensive one

lol basically, but its cool tho. this shyt happens to alot of people. You already paid to settle, but cancel that monthly subscription.

I just looked at their website and they are 100% a credit repair company. you dont need them.

 

[Braman]

I never used a credit card a day in my life until I started thinking a I needed it to increase my credit score. The concept is fukking stupid.

The elephant in the room is fukk the credit get your money up. Credit score is the effect, not the cause. If your money right, if you’re disciplined and orderly, if you’re investing etc…..those actions will lend to increasing your credit scores naturally thru your routine. No surprises, bills on time, etc. With age comes wisdom and the only time your credit score comes into play is getting shyt you don’t really want to be financing anyway. Ask yourself.c why does your credit after go UP, when you make the worst investment which is buying a car. Asl yourself, you ever seen white people selling “credit clean up”?

If you find yourself worried about a credit score, it’s a sign those OTHER things aren’t right.

Source: 700+ credit score and it doesn’t affect my life whatsoever. Not even to buy a house. First time buyers gonna get FHA regardless unless your credit is extreme

 

[FukYaFeelings]

They dont always give it back after 6 months. Thats usually the earliest tho. Just pay on time and you'll get your deposit back.

Small purchases is fine. put gas in your car with it, and then pay it off.



lol basically, but its cool tho. this shyt happens to alot of people. You already paid to settle, but cancel that monthly subscription.

I just looked at their website and they are 100% a credit repair company. you dont need them.

If it was a pay to settle why are they disputing is? One thing I’ve learned is to get everything in writing which I didn’t get. I said am I going to get a letter and they said yes but I neva got shyt.

If I settled is it suppose to come off my report instantly?

 

[FukYaFeelings]

I never used a credit card a day in my life until I started thinking a I needed it to increase my credit score. The concept is fukking stupid.

The elephant in the room is fukk the credit get your money up. Credit score is the effect, not the cause. If your money right, if you’re disciplined and orderly, if you’re investing etc…..those actions will lend to increasing your credit scores naturally thru your routine. No surprises, bills on time, etc. With age comes wisdom and the only time your credit score comes into play is getting shyt you don’t really want to be financing anyway. ImAsm yourself, you ever seen white people selling “credit clean up”? Kinda like pay day loans

If you find yourself worried about a credit score, it’s a sign those OTHER things aren’t right.

Source: 700+ credit score and it doesn’t affect my life whatsoever. Not even to buy a house. First time buyers gonna get FHA regardless unless your credit is extreme

Everybody I know what an AMEX card says that shyt is very useful especially if u travel

 

[Wildin]

I have only owned 1 credit card my life, an Amazon card.

What's your line on the Amazon card, if you don't mind me asking. It's financially strange to just have one card. Id love to just have one. I have 3 but they all have high limits.

I have a high line but I nearly stopped using credit cards like 8 years ago.

They dropped my line on one of then which dropped my score a few points.

I had to call'em, they told me I wasn't spending enough.

After a few lies. They evaluated (no hard check) what I could afford and upped my limit 15k. I splurged a few grand and paid it off over 6 months. And everything went back to normal as far as my score. And the line is still too high, a nonsensical mf could end up in some life altering debt. And I know all too well not to get trapped.

 

[FukYaFeelings]

What's your line on the Amazon card, if you don't mind me asking. It's financially strange to just have one card. Id love to just have one. I have 3 but they all have high limits.

I have a high line but I nearly stopped using credit cards like 8 years ago.

They dropped my line on one of then which dropped my score a few points.

I had to call'em, they told me I wasn't spending enough.

After a few lies. They evaluated (no hard check) what I could afford and upped my limit 15k. I splurged a few grand and paid it off over 6 months. And everything went back to normal as far as my score. And the line is still too high, a nonsensical mf could end up in some life altering debt. And I know all too well not to get trapped.

I definitely use to be one of dem nonsensical mfs who would have ran dat card up. Not nomo doe

 

[Sir Richard Spirit]

Don’t keep it at 0, just under 10%. I’ve done it twice since I’ve been an adult. fukked my credit up to the point of it being like 480-520ish.

10% across multiple cards tho. Not just 1

 

[JoelB]

If it was a pay to settle why are they disputing is? One thing I’ve learned is to get everything in writing which I didn’t get. I said am I going to get a letter and they said yes but I neva got shyt.

If I settled is it suppose to come off my report instantly?

Exactly. send them a message in the portal and ask them.

If u dont speak up they will try and finesse and charge you several months until u catch on that they not doing shyt.

 

[FukYaFeelings]

Exactly. send them a message in the portal and ask them.

If u dont speak up they will try and finesse and charge you several months until u catch on that they not doing shyt.

Ima call em tomorrow, thinc dey closed now. But yea they will finesse me. They did offer a 90 day money bacc guarantee if da shyt ain’t gone in 3 months doe.

I just set all my reoccurring subscriptions on my two credit cards to keep em active.

I’m guessing the more you spend every month the more likely they are to give u a higher credit limit because everytime I ask for an increase they ask how much I plan on spending each month.

 

[Ezekiel 25:17]

CREDIT?? WE ONLY PAY WITH CASH OVER HERE PLAYA

 

[Payday23]

Nah getting a 700 is the standard. I want to know how yiu get a 250?

 

[Devil Plisken…CMS]

Any tips on how to get dere? Besides just paying bills on time ?

fukk em in the ass

 

[FukYaFeelings]

Nah getting a 700 is the standard. I want to know how yiu get a 250?

My shyt ain’t neva been dat low

 

[Payday23]

My shyt ain’t neva been dat low

Like i mean its impressive in the worst possible way

 

[Wildin]

I definitely use to be one of dem nonsensical mfs who would have ran dat card up. Not nomo doe

2 things either happen.

People in financially dire situations use their cards too much, not even splurging, just buying gas, bills, food and end up lost in debt.

Or a mf gets that card and runs it up.