Credit score jumped 100 points within 8 months

[666 ReVeNGe 666]

I got a 740 outchea

I can't lie.....it was solely a high credit card balance that fukked me up brehs

Be careful with them tings

 

[SPACE IS FAKE]

How sway

 

[HalfwayHandsome]

How sway

 

[666 ReVeNGe 666]

How sway

I pay down the balance on a credit card while also getting my credit limit increased

I was at 90 percent utilization and got it down to 20 percent

And then I called the credit card company and ask them to increase my credit limit because my salary went up and I also asked if they had any special offers such as no APR xcetera and they hook me up

 

[Truefan31]

yup. keep cc balances under 20% to maximize credit. Also, having a low debt to income ratio helps too.

I understand the perceived benefit of a good credit score but in reality it's a racket. getting in debt repeatedly just to have banks let you get into bigger debt. It's why cash is king.

 

[STEVE]

I got a 740 outchea

I can't lie.....it was solely a high credit card balance that fukked me up brehs

Be careful with them tings

Same happened to me and I am back in business over 720! I cut them all up so I don't blow them on shyt LOL!

 

[Remote]

Good stuff OP

I didn't even realize but I got my score in the mid 700s.

 

[666 ReVeNGe 666]

Good stuff OP

I didn't even realize but I got my score in the mid 700s.

Almost at 800 now

 

[666 ReVeNGe 666]

yup. keep cc balances under 20% to maximize credit. Also, having a low debt to income ratio helps too.

I understand the perceived benefit of a good credit score but in reality it's a racket. getting in debt repeatedly just to have banks let you get into bigger debt. It's why cash is king.

The benefit is...both getting fukked over in a jam if I need a new car.......my coworker just one cause hers broke down and she paying 14 percent APR.

my girls mom pays 20 percent APR

that's a damn credit card interest rate

My APR is 2.8 when I had a 700 now I got a 787 so imagine if I need a new car...Probably get 1.99 APR

And when I need a house etc...or other emergencies

 

[Easy-E]

Someone break down credit utilization for a breh?

 

[Milk N Cookies]

pay down the balance on a credit card while also getting my credit limit increase

keep cc balances under 20% to maximize credit. Also, having a low debt to income ratio helps too.

Can this be moved to the 6cert area?

 

[Ronnie Lott]

Almost at 800 now

 

[666 ReVeNGe 666]

Someone break down credit utilization for a breh?

Balances divided by overall credit limits

If you owe 25 dollars on a 100 credit card your utilization is 25 percent.

 

[666 ReVeNGe 666]

What?

 

[Ronnie Lott]

What?

What state do you live in?

What do you do for a living sir?