I never thought a credit score could reach this low
- Thread starter RadaMillz
- Start date
CashmereThoughts
Veteran
CashmereThoughts
Veteran
Why? It’s a joke and if you just play the game you will be top tier.4 points above "Ain't shyt" !
Real talk , I hate the credit system and I say this as someone that's ok.
You can not pay your bills, still win disputes and be an 800 player with all the perks
MustafaSTL
Achievement In Every Field of Human Endeavor
You're now in agreement with my original sentiment that credit scores are just an indicator and it's your credit history which is important in decision making. And there's more than one agency that will score you differently.
You lack comprehension skills so I've no interest really in replying further. Other than to say that I have flawless credit history, without a single late payment or default in over 15 years to in excess of 10 credit cards, in addition to many other credit lenders. Not subprime products either. My credit score? In the 200s. Crazy, huh?
And this is a direct reply.
I'm out, peace!
was this a serious post? A flawless credit history and a credit score in the 200s? Hahahaha.
Yes it was serious. I'm not about to dox myself but here are screenshots I've cropped from my report.
I've cleared and closed a few cards since that post in preparation for applying for some others so my score according to one agency has jumped a little since, but receipts...
It went up another 58 points yesterday. Obviously before that it was in the 300's, and before that in the 200's.
Credit cards currently down to just 9..
Perfect payment history, not a single missed or late payment..
Lenders don't use your score. They use the information contained within your report.
Screenshot from my friend's report who can't manage his money to show you sub-300 scores are possible.
JoelB
All Praise To TMH
Yes it was serious. I'm not about to dox myself but here are screenshots I've cropped from my report.
I've cleared and closed a few cards since that post in preparation for applying for some others so my score according to one agency has jumped a little since, but receipts...
It went up another 58 points yesterday. Obviously before that it was in the 300's, and before that in the 200's.
Credit cards currently down to just 9..
Perfect payment history, not a single missed or late payment..
Lenders don't use your score. They use the information contained within your report.
Screenshot from my friend's report who can't manage his money to show you sub-300 scores are possible.
I can almost guarantee your utilization is high as shyt on your credit cards... that's whats dropping your score.
Payment History is only 35% of your score. Fico is factoring in other things too.
Credit Mix
Average Age of Credit
Utilization
Hard Inquiries
those are the things that impact your 3 digit score. In addition to that, FICO has hundreds of other 'reason codes' they could use to deny you funding.
the 3 digit FICO isnt everything, but its accurate in determining risk to a bank.
With that being said, salute to you on the recent score bump
Your credit score can't go up 58 fukking points in one dayYes it was serious. I'm not about to dox myself but here are screenshots I've cropped from my report.
I've cleared and closed a few cards since that post in preparation for applying for some others so my score according to one agency has jumped a little since, but receipts...
It went up another 58 points yesterday. Obviously before that it was in the 300's, and before that in the 200's.
Credit cards currently down to just 9..
Perfect payment history, not a single missed or late payment..
Lenders don't use your score. They use the information contained within your report.
Screenshot from my friend's report who can't manage his money to show you sub-300 scores are possible.
Now not only were you below the lowest possible score at 200, but your buddy has a 165
I don't know what's in this lie for you, but you're dedicated to the bit
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No matter how low or dumb I could possibly feel, I take solace knowing that I will never be as dumb as some folks on thecoli
I mean yeah it could .. but breh is using a screenshot from credit karma it looks like to prove payment historyYour credit score can't go up 58 fukking points in one day
Now not only were you below the lowest possible score at 200, but your buddy has a 165
I don't know what's in this lie for you, but you're dedicated to the bit
I paid all my cc debt to 1% in January and when the bureaus reported my score went up over 100 pts
Not in one day. An increase of 100 points in a month is rare.I mean yeah it could .. but breh is using a screenshot from credit karma it looks like to prove payment history
I paid all my cc debt to 1% in January and when the bureaus reported my score went up over 100 pts
What's considered high enough because I have a score of 790 and credit karma doesn't suggest anywhere near that amount. I recently just got a credit card with $5k the other day.
OperationNumbNutts
Superstar
FICO & Vantage both set the lowest possible credit score at 300. However, almost nobody has this low of a score. In fact, according to FICO, the average credit score in America is 704. A bad FICO credit score ranges from 300-579, while a bad Vantage score ranges 300-499.
The username to post correlationKick yourself in the nuts for posting.If you are a women, kick yourself in the ovaries. They are equivalents.
