I've given up on getting a good credit score

[BrothaZay]

I paid everything on time for years. Letting debt fall off etc yet every little thing that can happen Damn near brings my score bacc down to where I started. At this point I don't even care anymore


Increasing your income > good credit

 

[CodeBlaMeVi]

You really want both. More income is better and should help you get to better credit.

 

[BaggerofTea]

You need credit, I make 100 plus a year and have so so credit. It's a pain in the ass

 

[BlackBall]

credit looks washed in 2020

 

[Morose Polymath]

You should give up on making new threads too breh

 

[BrothaZay]

You should give up on making new threads too breh

I was gonna disagree but you're a poster of the year so I might stop

 

[GoFlipAPack]

My credit score dropped 32 point this month bc I paid off all my debt except my mortgage. I was sitting at 764 before it dropped.....puts me in a whole different credit category

 

[Deflatedhoopdreams]

You will save soooooooo much money in the long run with good credit breh.

As you get your debt under control and have a couple credit accounts with low utilization and great payment status, you will have a good credit score.

Get one credit card. Buy gas with it every month. When the statement comes pay it off in full and your credit will eventually sky rocket

 

[Deflatedhoopdreams]

My credit score dropped 32 point this month bc I paid off all my debt except my mortgage. I was sitting at 764 before it dropped.....puts me in a whole different credit category

Anything over about 720 is going to get you the best interest rates possible. Stop it

Unless you are about to buy a house or a car TODAY. Those little credit score swings mean nothing.

 

[A Tribe Called Quest ™]

Anything over about 720 is going to get you the best interest rates possible. Stop it

Unless you are about to buy a house or a car TODAY. Those little credit score swings mean nothing.

When you pay your credit online, there's an option to schedule the payment instead of doing that BS day in the middle of the month they assign you. I usually just schedule a day at the end of the month online, and pay my credit card before then. Would that lower my credit score? I still get statements in the middle of the month (my day to pay is the 13th each month), but I already schedule online a day to pay at the end of the month

 

[FishNGrits]

Put sumthin on it


Just enough to keep the lights on

 

[Eclipser]

Do you have missed payments? If so they will affect your score for 7 or 7.5 years. Just set everything to autopay so that you don't forget.

 

[Deflatedhoopdreams]

When you pay your credit online, there's an option to schedule the payment instead of doing that BS day in the middle of the month they assign you. I usually just schedule a day at the end of the month online, and pay my credit card before then. Would that lower my credit score? I still get statements in the middle of the month (my day to pay is the 13th each month), but I already schedule online a day to pay at the end of the month

What is your credit limit??

I personally try to pay a little during the month to keep my credit utilization down because I use my credit card for everything and keep my money in my bank. So I pay a little during the month to keep that low for when the statement comes my utilization is low (keep it between 5-10%).

 

[kovi]

Your credit age and average age of accounts went because of closed accounts that’s why you’re score dropped.
The system is set up for you to maintain some kind of debt. Rigged but you absolutely need it to prevent potential disasters. Anyone operating without good credit is walking with a knife behind their back.

 

[⠀X ⠀]

I fukked up my credit something crazy

The only thing I’m concerned about is potential employers running my credit