My credit score is 725. What can I do with it?

[Mowgli]

You could buy a house if you had the money

 

[Mowgli]

I got 736 and this shyt all is a scam. They want history.

You must be black.

Keep up the pace they change up the tempo

 

[Memorial Stadium Piru]

How do you feel about yr mom doing that?

I doubt she was doing it as a positive but it feels like it was almost a good thing she did?

She was a single mother raising 3 kids doing the best she could

 

[Memorial Stadium Piru]

WELL THERE ARE A COUPLE OF THINGS. YOU COULD KICK OFF A SIDE HUSTLE. SINCE YOU AREN'T DOING ANYTHING WITH YOUR PERSONAL CREDIT NOW, LOOK INTO A DUPLEX.

YOU COULD LIVE RENT FREE ON ONE SIDE AND HAVE THE TENANT ON THE OTHER SIDE FRONTING THE MORTGAGE. AFTER 2 YEARS OF STACKING, TAKE YOUR LIL DOWN PAYMENT AND JUMP TO A NICE SPOT OF YOUR OWN.

THAT'S PROBABLY WHAT I WOULD DO.

I was looking into real estate but I don't have the capital rn & South Florida real estate market is retarded

 

[Dameon Farrow]

Regardless of the score I'd need to see the actual report to know your options. I'd say damn near anything unless your debt to income is bad. DTI is a killer.

 

[Breh Obama]

We are truly living in a pyramid scheme

 

[Mowgli]

That goofy ass brotha filming was kee Keeing a little too much for me.

 

[MR. SNIFLES]

I was looking into real estate but I don't have the capital rn & South Florida real estate market is retarded

FHA IS 3.5% DOWN. THERE ARE DOWN PAYMENT ASSISTANCE GRANTS YOU CAN GET ALSO. MY COWORKER IS CLOSING ON HERE HOUSE NOW. 235K WITH 1500 OUT OF POCKET.

 

[Mike the Executioner]

Don't put yourself in a position where you need a credit report. That will drop your score way down and it will take a couple months to get it back up.

Matter of fact, don't do anything. Ever. The more you care about your credit or any of that financial mumbo-jumbo, the more you risk ruining everything. Just be a good little boy and pay your bills on time.

Don’t do nothing with it if you don’t need to. I can tell you what not to do with it, which is fukk it up. But I ain’t no creditoligist so my post likely won’t provide any value. Im just here to make jokes and stunt on nikkas

 

[Ahadi]

Don’t do anything.

Use your credit card wisely. Low utilization. Stay under 9%

As soon as you use it pay it off. Only pull when you absolutely have to. (Apt, house, etc)

 

[MajesticLion]

LMAO @ that she incurred

 

[@OffHalsted]

Stunt on nikkas

 

[Son Goku]

Stunt on nikkas

 

[Spence]

Join Amex gang and treat the card like an extra debit card. When you launder money through them they reward you heavily for it.

 

[Red11]

Don’t do anything.

Use your credit card wisely. Low utilization. Stay under 9%

As soon as you use it pay it off. Only pull when you absolutely have to. (Apt, house, etc)

Like seriously... borrow money. Hope you can pay it back. Thats about all you can do. I never understood why people care soooo much. If you don't buy the 2 big ticket items (house/car) , what else? Going into debt to rent out a home for AirBnB/rent sounds like stress to me.