My credit score went up to 530 on credit karma

[beenz]

I was killing the game a few months ago. Then we got a house and I never bounced back.

this isn't a problem. your score is still high, and it only went down because you took on a huge debt with the mortgage. and that's not even a bad debt to be honest. keep paying your mortgage and it'll go back up.

 

[beenz]

Can I check my credit score without it taking a hard hit?

My credit score on credit carma is not going up, credit carma only shows 2 credit bureaus.. I wonder if I have something that’s counting against me in the 3rd.. my credit is not moving at all even though I’m paying my credit card on time every month, I have a zero on utilization. I did have some things go to collection but that was a year ago and been taken care of.

I want to check all 3 bureaus but don’t want to take the hard hit cuz my credit score is weak right now.

an increase in your credit limit also boost up the score. see if ur credit card will give u one. this happened to me twice where barclay cad increased my limit without me asking and my credit score went up both times.

 

[Vilify]

Thanks. Why mine at 790 tho when I missed a minimum credit card payment once?

Were you 30 days late? anything less than that does not get reported to the credit bureau.

 

[Jesus]

Coli knee grows stay in other people’s pockets and garages (or parking spots).

Bc get made the thread no one told him to divulge. STFU fakkit

 

[Reno89]

Now the FICO is prolly much lower
But my shyt was 400 last year
I’m so excited
I can get a new car in a year I keep this up

Build up your credit so you can hopefully acquire a depreciating asset brehs

 

[Patriarch]

Good job. Keep paying the payments on time and in no time you will be in the 800s

This a damn lie.

 

[Reno89]

My current is a 2003 bruh
It runs but I fear I will need a new one soon
And I have few savings

Save up 2 stacks, sell your car, hit up truecar.com, and upgrade. Keep repeating Until you're satisfied with the car you have. I'm cool around 6000 - 7000. Very low depreciation, and no car note.

 

[beenz]

Good job. Keep paying the payments on time and in no time you will be in the 800s

getting to the 800's is really hard. I only know two people in real life who have scores that high. as long as I'm in the 700's I'm content.

 

[big bun]

Bc get made the thread no one told him to divulge. STFU fakkit

 

[GzUp]

an increase in your credit limit also boost up the score. see if ur credit card will give u one. this happened to me twice where barclay cad increased my limit without me asking and my credit score went up both times.

How much it go up ?

 

[YamakaSmacker]

Bought a house in March. Just bounced back to the 790s. My credit karma is always 10-20 points lower than true hard pulls too.
It irks me to no end how they average out my credit history when I get a new card. I don't care if it's brand new. My average credit history shouldn't be 2 years when I've had a credit card for over 10

 

[Saysumthinfunnymike]

getting to the 800's is really hard. I only know two people in real life who have scores that high. as long as I'm in the 700's I'm content.

It happens with time and only time. pay a lot of things with a credit card, keep your balances low, have more open accounts and obviously no collections. dude who took out the mortgage loan above might have had quite a few hard inquiries but those disappear with time some faster than others. As long as you above 750 or so there isn't THAT much difference

 

[Ethnic Vagina Finder]

Build up your credit so you can hopefully acquire a depreciating asset brehs

It depends on how u do it. I had a car note but when I paid it off and made my payments on time it made it easier to buy my condo.

 

[Reno89]

It depends on how u do it. I had a car note but when I paid it off and made my payments on time it made it easier to buy my condo.

You could have gotten yourself a secured credit card, paid off the balance every month, and had gotten a similar result

 

[Ethnic Vagina Finder]

You could have gotten yourself a secured credit card, paid off the balance every month, and had gotten a similar result

Credit card debt and an auto loan are two different variables.

You get a credit card with a low credit score it will be for small money if not a secured one. Then you have to let it build over time. It's a short term commitment if you pay off the card every month. It's good to have because it help builds revolving credit

A auto loan shows long term commitment to paying off long term debt. Even a lease helps more if you make the payments on time and honor the contract terms.