Age of oldest account is
.. or maybe that's why I'm stuck at 832.. 5 accounts... None over 10 years.. Closed whatever cards I didn't need.. My score never went down.
What changes once you get an 800 or above credit score?
- Thread starter Sad Bunny
- Start date
.. or maybe that's why I'm stuck at 832.. 5 accounts... None over 10 years.. Closed whatever cards I didn't need.. My score never went down.Devil Plisken…CMS
Veteran
They greet me at establishments with a glass of champagne and slippers
lol
Devil Plisken…CMS
Veteran
Yo all jokes aside keep it up
Devil Plisken…CMS
Veteran
The best part is when they treat you like a case of stolen identity first. Then when they find it's really you they treat you like a king while their soul burns slow
Gives me the chills just knowing how good that feels
On everything Max was some good looking p*ssy
ThaRealness
Superstar
Free dikk sucks at the bank 
I’m at 806 nothing changes bruh. I don’t borrow money or do any loans. I guess when it’s that high means you ain’t broke 
And when you not broke you don’t need to borrow. So there’s that advantage of being in the 800s
And when you not broke you don’t need to borrow. So there’s that advantage of being in the 800s
Can anyone give me a description of what is considered an ideal credit mix?
And what is a good income to debt ratio?
Is that just different wording for credit utilization, and if not, what is the difference?
question: since you kept the revolving card open for credit history purposes do you still get charged an annual fee?
Unrelated but MAN she been fine FOREVER
And what is a good income to debt ratio?
Is that just different wording for credit utilization, and if not, what is the difference?
question: since you kept the revolving card open for credit history purposes do you still get charged an annual fee?
Unrelated but MAN she been fine FOREVER
My friend says that his life goal is getting an 800 so I was just wondering
Is getting an 800 credit score similar to the "renting a car at 25" milestone?
What a shytty life goal.
Just practice good habits and many people can get to a 800 score.
When I bought my house 2 years ago I had an 806, didn’t mean that much more than a 760 score. These lenders can still deny you on some fukk shyt anyway.
Seven years ago I got denied a car loan from Wells Fargo even though my credit score at the time was 750
. Insufficient trade lines they said, I had three credit cards open at the time and a car loan paid off years ago, the fukk do I need more trade lines for you to give me another loan
Ms. Quick
“If I don’t eat breakfast I’m fking pissed off!”
There never was an annual fee, at least for capital one secured cards.
Lord_nikon
Veteran
You know whats better than a 800+ credit , paying debt off in full,,, saves more money also...
Fat Fred Jones
Reticent
Lenders prefer to see a debt-to-income (DTI) ratio smaller than 36%. Your DTI is the ratio of your monthly debt payments versus your monthly income.
Credit utilization is something different.This is the percentage of credit you utilize versus total credit limit. For instance, if you have a $1000 credit limit and use $150, your utilization is 15%. That's the basic idea.
If a card has an annual fee and you keep it open, you still pay the fee even if you don't use the card. Some lenders will waive annual fees when asked. Some lenders will allow you to change to a different card without an annual fee and still keep the same account history.
What a shytty life goal.
Just practice good habits and many people can get to a 800 score.
When I bought my house 2 years ago I had an 806, didn’t mean that much more than a 760 score. These lenders can still deny you on some fukk shyt anyway.
Seven years ago I got denied a car loan from Wells Fargo even though my credit score at the time was 750
Wow! This is disheartening, was it racial?