Anyone else been paying down credit while nothing is open?

I stay out of credit card debt because it’s moronic to carry.

You can have good credit without carrying a balance. I have a good score and never carry a balance.

You came in here to brag about upgrading to a “good” credit rating...this isn’t going to go well for you.

I don’t have anything to pay down

How shitty did you handle your identity theft that you were stuck with their credit card debt? Bad troll.

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subtlecreditscorebrag

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Very.

My credit score was over 800 before Covid and is still up there. COVID has honestly not affected my family a whole lot because we didn’t do much eating out before. I love to cook so with the exception of the occasional Sullivan’s, Ruffinos, or Fleming’s outing, we mostly eat at home.

I been saving a shite ton of money.

As a family we cut our going out to eat from 2-3 nights week to maybe 1 or 2.

I eat lunch at home.

I put gas in my truck maybe twice a month as opposed to every 5 days.

I've been working 50-56 hrs week from home.

Wife got a raise.


Savings is looking real nice.

We do have 1 CC with a small balance that is paid monthly.

Got my score from 655 to 722.....

I didn’t have any credit card debt or any debt at all and an 800 credit score. That gets you laid at my age.