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Factors affecting your credit score
Posted on 12/17/25 at 8:49 pm
Posted on 12/17/25 at 8:49 pm
Slow night for me. So, I logged into a credit bureau, and pulled my free credit report.
Mine are:
I have 1 hard inquiry, and it was in November 2024.
I ChatGPT'd "Your largest credit limit on open bankcard or credit card accounts is too low" and it said, "You only have starter or secured cards
Your cards all have relatively small limits (e.g., $500–$2,000)
You closed a card that had a higher limit"
My lowest credit card limit is $15,000.00 with USAA for my VISA card. Why? Because USAA only gives out a total of $50,000 in credit limits to its customers. My other USAA American Express has a CL of $35,000. I have two other credit cards, one by Chase, and the other by Discover Card, that have over a $40,000 limit on each.
I owe zero. No house. No car. No credit card. No personal loan.
See above.
Do credit bureaus just make up shite?
quote:
Hurting your credit score
Mine are:
quote:
You have too many inquiries on your credit report.
Your largest credit limit on open bankcard or credit card accounts is too low.
Total of all balances on bankcard or credit card accounts is too high.
The balances on your accounts are too high compared to loan amounts.
I have 1 hard inquiry, and it was in November 2024.
I ChatGPT'd "Your largest credit limit on open bankcard or credit card accounts is too low" and it said, "You only have starter or secured cards
Your cards all have relatively small limits (e.g., $500–$2,000)
You closed a card that had a higher limit"
My lowest credit card limit is $15,000.00 with USAA for my VISA card. Why? Because USAA only gives out a total of $50,000 in credit limits to its customers. My other USAA American Express has a CL of $35,000. I have two other credit cards, one by Chase, and the other by Discover Card, that have over a $40,000 limit on each.
quote:
Total of all balances on bankcard or credit card accounts is too high.
I owe zero. No house. No car. No credit card. No personal loan.
quote:
The balances on your accounts are too high compared to loan amounts.
See above.
Do credit bureaus just make up shite?
This post was edited on 12/17/25 at 8:50 pm
23
Posted on 12/17/25 at 8:53 pm to Will Cover
If you have an 820 you will still have things hurting your credit score. Doesn't really matter.
They probably assign 5 things for their report. .002% hanging around could be #5. It is an automated report.
They probably assign 5 things for their report. .002% hanging around could be #5. It is an automated report.
This post was edited on 12/17/25 at 8:55 pm
Posted on 12/17/25 at 8:54 pm to Will Cover
quote:
Hurting your credit score
So you have an 847 instead of 850 because of a few grand in balances on revolving accounts?
“Hurting your score” can just mean kept you just short from a perfect score
Posted on 12/17/25 at 8:56 pm to Will Cover
Credit scores are a measure of how profitable you are.
You sound pretty stingy, hence the dings.
You'll be OK.
You sound pretty stingy, hence the dings.
You'll be OK.
Posted on 12/17/25 at 8:57 pm to Tiger Prawn
quote:
So you have an 847 instead of 850 because of a few grand in balances on revolving accounts?
Last month, I was actually 850. This month, I am 845.
Literally, nothing has changed.
Posted on 12/17/25 at 8:58 pm to forkedintheroad
quote:
Credit scores are a measure of how profitable you are.
You sound pretty stingy, hence the dings.
You'll be OK.
I really don't have any future plans to use my "credit" so to speak, except a credit card that I use montly, and pay off weekly.
Posted on 12/17/25 at 9:02 pm to Will Cover
Just checked mine. 813/794.
Weird because I haven’t carried a loan in over a decade (no mortgage, never had a car loan, and never carry credit card balances over). I pay off my credit card balance every 2 weeks. Other than that just paying bills. Figured it’d be worse since I’m not a debtor’s target audience.
Weird because I haven’t carried a loan in over a decade (no mortgage, never had a car loan, and never carry credit card balances over). I pay off my credit card balance every 2 weeks. Other than that just paying bills. Figured it’d be worse since I’m not a debtor’s target audience.
This post was edited on 12/17/25 at 9:04 pm
Posted on 12/17/25 at 9:02 pm to Will Cover
quote:then why are you pulling your credit score? I have no idea what mine is and don’t care
I really don't have any future plans to use my "credit" so to speak,
Posted on 12/17/25 at 9:06 pm to Will Cover
Last I looked it said something like revolving debt too high or something like that and have always paid off in full every month for 30 years
Posted on 12/17/25 at 9:08 pm to BabyTac
Surprised you have over 800 without a loan. Pretty unusual.
Though if you don't take loans not sure why your credit score matters. Kind of how that works.
Though if you don't take loans not sure why your credit score matters. Kind of how that works.
Posted on 12/17/25 at 9:12 pm to cgrand
quote:
then why are you pulling your credit score? I have no idea what mine is and don’t care
Slow night, for me.
And I received an email from TransUnion.
So, I did.
Posted on 12/17/25 at 9:12 pm to fightin tigers
I agree. Don’t care about my score. Was just shocked it was that high.
Posted on 12/17/25 at 9:13 pm to Will Cover
What was the single hard credit check?
Posted on 12/17/25 at 9:14 pm to fightin tigers
quote:
What was the single hard credit check?
I was planning to finance a vehicle at a very low interest rate, but decided against it, and just paid cash for it.
Peace of mind won out over interest rate.
This post was edited on 12/17/25 at 9:15 pm
Posted on 12/17/25 at 9:15 pm to Will Cover
One thing will tell you all you need to know about these credit reporting companies.
The same company that determines your score will offer to sell you a “service” to raise your score.
They can go frick themselves.
The same company that determines your score will offer to sell you a “service” to raise your score.
They can go frick themselves.
Posted on 12/17/25 at 9:15 pm to Will Cover
You got dinged for being a dork
Posted on 12/17/25 at 9:16 pm to jbgleason
quote:
One thing will tell you all you need to know about these credit reporting companies.
The same company that determines your score will offer to sell you a “service” to raise your score.
They can go frick themselves.
^^^
This.
Posted on 12/17/25 at 9:17 pm to Will Cover
It's all bullshite. I have a 799 because I dont have anything but a few credit cards that I pay off monthly and carry zero balance. No house mortgage, no car loans or anything and I haven't applied for financing in over 5 years. And that was a 2019 Tundra at 0%.
It used to be higher but I don't care to play their credit score games.
It used to be higher but I don't care to play their credit score games.
This post was edited on 12/17/25 at 9:18 pm
Posted on 12/17/25 at 9:19 pm to Will Cover
My credit score is a cool 350.
Posted on 12/17/25 at 9:21 pm to ragincajun03
quote:
My credit score is a cool 350
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