re: My credit keeps dropping.....

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Wait.. What's going on here?

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Just checked again and I'm actually 871.25 now.

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new car she got 0.99% interest rate

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We got .9 for 48 months.

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Has always been right at 800, or slightly above

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It still just keeps dropping little by little each month. It’s not terrible yet, but I don’t want it getting down to 700. Any advice?

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So whats it at now, and how many months has it taken to get there (from 800ish)?
If you are even close to 700 then something significant has happened to your credit and it will show up on your credit reports.
Pull your reports at annualcreditreport

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Also, figure out which cards do not require a hard pull to increase your limit.

Request a limit increase every 6 months.

The additional revolving availability will boost your score.

I have four cards now that have higher limits than my yearly salary. Each are only set to auto pay utilities, a bennys membership, or a drift scented air freshener.

I use the amex platinum to pay everything else to farm points/get free product insurance.

My citi black card provides a sub 9% loan up to the limit. Anything under 10k I finance on it and pay off in under 12 months. I pay slightly more in interest but do not have the credit pull or have to move money.

At the very least, try to 50k available in revolving. After five years of constantly requesting bumps, I have... A shocking amount


You need at least one installment account that can be left open for at a minimum of 18 months at any given time.

When I was mortgage free, I used toys. Atvs or side by sides financed at sub 4%. It wasn't ideal, but it kept the score rising. Now with a large land loan, I let it do the heavy lifting.

I went from a ghost a few years ago to where I am now.

ETA: I wanted to add, thr amex platinum has a 3.99 flex pay option for 12 months for other items. I just realized it this morning and will no longer be using the citi card for that purpose.

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Holy shite, all this for a credit rating. Ours is between 790-810 and we do none of that, we don't have any debt except our mortgage and often dont use a credit card for months at a time.

Are a few points of credit rating worth all that shite?

totally agree. I used to be the type trying to see how high a FICO I can possibly get but whats the point? The highest credit tier I seen someone use is 760 so its wasted energy trying to figure out why your score is 790 vs 800. Whats even more fun is leveraging your high score for free money with sign up bonuses. The inquiries and tradelines drops your credit a bit but again who cares if you are already in the top credit tier?

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as dave ramsey says, a credit score is the "i love debt score"

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What if you have an 800 credit score and no debt? What then?

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