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Posted on 9/5/25 at 8:43 pm to Indefatigable
What's best place to check. Is it free?
Posted on 9/5/25 at 8:52 pm to TyOconner
quote:
What’s the secret?
#2 on maximize credit score list is…
2. Keep Credit Utilization Low (30%)
• Credit utilization ratio = (total balances ÷ total credit limits).
• Aim for under 30% on each card and across all accounts.
• For maximum scoring benefit, keep it under 10% — or even pay balances in full before the statement date so reported utilization is near zero.
An eye on investing for positive spread (ie, return greater than cost of debt) is a wealth-building mindset. An eye on highest credit score is not (necessarily).
If you have built wealth and invested it for long term return, using others’ $ (eg credit) to enable you to keep your wealth invested to earn greater return than cost of debt, while it may hurt credit score, enables greater wealth-building.
To be clear…using an example:
Paying off mortgage, if cost of mortgage is less than the earnings of equivalent $, that is invested, is strangulating wealth-building.
Peace of mind, understandable as it may be, does not necessarily justify focus on credit score vs wealth building.
While it will help your credit score, reducing the net positive earning potential is hurting your wealth building.
If your long-term goal is wealth, then utilizing credit to maximize that wealth-build is paramount, not credit score.
This post was edited on 9/5/25 at 9:35 pm
Posted on 9/5/25 at 9:11 pm to deathvalleyfreak43
843 
Posted on 9/5/25 at 9:19 pm to deathvalleyfreak43
quote:
808
quote:
deathvalleyfreak43
The fake divorce didn’t hurt huh?
Posted on 9/5/25 at 9:21 pm to deathvalleyfreak43
I don’t check mine. No need to.
Posted on 9/5/25 at 9:23 pm to buzwa
quote:
843
Tell the board that you are happy with leaving wealth building on the table…without telling the board that you are happy with leaving wealth building on the table.
If you have all that you need, and are in full control of your time, ignore this post.
If not…
Perhaps you should consider being less enamored by highest credit score and moreso with highest wealth-building mindset.
This post was edited on 9/5/25 at 9:32 pm
Posted on 9/5/25 at 9:26 pm to deathvalleyfreak43
350 x 2
Posted on 9/5/25 at 9:43 pm to deathvalleyfreak43
836 according to Equifax.
Posted on 9/5/25 at 9:50 pm to RanchoLaPuerto
I have to admit mine is just meh. I abhore borrowing money.
Posted on 9/5/25 at 9:51 pm to 4WHLN
351
Posted on 9/5/25 at 9:54 pm to TigerRoyale
Posted on 9/5/25 at 10:01 pm to deathvalleyfreak43
Posted on 9/5/25 at 10:02 pm to TyOconner
808
Have your parents put you on a card when you’re 5 so your history is 30 years old
quote:
What’s the secret?
Have your parents put you on a card when you’re 5 so your history is 30 years old
Posted on 9/5/25 at 10:03 pm to deathvalleyfreak43
745 because I won’t pay con artists that I’ve done deals with like Comcast.
Posted on 9/5/25 at 10:07 pm to deathvalleyfreak43
1
Posted on 9/5/25 at 10:13 pm to deathvalleyfreak43
Was 250 but u got rid if my timeshare and it went up 100 points
Posted on 9/5/25 at 10:21 pm to deathvalleyfreak43
Looking at all these scores, there should be a Tigerdroppings credit card.
Posted on 9/5/25 at 10:56 pm to sleepytime
I went up 2 points since June. Credit scores are for poors though. A high score really just says 3 things. We pay our bills, have done so for a long time, and aint running up a bunch of credit card debt. Smart people save $ and pay cash.
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