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Posted on 9/7/25 at 4:18 am to lsu xman
Who do you think can get the bigger mortgage? An 820 with AGI of $80k or a 720 with an AGI of $300k. BTW, they will both get same interest rate. Credit score doesn't remotely reflect wealth or buying power.
Posted on 9/7/25 at 4:31 am to deathvalleyfreak43
we paid off our house when we sold it and my credit score dropped 35 points- it makes no sense. so i'm gonna stop worrying about it.
Posted on 9/7/25 at 4:38 am to Grievous Angel
quote:
The irony is it would be higher if I carried debt.
It's a dumb system.
Yep, and it’s a system designed to keep you (not you specifically) in debt and keep you a wage slave until you are able to retire in your 60s or 70s (maybe) and enjoy what precious few healthy years you might have left ., just because it’s a system accepted by the masses doesnt mean that it’s any less dumb .
Posted on 9/7/25 at 5:10 am to deathvalleyfreak43
Over 850 according to Mazda finance a month ago. Didn’t even know that was possible.
Posted on 9/7/25 at 5:41 am to deathvalleyfreak43
These threads that ask such personal information baffles me. I have zero interest in what the credit score of someone else is. Being the youngest in my family and watching my older brother continually ruin his credit taught me a lesson to always take care of my business and not to buy more than I can afford. Pretty much everything is paid for at this point.
Posted on 9/7/25 at 6:01 am to Ponchy Tiger
quote:
not to buy more than I can afford
Below means
Invest difference
No matter the credit score
Better formula
Posted on 9/7/25 at 7:50 am to Gusoline
quote:
828. Im debating closing my first card and taking the hit so i only have my usaa one to worry about.
826 and I open and close one every year
Posted on 9/7/25 at 8:23 am to LSUfan4444
quote:
...and I open and close one every year
You've got my attention.
What's the deal with this?
Posted on 9/7/25 at 8:44 am to deathvalleyfreak43
Just checked it this morning on my Discover account - 820
Posted on 9/7/25 at 8:47 am to Contender54
quote:
You've got my attention.
What's the deal with this?
I will rotate through different cards on a 4-5 year basis for the sign on bonuses. Hit the minimum spending limit in a month then cancel before my one year anniversary and move to another card. In another 4-5 years, I'll pick up that card again and get the sign on bonus. Chase Sapphire just went to a one time offer on their bonus so I won't be picking that car up again if/when I drop it but a constant rotation between Cap 1 Venture, Amex, Southwest Visa, etc.
Posted on 9/7/25 at 9:59 am to deathvalleyfreak43
860
Posted on 9/7/25 at 10:01 am to TyOconner
quote:pay all bills on time and pay some off, make more money.
What’s the secret?
Posted on 9/7/25 at 10:39 am to Skeeterzx190
quote:Not a flex…
Over 850 according to Mazda finance
Posted on 9/7/25 at 11:53 am to deathvalleyfreak43
837
Not a joke
Not a joke
Posted on 9/7/25 at 11:58 am to Demshoes
quote:
Not sure what my score is but I just financed a used 2010 Civic and got a 35% interest rate. Is that good?
My 505 score got me 22% from Credit King on my 2013 Kia Optima. Complete with blacked out windows, personalized tag, air freshener, and side scrape from the gas pump. You can smell this burnt skunk coming from a mile away.
This post was edited on 9/7/25 at 11:59 am
Posted on 9/7/25 at 1:15 pm to deathvalleyfreak43
My dad never had a credit score. Never had a cell phone, credit card or a computer. Never saw him pay for anything except in cash.
Posted on 9/7/25 at 1:52 pm to Epic Cajun
quote:
dropped 10 points when I paid off a vehicle last month.
Tells you everything you need to know about the credit industry.
Posted on 9/7/25 at 1:58 pm to deathvalleyfreak43
1 point higher than the highest score posted.
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