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re: Factors affecting your credit score
Posted on 12/18/25 at 8:52 am to YumYum Sauce
Posted on 12/18/25 at 8:52 am to YumYum Sauce
Largest factor affecting my credit score?
My wife
My wife
0
Posted on 12/18/25 at 8:54 am to Will Cover
quote:As a person who has never checked my credit score, why do people look at it? Just curious.
Last month, I was actually 850. This month, I am 845.
Literally, nothing has changed.
Posted on 12/18/25 at 8:56 am to tigerfoot
quote:
why do people look at it?
comes up every time I log on to my bank account and mortgage account?
Posted on 12/18/25 at 8:59 am to Will Cover
The dumbest thing in world. Once I paid off my truck my credit score went down. They said it was because I didn't have enough credit still owed. They told me I should get some credit cards
Posted on 12/18/25 at 9:03 am to Higgysmalls
quote:
They said it was because I didn't have enough credit still owed. They told me I should get some credit cards
many moons ago I was applying for a mortgage and already had been through that a couple of times, the loan officer was discussing my credit score and making comments like that, is that going to prevent you from approving the loan? no, them wtf cares?
Posted on 12/18/25 at 9:04 am to 777Tiger
Ok, I dont do any of that as my wife pays all bills, so I didnt know it was something that flashed up on you.
Posted on 12/18/25 at 9:06 am to tigerfoot
quote:
my wife pays all bills
where do I sign up for that?
Posted on 12/18/25 at 9:16 am to Will Cover
When you deal in cash you really don't care about what your credit score is.
If I had to guess the main thing hurting my credit score is I do not buy anything on credit.
If I had to guess the main thing hurting my credit score is I do not buy anything on credit.
Posted on 12/18/25 at 9:21 am to Snipe
quote:
When you deal in cash you really don't care about what your credit score is.
If I had to guess the main thing hurting my credit score is I do not buy anything on credit.
that's a real thing, a good friend that I grew up with has had a successful business for decades and is a multi millionaire, for years she wouldn't take a salary and paid cash for everything, she bought some investment properties years ago and wanted to finance them but had a little problem initially because she didn't have much of a credit history footprint
Posted on 12/18/25 at 9:29 am to 777Tiger
She could rob me blind. It crosses my mind to get more involved, because she is a woman and going off the deep end isn’t out of the question
Posted on 12/18/25 at 9:30 am to tigerfoot
quote:
because she is a woman and going off the deep end isn’t out of the question
troof!
Posted on 12/18/25 at 9:34 am to Higgysmalls
quote:
Once I paid off my truck my credit score went down.
Mine went down 11 points last yr when we paid off the house. You'd think never missing a mortgage payment and paying it off a couple yrs early would make someone more credit worthy.
Posted on 12/18/25 at 9:44 am to Will Cover
quote:
Dave Ramsey calls a credit score, "The I Love Debt Score." There's a whole lot of truth to that.
This.
There are “enlightened posters” on this board who like to dunk on Ramsey and say his plan is for simpletons, but when I log into credit karma and all it recommends is that I “get another credit card to raise my score” then I don’t see where the lie is.
All you have to do is consider how the credit bureaus make money. It’s not from consumers, it’s from banks. And what do the banks care about? Getting and keeping customers who want to be in debt and who will make timely payments.
Identifying who fits into that description and how well they do so is the only thing credit scores do. That’s it.
Posted on 12/18/25 at 9:49 am to 777Tiger
quote:
that's a real thing, a good friend that I grew up with has had a successful business for decades and is a multi millionaire, for years she wouldn't take a salary and paid cash for everything, she bought some investment properties years ago and wanted to finance them but had a little problem initially because she didn't have much of a credit history footprint
Why do you tell such lies?
Any one in this situation would have a banker and if she had that much money she would likely just utilize an LOC she already had.
The OT pocket watchers crack me up
Posted on 12/18/25 at 9:52 am to Dadren
quote:
There are “enlightened posters” on this board who like to dunk on Ramsey and say his plan is for simpletons,
Because it is. Doesn’t mean it’s a bad plan for simpletons, but that’s absolutely who it’s for.
Especially in the financial environment we were in for damn near two decades. You could borrow against your assets for free to acquire more assets, which is how you build real wealth
Posted on 12/18/25 at 9:55 am to Will Cover
My score is either 833 or 842 exactly depending on the month. My only debt is a mortgage and I only have one credit card. On the months that it comes in at 842 it says that a factor limiting my score is "too many accounts with balances". Those are the months where I actually have a credit card balance when they check it. When it's 833, it's in the months that I have no balance and it says that the reason for the drop is "No bank/national revolving balances". It's a screwed-up system.
Posted on 12/18/25 at 10:01 am to jbgleason
I don't even HAVE a credit score.
Posted on 12/18/25 at 10:05 am to Will Cover
quote:
Total Debt - The amount that you owe on loans and credit accounts increased, from $221,085 to $221,691. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit.
So my mortgage, which is half paid off and the credit card balance that I pay to zero a few times per month.
Took a big hit when I paid off my student loans, but its almost back to where it was.
Posted on 12/18/25 at 10:06 am to FightinTigersDammit
quote:
I don't even HAVE a credit score.
Yes you do dumbass
Posted on 12/18/25 at 10:06 am to tigerfoot
quote:
my wife pays all bills,
That's a great recipe for eating cat food in retirement. You head in the sand people are weird. Dump all that stress on her, alone, and just expect everything to work out in 20 years? I'm sure she's logging into your company's HR portal and adjusting your 401k contributions too.
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