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Started By
Message
1
Posted on 9/16/22 at 10:55 pm to potent357
According to the free links I get with bank / credit accounts, I'm around 815.
From age 30 to almost 40, I carried way too much credit card debt. At its peak it probably approached $50,000. At rock bottom, I had a 530 credit score.
I worked my arse off and paid it all off. Never really paid late or asked for leniency or whatever. Bought a house a couple of years ago, right before prices and interest rates hockey-sticked.
God is good and I might not have to retire under an overpass (or over an underpass).
From age 30 to almost 40, I carried way too much credit card debt. At its peak it probably approached $50,000. At rock bottom, I had a 530 credit score.
I worked my arse off and paid it all off. Never really paid late or asked for leniency or whatever. Bought a house a couple of years ago, right before prices and interest rates hockey-sticked.
God is good and I might not have to retire under an overpass (or over an underpass).
This post was edited on 9/16/22 at 10:59 pm
Posted on 9/16/22 at 10:58 pm to Undertow
I rose my credit score from about 550 to 781 in just about 5 years by doing 2 simple things and it’s not really pretty easy if you live within your means.
1. Pay all my bills on time.
2. Get an extra credit card, use it, and pay it off in full every month
1. Pay all my bills on time.
2. Get an extra credit card, use it, and pay it off in full every month
Posted on 9/16/22 at 11:02 pm to potent357
720 last I checked.
Posted on 9/16/22 at 11:05 pm to potent357
My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710.
I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
I tried to get it knocked off but "there's nothing we can do". I am not a violent man by nature, but I was absolutely rip shite.
I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
I tried to get it knocked off but "there's nothing we can do". I am not a violent man by nature, but I was absolutely rip shite.
This post was edited on 9/16/22 at 11:07 pm
Posted on 9/16/22 at 11:05 pm to Undertow
Yea well I raised mine from 598 to 619 with credit genie in like 10 seconds.
Posted on 9/16/22 at 11:06 pm to El Segundo Guy
quote:
I'm also getting on average $100 a month "free" money in cash back by doing that.
If $100 a month extra money is something that moves the needle for you, then I guess it’s worthwhile. But that just doesn’t make a difference for me. It’s inconsequential in the long run.
Posted on 9/16/22 at 11:08 pm to Jcorye1
quote:
My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710. I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol
Posted on 9/16/22 at 11:09 pm to Undertow
quote:
rose my credit score from about 550 to 781 in just about 5 years
It took you five years to do this? This seems off
Posted on 9/16/22 at 11:11 pm to TackySweater
quote:
Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol
Why would I lie about this? Is it somehow cool to get screwed by the system after over 20 years of never missing a payment?
If it wasn't one of the most idiotic things a person could do, I'd post the graph tracking my credit score, as well as the provided explanation on why it dropped.
This post was edited on 9/16/22 at 11:13 pm
Posted on 9/16/22 at 11:14 pm to Jcorye1
quote:
I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.
There has to be more going on with this. I have missed a CC payment or phone bill before just by being busy and thinking had paid that month when I didn't and I never took a hit. My score at the moment is 811 and hovers in that area constantly. IMO the credit score shite is a scam. I get that they need a way to weed out the deadbeats but you shouldn't be penalized for paying your bills and carrying zero debt.
Posted on 9/16/22 at 11:18 pm to Jcorye1
quote:
Why would I lie about this? Is it somehow cool to get screwed by the system after over 20 years of never missing a payment?
Because you fricked something else up and are embarrassed about it? I don’t know.
But like poster below said. This seems way off.
If two peoples first reactions are, “that doesn’t seem right” then you’re probably making shite up.
Posted on 9/16/22 at 11:19 pm to potent357
Debt free, cash flush and I don't need to borrow money for anything so I don't care what my score is.
Posted on 9/16/22 at 11:54 pm to SW2SCLA
Last time I checked it was so high that it broke the scale. It actually crashed the FICO computer system, first time in history. I apologize profusely about the whole thing, and they told me not to be sorry because shooters shoot
Posted on 9/17/22 at 12:53 am to potent357
Can’t fool me, Biden IRS guy
Posted on 9/17/22 at 2:52 am to cypresstiger
I make credit with the little machine. Wanna make an easy $200?
Posted on 9/17/22 at 5:30 am to potent357
Wanna buy a car?
Posted on 9/17/22 at 5:41 am to potent357
Low 600s
Im. A dumbass
Im. A dumbass
Posted on 9/17/22 at 6:39 am to LegendInMyMind
quote:
We have now done:
-Salary
-Overtime
-Debt
-Mortgage payments
-Credit scores
-Probably a few I missed
I'm waiting on penis size to comment
Posted on 9/17/22 at 6:45 am to potent357
No it's not 
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