The Good Credit Appreciation/Advice Thread

[winb83]

I spend a lot of time getting my FICO score that high. back in November it was like 675 and if i keep it up i'm gonna see an 800+ score.

I used to think credit was such a bad thing but when you have decent credit life is a different ballgame. you can take advantage of all the scams credit card companies use to entice and lure irresponsible people into a cycle of monthly payments cash back and 0 percent apr for a year and a half.

these credit card companies keep trying to get me to get their better cards. Discover It especially.

fukk credit.

Cash is king my nikka.

credit cards often double your manufacture warranty on items and you can earn cash back on purchases. even if you have the cash you're better off charging something and then paying it off just to get those added benefits.

 

[MikelArteta]

i was over 700 but i missed a few payments prob lower now

i dont care really as i dont plan on being in northa merica for long

 

[-G$-]

fell off man. Beginning of year I was at like 802 then I paid off my mortgage when I sold my condo and took out a credit line against my investment account to use for building my new house. I guess that score will do for now though.

 

[winb83]

dont cosign for anything. my sister asked me to cosign and i lied knowing id get approved.

cosign just means you got yourself a new bill.

cosigning isn't even about the character of a person.

its not some shyt where Tommy would pay the bill and you know it but the creditors are fukking him over so since you know him better than they do you co-sign.

these people have reviewed Tommy's finances and they know either he's too irresponsible with money or he flat out can't afford it so they force him to get a person to co-sign.

Tommy may have all the best intentions in the world but when it comes down to it if he can't afford it you'll be stuck with his bill and have him drag down your credit.

never co-sign for anything. if a person can't get something in their own name that says all that needs to be said about them having that item.

 

[JasonSJackson]

You must have bad credit.

funny rationale

 

[Virtuous_Brotha]

 

[winb83]

so what credit cards do yall use? i just applied for Chase Freedom. they only gave me a $3500 limit which pissed me off but whatever.

 

[Two Stacks]

Your FICO® Score:750
On October 22, 2013

Your FICO® Score is very good

Your score is above the average score of U.S. consumers and demonstrates to lenders that you are a very dependable borrower.

• FICO® Scores range between 300 and 850
• Higher scores are better scores
• The higher your score, the more favorably lenders look upon you as a credit risk

 

[MikelArteta]

Mine is bad now had to help out a friend and put it on my credit line didn't make the min payments

Ah well

 

[↓R↑LYB]

My credit is garbage, but I got them certs though