Whats your credit score?

[-deleted-]

Credit doesn't lock you in from living life. Debt does tho. Think of all the extra cash you would have if you didn't have to pay back debt. Instead, most people use credit for the cash they really don't have. Try to save up for a used car and buy it outright although I understand you would like the auto loan payments for your credit score. Instead, get a couple more credit cards and just use them once or twice a month and pay in full.

 

[mannyrs13]

isnt that a hard pull with the refinance..its an inquiry

I don't know about the refinance but I consigned for him back in September 2016 so next month would be two years and that's how long inquiries last. I want him to get it on his name only cuz I would like to buy a house one day and that's killing my debt to income ratio. Helping my credit for now with the payments but eventually it's gotta go.

 

[seymour cake]

Your debt is excellent, but you need at least 2 more credit cards. With you having only one card, you are too easily exposed to utilization fluctuations. If you want the best rate on a house next year, you need to thicken your credit file. The highest credit scores come from a mix of credit types (credit cards, installment loans), age and responsible use. Get two BANK cards now (NOT store cards like Kohl’s or Sears and shyt) like Citi Double Cash, American Express Blue Everyday, or Chase Sapphire. Use them for the year and pay off before statement close every month and your score will be at mid to high 700s next year guaranteed. If you don’t have late pays, bankruptcies or anything like that, you are a shoe-in for those cards.

You can go to this link to see what cards you qualify for..you can apply based on that:
https://www.creditcards.com/cardmatch/

Here’s a link to all of the credit card companies’ pre-approval pages. Only a soft pull against credit (no impact) to check if you pre-qual:
View Your Pre-Approved & Pre-Qualified Credit Card Offers

good look my boy. Yea i was wondering why my shyt would drop so much points. Im a get two more credit cards when i put the money back on this card and my score jumps up.

 

[Burned Verses]

1 card at 710 last time I checked

 

[Htrb-nvr-blk-&-ug-as-evr]

good look my boy. Yea i was wondering why my shyt would drop so much points. Im a get two more credit cards when i put the money back on this card and my score jumps up.

Cool. Long as you pay them off monthly before statement close or keep total balances below 30%, you’re golden, bruh...

 

[Maddmike]

806 / no debt

 

[Boolean]

724 & 734

 

[Big Blue]

694 . My debt utilization is too high

 

[Silkk]

shyt nikka I got 150+ in student debt


For a fukking Art Institute that doesnt exist anymore

 

[Rekkapryde]

Gotta keep those credit card balances below 10% of your available credit fam. You paying on time is great but it's the debt to available credit. Get those balances down breh. Also ask for credit limit increases as it makes that debt to available credit ratio lower.

 

[posterchild336]

i have been focuses on my credit hard over past couple years..these are the threads we need instead of garbage bait threads

 

[Clark Griswold]

520 80k in the black

Plus

25k in CC debt

5k in back taxes

 

[Trot LaRoc]

520 80k in the black

Plus

25k in CC debt

5k in back taxes

 

[havoc]

No ones going to openly admit to having a shyt credit score. Doubt anyone below 500 even clicked the thread.

My score was 554 a couple months ago because I utilized more than 80 percent of my credit card balance, and I had 7 collections. I paid-off one of my credit cards and 5 of my collections so far. I have so much expense this year it drives me insane. Don't get caught up in debts, brehs

 

[havoc]

788

$0 credit card debt about 3 credit cards with a total limit of $30k

but I got about $80k in student loan debt