BubbleBobble MIDLIFE CRISIS HAVER 114412 Posts user info edit post |
I have one credit card and always pay it off
it's basically pointless for me to even have it
shouldn't I have a good credit score just based on the fact that I don't have to lean on anyone for loans?
like what?
why is everything such bullshit lol
I am about ready to be done with this Earth 11/17/2024 3:41:46 PM |
StTexan Let Trump cook! 7329 Posts user info edit post |
Check credit karma...perhaps a Nigerian prince got your info and opened some accounts 11/17/2024 4:06:55 PM |
The Coz Tempus Fugitive 26221 Posts user info edit post |
Depends also on how much of your credit availability is used at the time they took the snapshot. Are you about to borrow a lot of money? If not, who really cares what your credit score is? Within reason, I mean. I don't care if mine floats around in a range. It varies for the reasons I said.] 11/17/2024 4:19:50 PM |
justinh524 Sprots Talk Mod 28015 Posts user info edit post |
Credit score is a scam 11/17/2024 4:27:03 PM |
qntmfred retired 40783 Posts user info edit post |
my credit score went up 80 points yesterday pwnt 11/17/2024 4:51:18 PM |
The Coz Tempus Fugitive 26221 Posts user info edit post |
The fact that your credit score apparently had at least 80 points of room to go up is a self-pwnt.
NTTAWWT!] 11/17/2024 5:10:11 PM |
Novicane All American 15416 Posts user info edit post |
you credit score litterally goes up when you take out loans and pay them on time.
it goes down when you pay things off and elimate loans.
make it make sense. 11/17/2024 5:20:28 PM |
qntmfred retired 40783 Posts user info edit post |
11/17/2024 5:28:32 PM |
emnsk All American 2858 Posts user info edit post |
just think of it as a game and play along 11/18/2024 4:33:52 AM |
quiksilver Veteran 769 Posts user info edit post |
You won’t like this answer because credit ratings are dumb but the reason your credit is bouncing is because you have a low denominator in your outstanding debt/available credit ratio. Creidit agencies usually are checking your balances once a month. If they check on the day before you pay off your card your ratio will be higher lowering your score. The only way to smooth out these swings is increase the denominator (get more credit). The best way to do this is ask for a line increase on your current card (usually no hard credit check). Option two would be to open another line. This will piss you off more in the short term because it will hardcheck you and lower your average age of credit which will temporarily lower your credit more. In my experience this drop recovers in less than 6 months. Sorry there isn’t a better answer but it sounds pretty clear that this is what is happening. 11/18/2024 8:46:33 AM |
BubbleBobble MIDLIFE CRISIS HAVER 114412 Posts user info edit post |
I appreciate the info
oh, I guess I didn't make it clear that my credit is really high so IDC all that much, I know it can't go down but so much
it's just stupid - I think everything is stupid tho :3
at least ^ explanation is helpful
Quote : | "The fact that your credit score apparently had at least 80 points of room to go up is a self-pwnt." |
SLAM ITT 11/18/2024 8:17:50 PM |
StTexan Let Trump cook! 7329 Posts user info edit post |
^We are all millionaires on here, didn't you know that?
11/19/2024 7:38:48 PM |
BubbleBobble MIDLIFE CRISIS HAVER 114412 Posts user info edit post |
^NTTAWWT 11/20/2024 6:27:16 PM |