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re: Factors affecting your credit score
Posted on 12/18/25 at 10:07 am to Mingo Was His NameO
Posted on 12/18/25 at 10:07 am to Mingo Was His NameO
quote:
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
We get it Mingo, you’re smarter than 95% of people and 95% of people are also idiots. Yup, both things are definitely true.
Do you honestly believe that most people, even at, say, the 90th percentile were leveraging low rates and acquiring appreciating assets? Surgeons call this guys show and tell him they’re drowning in debt but sure, everyone’s an idiot.
1
Posted on 12/18/25 at 10:09 am to Dadren
quote:
We get it Mingo, you’re smarter than 95% of people
Maybe, a lot of them for sure. But that has way more to do with them than it does me.
quote:
95% of people are also idiots
Think about how dumb the average person is, and then remember half are dumber than that baw
quote:
Do you honestly believe that most people, even at, say, the 90th percentile were leveraging low rates and acquiring appreciating assets?
See above
Posted on 12/18/25 at 10:09 am to Will Cover
Check your utilization. They prefer it in the 30% range.
Posted on 12/18/25 at 10:09 am to Mingo Was His NameO
MidgetWasHisNameO calling anyone a dumbass
Posted on 12/18/25 at 10:10 am to FredBear
quote:
A couple years ago I retired from where I was working and closed the credit union account, including a credit card, and my score dropped from just over 800 to 780. And I didn't even owe anything on the card, I guess because closing it lowered my available credit?
Probably a combination of lower amount of available credit and the average age of your accounts. Closing a relatively new account isn't a big deal, but if you close a really old account, that could hurt a little.
Posted on 12/18/25 at 10:10 am to FightinTigersDammit
quote:
MidgetWasHisNameO calling anyone a dumbass
I didn’t force you to say something retarded
Posted on 12/18/25 at 10:12 am to Mingo Was His NameO
Who forced you to be a midget?
Posted on 12/18/25 at 10:13 am to PotatoChip
quote:
If you’re checking your credit score monthly, I believe them that you may have too many inquiries.
Most people who monitor their own credit scores are using something like Credit Karma or the credit monitoring service offered through credit card companies. I use the one built into the Capital One app personally.
Those credit checks have zero impact on your credit score since its a "soft pull". The "hard pulls" are what show up as inquiries on a credit report. Hard pulls would be what the bank runs when you're applying for a loan or line of credit.
Posted on 12/18/25 at 10:13 am to HoustonChick86
quote:
Took a big hit when I paid off my student loans, but its almost back to where it was.
When student loans went back into repayment post-COVID, the DoE accidentally reported mine as in default for three months (the system backdated the due date to three months before my payments restarted, I haven't missed a payment).
It took almost 6 months for me to get it corrected on my credit report and it knocked it down about 100 points. That was fun.
Posted on 12/18/25 at 10:14 am to FightinTigersDammit
quote:
Who forced you to be a midget?
God I guess
Posted on 12/18/25 at 10:18 am to Mingo Was His NameO
quote:
quote: I don't even HAVE a credit score.
Yes you do dumbass
quote:
AI Overview
An "indeterminate" credit score (or being "unscoreable") means you have no credit score because there isn't enough information on your credit report for scoring models to calculate one, often due to never having credit or not using it for years
Posted on 12/18/25 at 10:19 am to Dadren
Thanks ChatGPT
Seaux upset about a Dave Ramsey post. Tough scene
Seaux upset about a Dave Ramsey post. Tough scene
This post was edited on 12/18/25 at 10:19 am
Posted on 12/18/25 at 10:22 am to Mingo Was His NameO
quote:
Thanks ChatGPT
Seaux upset about a Dave Ramsey post. Tough scene
Just figured I’d help you be less wrong since I can’t help you be less of a douche.
Or less of a midget.
Merry Christmas!
Posted on 12/18/25 at 10:23 am to Dadren
quote:
Just figured I’d help you be less wrong since I can’t help you be less of a douche.
If you live in society you aren’t unscorable
Congrats on your AI technicality though
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