Damn, logged into Credit Karma for the first time in awhile, and my Transunion was 793 and my Equifax was 799
Sweet.
Just to clarifiy, an 800+ score is mandatory for SVTP members.
CEO of the company I used to get my mortgage said it's better to always leave a small amount on your CCs vs paying then down to 0. Who knows, just live within your means
"Nothing makes me question ALL of my life decisions like SVTP."
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CEO of the company I used to get my mortgage said it's better to always leave a small amount on your CCs vs paying then down to 0. Who knows, just live within your means
"Nothing makes me question ALL of my life decisions like SVTP."
Posts and likes are not mine.
After experimenting with accounts and manipulating money for many years, I can confirm, your Company CEO was right on the money with that recommendation.CEO of the company I used to get my mortgage said it's better to always leave a small amount on your CCs vs paying then down to 0. Who knows, just live within your means
"Nothing makes me question ALL of my life decisions like SVTP."
Posts and likes are not mine.
Yes when you close credit card accounts your credit will take a hit. Now people like Elon Musk and Jeff Bezos and the weirdo Gates don't care about those. I wonder if they even have credit cards?!I learned when I sold my house and the mortgage got paid off… credit score did not like that shit .. AT ALL
I use credit cards to my advantage. I pay them off always so there are no finance charges and reap the points and rewards. I figured I have day to day expenses either way so might as well get points for it. My wife keeps buying groceries with her debit card. I told her start using a grocery credit card that earns points! It's like talking to a wall!Whats funny about credix is this, if you are late they ding you which gives them the excuse to charge you more for crap you probably dont need. But the fortune 500 company i work for will constantly pay 120 days out or even later with no repercussions, like many other big companies the rules of credit do not apply. Loans and credit is just another way to make you a debt slave. But hey you have been a good servant so you now dont have to pay as much interest for something you cant afford anyways. If we were paid a correct wage you wouldnt need credit. Like your great grandfather that had 2 vehicles, a tractor, house/land and no debt. They keep you in debt with shiny new stuff, keeping up with the Jones's. The foolishness of man.
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Same here.I learned when I sold my house and the mortgage got paid off… credit score did not like that shit .. AT ALL
I’m with you. Cars are paid off didn’t carry a mortgage till recently when I got a small on one to get the house back in shape. Been a hard year with having to have the house leveled, and clean up the yard after that shitty deep freeze we had. so rather than do it piece meal we took a mortgage to get it all done. Fun thing was it took a week to do the mortgage start to finish lol. That is what good credit will do. I haven’t checked it this month yet.From the time my score went over 750 or so I never had a problem qualifying for anything at the lowest offered rate. Which is why I have no desire to play the game and get closer to 850.
I don’t have a mortgage that’s in their books, don’t have a car payment or other installment loan. Adding another card or two would bring my utilization down that’s about the only thing I kightndo