Is it enough to have 2 credit cards to enhance credit score above 750 or do I need to get more credit cards? I am wondering stuff to do to enhance my credit score further. Oldest Credit History : 1yr 3mth Credit Cards : Chase Freedom Unlimited & Amex Gold Credit Score : ~740 #creditscore
I moved out of an apartment building two years ago due to measurably high formaldehyde levels. I moved out and found a new place. They charged me a six month rent lease cancellation fee. I never paid it despite being able to - as I felt it was unfair. I was in college. My parents offered to pay it -...Read more
Can you tell me how startups or small companies without a credit score manage their credit? Our company has never undergone a credit evaluation before, so we sometimes find it challenging when investors or external institutions request a credit score. Is it necessary to incur additional costs to che...Read more
Could you explain in 5 steps or less, what you did to get and stay there? #personalfinance #investments
Although the title is on both mine and my spouse’s name, loan is going to be entirely on me. My spouse is planning to apply new credit card. Will that cause any issues for my mortgage loan (will close after 5 months)? She is added as authorized user for lot of my credit cards, it at all it matters ...Read more
How can I improve my credit score? I’m hovering around 760-770 but would like to get to 800+
My credit score has been lingering around 810 for a while. My payments have always been on time but its difficult to get the score above 810. Any suggestions on how to push it above 830? #personalfinance
Hi, I'm looking for a loan over a million for a house with 20% down payment. I have 769 vantage score and 689 fico score. Based on research online I see most lenders use fico score. Am I screwed in terms.of interest rates? What would be my options here to get good interest rates? My fico score can'...Read more
credit score is usually at 750. dropped 25 points a few weeks ago because my credit card bill was ~70% of my credit limit last month. apparently high credit utilization affects the score. i’m about to finance a car and want to fix this. if i pay off the credit card now will the drop reverse immedia...Read more
We are planing to get a home loan for our 1st home in Bayarea which is worth about 1.6M (400k$ downpayment). My credit score is 800 and wife’s score is 690. Reason for her bad score is a derogatory remark from a single credit card transaction for 200$ which went unpaid for few months and line got c...Read more
In 2021, the average Credit Score for whites was 727, whereas this was 667 for Hispanics and 627 for African Americans. Are Credit Scores racist? TC: 450k #diversity #equity #inclusion
Trying to gauge if I am doing at least one thing right in life
How fucked are you if you have a derogatory remark on your credit score from a collection but rest everything is perfect? TC: 300
Just fucking 1 point away from very good. Does it going to matter or will I be treated the same as low 700s in the Good category? This is for mortgage purpose. Tc: 325k Ps My wife’s credit score is 777.
I'm confused. Why does the score sometimes drop (credit karma, chase credit journey...etc) for no reason? I'm not spending more or having late payment why is that?
I moved to the US fairly recently an dmy credit score is at around 780 (through credit card payments and auto loan). I've saved enough to pay my car in full now. Should I pay the car in full and save some money? Are my credit card payments on time enough to keep building my score? Or do I need to ke...Read more
Started my credit journey building very late, about a couple years ago after graduating school. I have a good variety of credit cards now. Never missed a single payment and my balance month to month is very healthy, under 10% revolving utilization. However I can’t break past 760. How do I get 800+? ...Read more
Title says it all I started with no credit score as an international student. Now after 8 years its 805. How do we take it to 850 or 900? TC:0 Laidoff