Let’s see who is the goodest goy.Mine is down a bit from its usual 800+ for some reason.
I'm a good goy. My total credit card limit is over $360k.
>>60961766Last month it was 810, this month its down to 788No idea why, i didnt do anything differently>>60961781>My total credit card limit is over $360k.Mine is only $3500 lmao. I could request an increase but I don't have a reason to since I don't spend that much.I have only 1 credit card and 1 mortgage. The only other credit-related history for me was a subsidized student loan that was $8000 and i paid it in full via check the day after I graduated because i had the money and didnt want to bother losing money to interest
>>60961766I'm european
>>60961766Exactly 800 for 3 years now.>>60961781How? I'm stuck at $25K.
>>60961944>How? I'm stuck at $25K.I have 35-40 active credit cards. I opened them over the years to take advantage of sign up bonuses. Only 2 or 3 cards get used regularly.
>>60961977Good morning saar
>>60961766Who cares? I have like multiple 7 figs NW, but I never look at this shit.Even when getting a house if u have the NW this score is almost useless. They want to know my income sources/businesses I operate.Brokies in this thread talking about 5k credit limits like it's an achievement, holy shit. We live on an indian basket forum.
>>60961999>have like multiple 7 figs NWMe too but it's like a game. I like to watch number go up on everything... net worth, crypto, stocks, Zestimate, credit score, etc.
859Do I win my foreskin back?
>>60961766I have either 799 or 774. I remember getting even different score when buying a car. why? i have no idea.also fuck this gay spam filter detector. fucking retarded.
>>60961977Checked and damn! I only have 1.I bet it's hectic trying to utilize each one to avoid paying any annual fees.
What's even the point, I don't even have a house
>>60962667>I bet it's hectic trying to utilize each one to avoid paying any annual fees.That's not how it works. I only apply for cards that don't have an annual fee. Or maybe you're referring to interest. I set up automatic payments ASAP after approval so I don't have to worry about forgetting.
Mine is 795 and hovers between 780 and 820
>>60961944>How? I'm stuck at $25K.Ask for a credit limit increase? I have a $92k limit with a 758 score between 3 cards. I'd also recommend using a credit union instead of a bank
>>60961766What's the point of a high credit score?
>>60963530Easier to take loans for shit like a car or a houseIf you rent it might also be part of your check to be allowed to rent somewhere as a reliability check
>>60963539Also more lenders will compete to get you to take a loan from them, so you can more easily get a lower interest rate.
>>60961977I've wasted a lot of time not signing up for credit cards I should have been taking them out since my early 20s
>>60963539Also some jobs run your credit. Especially any job where you handle finances or need a security clearance. They don't necessarily care about having a high score, but rather if you have lots of bad debt they'll infer that you're more likely to embezzle or sell secrets.
>>60963530So you can get your good goy points & fund the retirement of the havers (those with assets)Thank you for service wagie.
>>60963514I get rejected every time. I think it is because my income is low ($50K).
>>60961944Apply for additional lines of credit you dingus. If you aren't able to get a limit increase you open more cards.
>>60961766They all bounce around by like 15-20 points for no reason at allI just chalk it up to Jewish tricks
>>60963628We don't hire anyone with a score below 700Not even for security reasons, but it's a clear sign they can't manage the basic necessities of life, so why would we pay them 6 figures to perform a complex job?
If you have a balance on your cards it will drop a few points below 800. They look at the ratio of available credit to debt. If you have cards open you don't use then it makes the ratio better. Having longer standing accounts helps some. But I don't even use this shit or get loans so who cares
>>60961999checked and this^Mine is 830 but sometimes goes down to 790 when I actually use my credit cards. I've paid every bill I've ever had and it doesn't matter because jewish banks don't want to give a white man a loan.
Over the past 5 years my credit has been frozen more than it has been open.I've experienced identity fraud at least 3 times, been SIM swapped once, had about 5 or so cards opened in my name, recently someone tried to hack my Fedex account to charge it up (new scam look it up)To me credit agencies are more of a liability than they are a help.If I could delete everything about me on the internet I would I hate this fucking jewish country.
I always had like an 830 or something until I decided to stop being a good little boy at the age of 33. I started conceal carrying without a permit in a state that requires is and the cops decided to target me one day and violated the 4a with no suspicion or probable cause. They found it, arrested me and now I'm fighting the charge in court. Put the whole lawyer fee on credit card and haven't been paying it off on account of being unemployed because I'm sick of paying taxes to pedophile genociders. I'm down to like a 760 now. I couldn't care less. I'll never be able to buy a house but out right anyway and that'll be post collapse. Nothing matters, stay strapped or get clapped.(Also, if the cops surround you, they'll be so quick you'll have no chance to draw, just an FYI)
>>60964426That's retarded and proves your company is run by good goys who don't actually understand the financial system. What a bunch of idiots. They're unironically NGMI
>homeowner / $690k mortgage remaining ($550k in equity)>2 paid off cars>$1k in credit card balance>$34k in available credit >$265k in joint annual income >$1.2M in retirement savings
>>60964910Primary savings
>>60964521I can explain exactly why the cops did that. Policing is a for-profit system that prioritizes revenue over public safety. Every additional charge means more money through fines, fees, and court costs. The goal of the system is to extract as much profit as possible, not to deliver justice or protect people. Innocent individuals are routinely charged as police are required to meet quotas, as proven by the leaked NYPD texts. Prisons operate as profitable businesses, exploiting inmate labor for pennies while generating massive revenue. Court-appointed attorneys, though labeled 'free,' are part of the same state-run machinery. Their job isn’t to defend you - it’s to pressure you into plea deals that increase the state's earnings and maximize efficiency. From arrest to sentencing, every part of the judicial system is built to generate income, not to serve or protect the public. It is a fully profit-driven operation, and it treats people not as citizens, but as sources of revenue.This is why cops are absolute tyrants and almost always face zero consequences for blatantly abusing their power. They don't have to worry about lawsuits since the state pays out the victims. And in the rare case a power-tripping cop is fired, like for beating a handcuffed inmate for no reason, they just get a job at another station. They can do that infinitely.Cops also say "oh the dog smells something" in order to unlawfully search vehicles. "The dog smells something" happens literally 100% of the time because they gesture to the car and the dog reacts. They tear apart innocent people's cars all the time and don't even apologize when they don't find anything.Always remember that policing is a for-profit business. Their goal is to maximize profit. Don't even get me started on "civil forfeiture" where they can steal any amount of cash from anyone for any reason just by saying "oh it must be crime money" even when there's zero crime whatsoever.
>>60961766Mines around 770 and can't do jackshit with it?Am i suppose to get more credit (loan money) and be a good goy?
>Black male>Canadian>Own 2 houses>Bought my first house at age 23>Over $110k in credit cards (4 total)>Over $70k in lines of credit>Annual income over $170k>Zero consumer debt (No car payments, etc)>Flawless credit history (CC balances paid in full every statement)
Getting my card next week.Went for 1k limit buf they gave me 3k since I have a good work record.>>60961999>I have millions of revenue coming in!Sure you do!!
>>60965761I'm a NEET leaf with 720k in my crypto wallet. One cc with 5k limit and 12k in my savings. 798-815. Credit score is a scam lol. Banks won't raise my limit or give me an auto loan.
>>60961766Goy scores are meaningless. Mine dropped 30 points just because my mortgage got sold to another bank.
>>60961766I don't have one in GERMANY
>>60965914How did you accomplish this by being a NEET?
>>60965914Most likely because you aren't reporting any income to them.Funny thing is most banks don't verify income for credit cards so just tell them you earn 200k a year and your limits will soar.Use this info wisely. This won't work for car loan, mortgages, or I think american express cards.
>>60964910>>60964918Are you looking for a husband by any chance?
>>60961834how many deposit bottles did you find last this month, can you pay social taxes for Mohammed and Abdul?
824 FICOOwe about 500k on a 900k house, nothing else.>>60963530lower interest rateshigher credit limitslower house, car, boat, toy, life, liability, umbrella insurance costs, dramaticallyget hired, all real jobs run credit checks, its just a responsibility score.
