I have a 503 credit score and I don't know what to do. I want it to go back up. Halp.
>>62386848mine is 540student loans raped it last year i think when they nuked everyone's for not paying finally kek
>>62386848Have you thought about paying your bills on time
>>62386848>I have a 503 credit score and I don't know what to do. I want it to go back up. >Halp.Its really fucking easy to fix a credit score, you just finance anything and everything you can and pay it off on time each month. Start acquiring loans and do nothing with them. Just pay the interest on a $1000 loan which is probably what $8 depending the the APR? A score as low as 503 would probably take roughly 2 loans of 1k to fix back up to 700+. Maybe even less like $1500. good luck.
>>62386848weird, legit just watched this movie yesterday... the universe is creepy af
>>62386872i watched it again last week. its just a really good movie to go re-watch
>>62386848It's very simple. Catch up on any payments that are overdue and then make sure to at least pay the minimum afterwards -- even better if you can pay it off in full. Then get a secured credit card, charge regular expenses to it and pay the statement in full every month. Do these things and your score will get to 650 within 2 years.
>>62386853Too late for that now. They went to collections. /biz/ also said not to pay them now and the Chase credit score simulator showed me that my score will only rise IF I get a ton of debt
>>62386862>>62386879If I pay, Chase simulates the change will be 0
Wish they only allowed credit cards to be applied for when you turn 25-30.
>>62386886Then it's probably not your credit card balance that's fucking your score. It's hard to tell without looking at your credit report so download that and read through it.
>>62386852Can't they garnish your wages??? I'd be far more worried in your case. How much are the loans?
>>62386883>>62386886>>62386889GYAAAAT DAYYUMMI didn't know it was this bad. You're gonna have to seriously start zeroing all the loans immediately. You need to go get a loan that covers and to pay off all the old loans to bring your responsibility back down to 0 as soon as possible (immediately). If you have more than 30% of debt on your credit lines, your score bleeds. Once you clear out all your old, existing loans, you can than just make good faith payments on the new loan which brings your existing liabilities back to standard. ITs called loan washing and its how you get out of this mess.
>>62386899Hey man. Relax. If my situation is causing you duress, just step out of the thread.
>>62386903It's only $16k when it's all said and done. I'll take your advice. Seems reasonable. Just have to find a loan man.
>>62386929>It's only $16k when it's all said and done. I'll take your advice. Seems reasonable. Just have to find a loan man.Are the loans through chase? You can ask chase to take over all the loans to get a better APR%, but better off just asking for a 16k loan from them. god speed.
>>62386934Thanks anon
>>62386937forgot to mention, consolidating many loans into one means you're also not paying interest multiple times on different loans with different APRs.
>>62386877checked, I loved it as a kid so watched it with my kids but to be real I was not as impressed as an adult. My kids were into it, though. I think movies have just really leveled up considerably in the last 40 years in terms of how deep character development can get, and ultimately while the message of this movie is great for kids, it is fairly shallowly developed. I remembered the scene with Artax being absolutely harrowing, and in fairness my daughter ran out of the room crying, but as an adult I was like "wait, I've known Artax for like 5 minutes why should I really care that he's gonna drown?" Anyway, I wouldn't say it's bad and I'm glad I rewatched it but it did not exactly hold up to my childhood memories.
>>62386848Why are we ruled by this good goy score? 1/4th of american students are ass raping their own scores to oblivion without caring. I think it's time for people to think "How can I get ahead without using businesses that utilize good goy scores"
>>62386848>”fi-oh-three? >*chirp*>”sheeeit you prime Hellcat territory my nigga!”
>>62387223How short is this black?
>>623872312020 Hellcat charger is about 57.6 inches and the average male head is roughly 6-9.5 inches. So 5’4”-5’6”
Current credit card approves with no credit it's a secured loaded card that acts like a debit.Step credit card as well.I forget there's another one but there's a couple that have no requirements.You should have at least 2-3 of them going just buy anything on them once a month.
>mutts have a good goy score given by their bank
>>62386848>I want it to go back up.>Halp.Set ALL your bills to auto pay, that way you will have a perfect paying record. Do not have more than 2 credit cards.My credit score is around 840-850.
>>62386883well you already won. you stole money for free. you don't get to also have a good credit score sorry. maybe in 15 years.
>>62386848Mine went from 850 to 820 because I closed a credit card account I wasn't using anymore. Then I checked with an insurance company to see if they could give me a lower rate and they did a credit check on me that lowered it to 801. I don't know what the fuck the logic is with credit ratings. I have zero debt and loads of savings and investments yet they keep lowering it on me because I'm not being stupid with my money and actually trying to save money. Why is that a bad thing in their eyes?
>>62386889>Drinking poison and fucking a hooker in a hotel room in Miami is what you live for...Simps keep getting more and more pathetic every day.
pay all your bills. on time in full. from such a horrific start it will take a while. credit score is just a responsibility score. be responsible and pay your bills.
>>62388246You mean 7? Right?
