I get irrationally happy when my credit score goes up. Still shooting for 800!

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I hit 800+ this year. Still don’t know what to do with that info lol

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Go get cheap debt

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I caught the white whale somehow. Got a perfect 850 score come back when I applied for a loan earlier in the year. The adverse commentary section where they tell you what decreased your score was completely empty.

Felt pretty good at the time.

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The obvious stuff you can control of course - on time payments (just set up autopay), have a good number of accounts with enough credit limit.

You can goose your credit utilization % by paying a significant amount of the balance before the statement date, but since it doesn’t really have a “memory” there isn’t much of a point to in my opinion - just get enough credit limit and it’s sort of moot anyway.

The obvious stuff you can’t really do anything about right now is to have a lengthy credit history. I had the benefit of my parents adding me as an authorized user on their cards when I was 3, which drives up the average age of my accounts significantly.

The last thing that I think helped me out was that I have a mortgage that I’ve been paying as well. Never seemed to get that last couple dozen points until I had one.

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Not irrational

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Samesies 🥰

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I paid off my mortgage and now my credit score decreased to the low 700s. Apparently I don't have enough credit history with 2 credit cards and a vacation home mortgage.

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Still paying for my early 20s mistakes and building up from a 628 🥴

Right there with ya mate 😂

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