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Crypto, any idea about Shiba Inu?
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Welcome to the bowl
Any good noise cancelling headphone suggestions?
I mean sure. Why not?
Additional Posts in Confession
Portfolio this morning
Chemistry or Compatibility?
Crypto, any idea about Shiba Inu?
Welcome to the bowl
Any good noise cancelling headphone suggestions?
I mean sure. Why not?
Portfolio this morning
Chemistry or Compatibility?
Rising Star
It'll jump back chill
Utilization only affects the next month
A score of around 770, is no where near “wrecked”. Stop being so dramatic
Well...just like the balance sheet, it's a snapshot at a specific point in time. Why do you care so much? Unless this ruins your mortgage timing or something. Once you pay off it'll immediately jump back the 35 points...if it were truly attributed to just the spending.
After a certain point score no longer matters - you'd already qualify for best rates. It's like how the difference between 2300 and 2400 on SAT is absolutely meaningless. Also do keep in mind that mortgages companies and probably car loans have their own calculations for credit score.
Enthusiast
Welcome to the algorithm 🤖
Your understanding is immaterial.
Rising Star
Lmao
What’s the ideal credit score?
Enthusiast
This might be a dumb question but isn’t a credit score just a way for us to judge our own credit? Lenders have their own way of judging someone’s credit by looking at our credit history
I've worked on decisioning models. FICO score is definitely a large factor
Pro
8% on your overall utilization, or one card? If you have one card over 30% that will seriously ding it.
Also, I’m guessing you’re looking at a Vantage score. Those are not real credit scores. Pull an Experian FICO 8/9 to get your true score.