How's the 'ol credit score looking?

I was at around 780 until I got into online poker and racked up 40000 in credit card debt. I never missed a payment in my life but since I was maxed out on everything it plummeted to around 590. I've stopped the gambling and am up to around 660 now.

UK here - 2 companies rate me 3/5 'good' and 1 'great' at 760/899

credit limit is £3000, using 400ish

had some bs with quick-loan company that ended up with my score being impacted.

how does it work in the USA?

About the same. The same companies control pretty much the civilized world’s banking and credit information.

>40000 in credit card debt
how? the fuck. MC and Visa both have fixed days to do credit transactions (afaik 5th and 25th day of month) You would have to amass this much in 20 days

don't know what you're talking about. I accrued it over several years back when online poker was legal in the US. I had that much credit available, I spent it all. It's pretty simple.

as said, every fixed day you have to repay your credit card debt.
What you rather had was loaned money from your bank (they have a slower repay time) and not your credit card company.

(((credit score)))

call it debit card, you fucking faggot. At least use the common name

are you not from america? You spend money on your credit card, you have to pay the minimum payment a month. You don't have to pay it off in full. Like seriously, I have no clue what you're talking about and I'm very good at accruing credit card debt.

Pretty decent.

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even if he's talking about a debit card what he's saying makes no sense. You don't "pay off" a debit card. Either you have the money and you can do the transaction or you don't and it won't work.

>are you not from america?
I use mc, it doesn't matter where you are from. All credit cards using it have the same terms and conditions. Maybe visa is different, but I highly doubt that. Credit cards are not for long term credits

they are, though. Have you never heard of APR? People doing debt consolidation when they can't keep up with minimum payments? Are you even from this fucking planet?

>using credit (debt) to pay for things
Good luck getting into heaven
I swear most of you faggots would make a deal with Satan himself if it made your lives more "convenient"
Actually, come to think of it, you are dealing with his children, the jews, so it isnt all that different

Mine crashed the fucking machine!

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>even if he's talking about a debit card what he's saying makes no sense.
actually banks rate you and based on your rating you can go into saldo. And we are talking about our rating in this thread. IE: if I wanted I could go -5.000 with my debit card, if I really liked. I don't have to repay directly, but have to pay monthly interest

this is like a bizzaro world thread. A debit card is equivalent to using cash. If you spend more than you have, you get fucked up the ass with overdraft fees. I don't know of any bank on earth unless you're a special customer that would let you carry a -5000 checking balance.

Credit cards you have a limit that you can spend, and if you don't pay it all off in a month interest starts accruing.

>If you spend more than you have, you get fucked up the ass with overdraft fees
What? My bank has 3% overdraft fees. So it basically is another short term credit made possible with my debit card. And that is common in my country. Banks earn more with those fees than investing your money

Pulling for you user.

that 3% are a year. So it would be little to nothing

I've seen whiter days

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every bank I ever had was something like a base fee of 30-50 dollars even if you overdraft a single cent, with further penalties if you don't bring the balance into the black within a pretty short amount of time.

Y'all really need to tell us what country you're in if you're going to try and tell us how things work, because no american bank i've ever heard of works like you're describing. Overdrafting here is a serious thing. They will call your ass up and harass you until you get it sorted. If you spent 5k over, they would just close your account and sue your ass.

You need to use credit if you ever hope to get a loan. It's good practice to use your CC to pay for shit and then pay it off right away.
I know that's not what you're talking about but yeah.

Germany. In my case it was MLP and VR Bank. As said, banks like to give small credits and request fees, because they earn more money than directly investing your money and it is not like mc or visa, where they get nothing for transactions

mine is ~600. Feels bad man.

680ish, usage is a bit high because of some bad luck I've been having lately. Car payment goes away in october though which will free up about an extra 400 a month which I will put towards my credit cards

I don't know the laws because I couldn't read german, but when I had an account with Deutsche Bank when I lived over there I couldn't spend more than in my account even if i wanted to (and I did try).

In switzerland (UBS) they gave me credit cards that worked the traditional american way - limit, pay it off in a month or interest kicks in.

It's sitting at around 650-700 because I never use it for anything and the handful of times I did use it I paid back about 90% f it which is just enough for it to be considered "mostly" paid off and it will reflect on your credit score. Not paying at all on huge, nonmedical loans = instant 500

>In switzerland (UBS) they gave me credit cards that worked the traditional american way - limit, pay it off in a month or interest kicks in.
Germany has both your traditional american credit cards and debit cards. Actually I now know your problem: german banks define your credit based on a own rating called shufa. If you just came here, you of course were not allowed to go below 0 with your debit konto

ah, got it. Sorry for being a dick. I figured I might have been getting a gimped "only for americans" account.

807 - Excellent

721

im 40 tho

Is there any real difference between about 730 and 830?

mine is in the low 700s and I get the best rates on cards and car loans and whatever I apply for

I had a 715, the last two or three months its dropped to 667 because I got a new credit card, and I think college reported my balance of $75 dollar owed to them. But I just paid off the $75, does it get removed from the credit report if the debt is payed?

not nearly as much as between 730 and 630, but there's still a difference.

650, just leased a car from where I sell so that will start raising.
I dont see people go below 400 just from medical bills, even having seen some owe in the 100ks. Credit karma is innacurate for the record. That said if its really that low from just medical bills then Im sorry to hear that. When you get into a better financial position to pay somethign then its likely in your best interest to settle and pay something unless its really close to 7 years
You can not get prison over medical debt in America no matter what false information is being spread.

500 exactly
I have not had any lines of credit since 2010

it depends. Did it go into collections? I think that can take a long time to get removed even if you settle it. You could try calling the rating agencies and get it removed, but whether it will work or not depends onthe circumstances.

Not only that but unpaid medical bills do not reflect on your credit score either.

My bank lets me go up to -500 in checking, since my childcare and a few other auto-pay bills can come out a week early or late

also while i'm here, I'd just like to take a moment to say fuck you to o2. I sent them my abmeldung and 3 months of pay to end my phone contract, and last month I get a letter from some lawyers saying the contract never ended and I need to pay them 600 euro or they'll report me to schufa (didn't know what that was at the time), and said if I don't pay up i'd never be able to come back to germany.

Fucking shakedown. Should have gone with vodafone.

>You can not get prison over medical debt in America no matter what false information is being spread.
nbcnews.com/news/us-news/debtors-prison-aclu-report-details-criminalization-private-debt-n849996
You can by a simple trick: hospitals currently like to sell your debt to third party credit sharks and those then are allowed to sue you for private debt and prison time

This is also not true, as a car salesman who sees credit on a daily basis I tell you it does negatively impact you, just not near as much as literally anything else. You can be a 6 something with unpaid medical or student debt but you would go higher if you had any kind of formal arrangement on that debt often times we will see a "no score with derogs" or basically you have no REAL credit but you have things like unpaid phone collections or medical debts in collections

Well, the debt was posted mid January but I didn't pay it off till last week. They sent two or three notices, about one once a month. The third notice said I should remit payment now to "prevent further impact on my credit score" but no creditors ever called me.

An overdue balance on your account prevents you from registering for new classes so I don't think they actually report to a credit agency. Because I owed them a lot more one time and nothing happened, and that time, my credit score didn't drop. So if it didn't drop when I owed them like $1,000 why would it drop for $75 when it was payed off sooner than the 1k.

Do you guys keep the SSN's or sensitive information if someone comes in, and you automatically run a credit check and after that they decide no thank you? Had it happen to me once, a "soft check".

Hospital Billing Departments LOVE this Simple TRICK© that gets their delinquent debt holders jailed!

Jail time at best, theres a very real difference here in the US and realistically does not happen as Its more of a tactic to force you into making some kind of arrangement when they drag you into a hearing.

It is actually 100% true
I have a 700 credit score and hundreds of thousands in unpaid medical debt.

Nigger you fucking crazy or just retarded, or don't live in the good ol USA. Unpaid debt is unpaid debt to Experion et al.

can you explain how car salesmen can lie to you about your credit? I bought a car and he claimed mine was 680 and gave me a mediocre interest rate on financing, but i checked all 3 agencies and all were at least 730. I called him up and was like what the fuck and his response was basically like "sue me or leave me alone"

>being financially intelligent
That's not a problem user, keep your wallet closed and your (((brackets))) snug and you'll stay in the 800s

I love how you keep spewing bullshit as truth. Medical debt does not affect your credit score. At all. It appears as a listing on your credit score but does not actually affect the actual number.
YOU must be fucking crazy or just retarded to not have been able to fucking figure that out LOL

848 for real

Just follow him home from work, get his address, wait a week and go fuck up his house / car and get back at him.

I've been shit talking his business for months on their google/yelp pages. He always gets super butthurt and calls me up like "I thought we were friends bro, why are you being like this?" etc. Fucking soulless cunt.

What? Hospitals are out of the equation once they sell your debt. Third party patrons buy your debt and then request you to pay it to them. That shit also is common with countries buying each others debt.
Tbh not unexpected, as hospitals also need the money and are not debt companies loaning you money or service

We can run soft checks though most people dont know what an actual soft check is. Theres a handful of prerequisites before we can do them though generally when Ive asked for your license before the test drive at least in my state I already have everything I need for a soft pull.
We at my dealership generally get a signature before hard pulls.
Nigger unless its not reported in collections then it certainly affects you. If it is in collections then you would be even higher if you didnt have them.
The full explanation is a pain in the ass but basically depending on what is used for pulling your credit your score can actually come up differently. I showed as a 629 when I pulled my own but when the dealership pulled it I was 650. In most states you can request the report they pulled that shows the score and you will see everything they work with and unless its a "tote the note lot" (dont use these) then they have to give you an interest rate determined by your credit within a state accepted profit mark up they are allowed. As an example we are allowed to mark up your interest 2 percent from what the bank gives in my state.

145

567. Balance of $50 to pay off on one card, oldest credit line 6 months

Medical bills do not impact credit score

library late fees do

Mine too. No worries bro.

>Medical bills do not impact credit score
anons in this thread already posted: hospitals like to sell your bills and once they changed ownership, they impact your score

Also there are more factors a bank is allowed to use than just pure score when determining your rate. An example would be the number of auto loans you already habe may make the 3rd one get a higher rate or the year and miles of the vehicle in question may affect it. Im not saying any of these were the case but if its a dealership that doesnt do in house financing (tote the note) then he may not have fucked with you beyond what was state allowed (us dealerships are heavily regulated on exactly how much we can screw you from state to state)

it was a subaru dealership. When we were talking I said I don't think this score is right and even showed him my experian score which was much higher but he fed me some bullshit and changed the subject. Was my first car so I definitely got screwed over.

Car salesmen are the fucking worst. Pretend to be your friend but see you only as a money pinata. Don't know how they sleep at night.

This is false. Unpaid medical bills will go onto your credit file as a derogatory mark, which does decrease your score. It might not appear on all 3 agencies though, sometimes it'll be on just one or two. Depends on who the medical facility sells the debt to, and which agency that collector reports to.

Go back to 1950.

always with the same account?
Anyways, time to escalate it.
You're doing gods work user, take it further.

Just got bumped to 730 on the nose from 711 after paying some shit off

I even shit talked the founder of the dealership, the salesmen and the financing guy all were talking about this mythical "mister lokey" as if he was some saint that bestowed us with great cars for good prices. I questioned the existence of mister lokey and he got all "say that to my face mister lokey is my hero" etc

Ok user, I explained to you the deal. Dealerships dont determine your interest rate if you are going through a bank. The finance people send your loan application to the bank and the bank tells them what they will do. The dealership from state to state will mark it up within a state legalized margine that they arent required to disclose but are required ro adhere to. He may have ripped you off but again, no more than the law directly allows room for.

My experian was the 629 and the dealership pulled experian was 650. It can go both ways

you say that, but i say "prove it". Prove that dealerships follow the law. Who is going to spend the money to get a lawyer and really find out? Nobody, unless they pull that shit on rich people too.

Just checked mine today! 760!!

You can make more money off rich people since the margin of money you can make off people with more money and credit is greater.

Also we are checked by the banks constantly as they dont want to go down over one shitty dealership. There are ways to get around some things but here in my state there is a direct 2 point interest rate mark up we are allowed above whatever interest rate the bank gives us. I dont know what to tell you beyond that other than do some fucking research on your local laws to understand that dealerships are checked very closely when it comes to how we deal with credit and can be fined in excess of 10k for every single tiny infraction. It also does not take a rich person to take a dealership to court as the law always sides with the buyer since dealerships are seen so poorly by the public, even if the dealership is in the right 90 percent of the time the law will side against us.

Again, you could have just asked for their copy of the credit report but instead you are throwing a tantrum.

Lawyers are also all too happy to go againsy a dealership since they know yhe chance the dealership will lose or settle is extremely high and they can just take a cut of the winnings. Please educate yourself before you buy your next car so you can save yourself and the poor salesperson the headache. Some of us are bad but jesus just learn your shit

I have the copy. I think it's falsified. You can't just say "well sometimes thes core the dealership pulls is different". Your score is your score.

827
what's the highest it goes?

If you really believe that its falsified, that they gave you CERTIFIABLE PROOF THEY LIED you fucking moron then take them to court with a lawyer that will get paid on the winnings. The lawyer will probably laugh at how much of a fucking idiot you are but then again maybe they will decide that using you to jerk the dealership around might be an easy way to get them to throw their hands up in the air and give you money. Your score can in fact be different depending on who and what pulls it but I dont expect you to believe me in your eterbal crusade at this point. Go forth champion claim your destiny

you admitted to being a car salesman so your word means jack shit to me. You're just another fucking demon preying on vulnerable people who will say literally anything to make a sale.

1000, but being in the 900s requires you to both disclose your high payment job and treating your credit card not as credit card, because every month with open debt reduces your score

>every month with open debt reduces your score
I never understood what madman you have to be to decided this fuckery.
>Never have any debt
>Get bad rating

>Get debt for what it is intended for
>Get bad rating

>Get debt and instantly pay it
>Get good rating

have fun being an eternal moron
thebalance.com/the-credit-score-car-dealers-really-use-3974683
you can read all sorts of cool stuff explaining different ways in which your score can show up differently at a dealership though I'm not sure you actually know how to read. at this point I expect your special ed teacher is reading these posts to you.

so to all the people in this thread that are still willing to listen, my advice to you before you buy a car is do your own research and have an idea of what you want to accomplish. you will save yourself and the salespeople a lot of headache. sure they will still try and negotiate a deal in their favor but if you know about what you want to accomplish within reason then you should be fine.

Stop living out of your means, get a better paying job and/or leave that cunt.

I'm doing alright.

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>treating your credit card not as credit card
is this real? That in itself is an oxymoron. Get bad rating for using a credit card as it is intended

Yeah, the idea is that the longer you took to pay a credit or the more credits you have, the less trustworthy you are. In itself a good idea, but head shackingly stupid if past paid debt is the main factor of your score.

Credit utilization is real...

I struggle with this myself. House paid off. Cars paid off. Boat paid off. I earn 150k a year....i don't need credit and I pay cash for everything a la Dave Ramsey.

The number 1 rule of credit/loans...you have to prove you really don't need it.

Eat a dick poorfags

I make less than $1000 a month, fixed disability now. Make too much for aid, don’t make enough to really life on.
Even before this, I never lived above my means - no credit cards, no loans, rented a cheap apartment, no luxeries.
I barely make ends meet - I don’t eat out, I don’t buy games, I borrow internet from a kind neighbor, I own a prepaid cellphone that I put $25 a month on, I don’t have cable, I no longer have a vehicle after the engine and transmission went out.
Hospital bills from 2014 are the last thing on my mind.

They do - they sold off my debt to collection agencies. $140k of medical debt sold off to a 3rd party does affect your score.

you probably have no score + collections on certain credit files, but if you need a vehicle that will certainly hold you back from using normal banks since you already don't make the income to get approved for a car loan. If you want to get a vehicle down the road your's is one of the few situations where I could suggest a tote the note style dealership as you may be able to get a sub 100 dollar payment if you can save aside some money down even with your income and credit. Sorry to hear about the hard luck user but that's the only route I can think of short of saving up for a cheap cash vehicle.

I walk, slowly, but I usually walk because where I live there is no public transportation system.
There’s no way for me to save up, usually by the time I cover rent, utilities, and cheap meals for the month, I have exactly $7.28 to my name, sometimes a little less, sometimes a little more, but always less than $10.

was at 724 last week, checked two days ago, down to 632 from unpaid medical bill. i’m 22 going to school i have absolutely no way to pay a $800 medical bill. i’m very sad now

Are you penalized for working? You need an income boost

I can’t work.
95% disability on my back and leg from an accident at work. Company went out of business rather than the shitty owner paying me for my injuries.

His workmans comp should have covered you?

760. Was 820 until my dog got sick.

The max is 850 mongoloid fuck...

zero point zero

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>The max is 850 mongoloid fuck...
fico is 850, others also rate 850&above. I am honest, the number 1000 was pulled out of my ass but saw a friend have 970, so 1k is a logic conclusion

learn an online skill.
Like coding, SEO, networking, website design. All of that you can do at home with a internet connection. You could literally play video games and level peoples accounts for cash.
Runescape, LoL, WoW, and probably many more have irl markets.

Old school runescape alone pays something like 75cents per mil (independent buyers on various forums). Hand mine a few mil, save up and buy a script, have 10 accs running on script at a time and profit. Tax free.

>fico is 850
And fico is the one mattering the most, so point invalid.

He apparently never paid into it. Just one of the many lawsuits and fines from the state against him now.
I can’t afford a lawyer, so I can’t go after him directly, not that it would do any good since even if I won, it’s a civil case which means payment isn’t enforceable.

No computer. I connect online through a tablet a friend gave me when he upgraded his.
Even the internet is borrowed from a kindly neighbor.

>so I can’t go after him directly,
dont bother, private insolvency secures him and his ownings. Had a similar case that forced me to fire a worker a year ago, because the comany I billed "lost equity" while just changing CEO

Old school runescape has a downloadable android app to connect. It's actually very good

That’s what I also figured would be the case.
At least he is being hit by the state for not paying unemployment insurance and workman’s comp while he had his business running.

I’ll look into it, but honestly the prospect of sitting anywhere for long periods of time is daunting because of my back.

>At least he is being hit by the state for not paying unemployment insurance and workman’s comp while he had his business running
Yeah, most likely prison time. The shitty part of the story is, that the state is proretized over its civilians when asked about debt. He has to pay that shit back one way or the other, while he can sit out your debt in simple 7 years

830~ It dropped to 750 when Bellco reported me 30days late on an account that wasn't mine. After 2 months of fighting with the stupid mofos they finally fixed it and I'm back up to 820ish. Just get a mix of cards, always pay them off at the end of the month, don't close cards...that's about it!

Idk what to tell you nigga, you can't transport yourself or sit in one place. Take breaks every 45 mins.. once you can get a botting script running you don't have to sit there

wtf is that? some sort of chinese scoring system? can you retards even say freeduhms?

m.youtube.com/watch?v=SIQtofOaUYk

Strong to quite strong

No I appreciate the help. I usually don’t ask for any, because I don’t want to be a burden on others, hence why I walk.
I wouldn’t have internet except the neighbor came over one day asking for some help with her car, and saw that I don’t really own anything but mostly a spartan rental place.

Too bad you're not an illegal alien. They just throw money at them

This.

How many rooms do you have? You could always get a roommate and use their shit when they are at work lol.

Nope, just one of those over privileged white guys, you know, the ones who have everything handed to them on silver trays.

Rooms - 1, plus half bath, kitchen, and living room. It’s a small trailer home. I live in a small trailer park community. Got the cheapest place I could afford with manageable stairs.

780 bitch
pay your bills, poorfag

Are you on SNAP? Maybe you can get some state grants or something?

Make too much as a single person.

1k a month? With all those living expenses? Fuck dude what state are you in?

Oklahoma.
Last time I checked the SNAP tool, it said I would get $15-25 a month in benefits.
I decided against trying to file, let some other family who needs it more get it.

dont have a credit card.
the few people I know who have one are $5~15k in debt and are constantly broke because they keep using their "free money".

Doesn't work that way, nigger.
It's fun that you like to think so, but that's far from the truth. Keep thinking it though, it might give you vim and vigor but wont get you very far in life except for handouts and quota crap.

Ask me how I know you haven’t read the thread.

Ask me how I know that you're a nigger?

Credit scores are for poor people

White as white can be, dumbass.