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originally posted by: cmdrkeenkid
I've worked over the last few years to bring my score up from the low 400s to the high 700s. Paid off over $30k in bad credit debt. Thanks for the proposed slap in the face.
...people with poor lifestyle management and decision making skills
originally posted by: rickymouse
I gave you a star and flag for this comedy thread.
I have a credit score of around 825. It is not great, but adequate. My oldest daughter has a credit score of about six hundred, she blows more on things she wants than what she actually needs.
People with high credit scores mean they pay their bills on time. You can work at a job making ten bucks an hour and have a credit score of eight hundred if you were responsible and did not waste money on things that you do not need, only buying essential things. You can have a decent car and have a car payment you can afford, that will build your credit score, buy the basic new car without all the fancy stuff on it, the less on it the less can go wrong. Using your credit card and paying it off every month gives you a good credit score.
originally posted by: Bluntone22
a reply to: rickymouse
You pretty much nailed it.
All a credit score does is show how well you pay your debts...
There are other factors too like if you have over a 50% balance on some credit cards, that will lower your score.
Say a person with an 850 credit score only has $150 disposable income per month.
A bank will not give them a car loan with a $450 a month payment.