boutta get that infinity stone before i turn 21

not in Canada, its considered in poor. But once its past 700 its decent

F*** Canada

@ROVO

F*** YOU P**** TALK OUT THE SIDE OF YOUR NECK ABOUT CANADA AGAIN AND I WILL SEND A GOOSE TO F*** YOU UP

Thank you for the heads up

Mines 768

For real? I never knew it was only in the US. That's fascinating.

So that's got me curious:

1) how do they determine whether to approve you for a mortgage/car loan/credit card?

2) are there any negative effects of missing a loan/credit card payment since there is no credit score to be hurt by it?

There are so many factors that go into a credit score, but it sounds like you have a low score simply because you're not paying attention to your credit (you don't have any credit cards). If that's true, then it's pretty simple and quick to get it up pretty fast.

If you're missing payments on them that will def f*** you up, but simply having the loans shouldn't make you have a low score. It's not great if the loans are way higher than you're income, but it's still not going to crush your score or anything.

Just curious cause it seems like there are so many people that have a score below 600 on here, what's the main reason?

hmmmm gotcha, it’s probably cause my credit is like 3 years old too

400 something

mine was at around 500 a couple of years ago. finessed the collections agency and now we movin on up boys. Will be 700+ by the end of the year.

Old enough.

Got this from the internet but its pretty much spot on

Each loan application is reviewed based on your current salary, your family situation, current debts, residence status, and other factors. However, if you don't make timely payments on loans, the lender puts you in a special file that's shared by all lenders across most of Europe, and you'll have a great deal of difficulty getting a loan.”

I'm tumbling around 738 to 754. Never seen smywher close to 800

30s for sure

740+

Don’t wanna talk about it

Hmm should be higher than 702 at 3 years old

Are the school loans the only credit you have?

Ahhh interesting. So basically it's all the information that's in a credit report in the US without the number score

😦 Im in the low 700's but i had a secured with a credit limit of $200 so my utilization was what f***ed me i think.

if you dont put anything on the card does that affect your score?

740