Members who have reacted to comment by Thunder Hawk

All (5) Like Like (5)

    1. matpower
      Like

      matpower

      Messenger from Zero 24 From Best state in Brazil
      • Messages
        1,105
      • Blogs
        3
      • Blog entries
        5
      • Blog entry comments
        148
      • Downloads
        1
      • Reaction score
        1,336
      • Trophies
        2
    2. Chary
      Like

      Chary

      Never sleeps 27
      • Messages
        12,381
      • Blogs
        3
      • Blog entries
        67
      • Blog entry comments
        962
      • Downloads
        11
      • Solutions
        3
      • Reaction score
        100,875
      • Trophies
        4
    3. TotalInsanity4
      Like

      TotalInsanity4

      GBAtemp Supreme Overlord From Under a rock
      • Messages
        10,800
      • Blogs
        3
      • Blog entries
        2
      • Blog entry comments
        817
      • Reaction score
        11,209
      • Trophies
        0
    4. StarTrekVoyager
      Like

      StarTrekVoyager

      Back? 23 From Paris
      • Messages
        1,091
      • Blogs
        1
      • Blog entries
        2
      • Blog entry comments
        270
      • Reaction score
        1,202
      • Trophies
        0
  • Loading…
General chit-chat
Help Users
  • ZeroT21 @ ZeroT21:
    sometimes I don't know if I'm frustated or happy

    :wacko:
  • K3Nv2 @ K3Nv2:
    I wanted to jerk off but my straight jacket won't let me
  • ZeroT21 @ ZeroT21:
    wait,...BDSM don't use straight jackets, what kinda horsin' around are you even up to? nevermind, dun wanna know
  • K3Nv2 @ K3Nv2:
    I didn't fall asleep with the jacket on
  • ZeroT21 @ ZeroT21:
    good luck, dun get butraped by ancientboi and you're gud
     +1
  • ZeroT21 @ ZeroT21:
    :rofl2:
  • K3Nv2 @ K3Nv2:
    Other way around ancientboi wants to be buttraped
  • SylverReZ @ SylverReZ:
    @ZeroT21, Only if you're too close to where he is.
  • ZeroT21 @ ZeroT21:
    :whip:
     +1
  • NinStar @ NinStar:
    I didn't sleep earlier because I spent the night completing a bunch achievements in my favorite mega man x game
  • K3Nv2 @ K3Nv2:
    https://powkiddy.com/products/powki...ole?ref=retrohandhelds&variant=44647381827831
  • cearp @ cearp:
    good morning
  • K3Nv2 @ K3Nv2:
    Fucking credit score keeps going up and down 7-10 points per month and I'm not even doing anything with it lol
  • M @ Materion:
    Hiya guys :)
     +1
  • BakerMan @ BakerMan:
    hey
     +1
  • cearp @ cearp:
    Ken - good score or bad?
  • cearp @ cearp:
    / going to be making use of it any time soon?

    Credit scores are weird but -- like you say, if you're not using it -- not using credit -- that's "bad" for your score
  • K3Nv2 @ K3Nv2:
    Trying to improve it at 645
  • K3Nv2 @ K3Nv2:
    Yet equafax is 678
  • cearp @ cearp:
    You need to show you can use credit / borrow money and pay it back to get a good score.

    Some people think that means paying interest -- that is NOT correct.
    For example, some think you need to "carry a balance" on your credit cards, and that if you pay the whole bill at once, that's bad.
    Not true at all. If you can, perfectly fine to pay your card statement in full.

    If you want your score to go up, don't close any credit cards - keep them all open as closing an account reduces your average age of credit account, which is bad.

    Also how the algorithms work, if you have multiple cards, have the final monthly balance reported on them be 0 (as in pay off early so nothing charged to you in your bill) on all but one card. So only let one card have a balance that's reported to the agencies.

    And keep your credit utilization below 30% - so if you're allowed to access $10,000 of credit, don't go above $3,000 or that looks bad.
  • K3Nv2 @ K3Nv2:
    I've been doing secured loans
     +1
  • cearp @ cearp:
    645 isn't a bad score but sure can be better. If there are any bad marks on your history, I've seen some people successfully get these removed by asking
  • K3Nv2 @ K3Nv2:
    One friend is like 550 I'm like how lol
  • K3Nv2 @ K3Nv2:
    Thing is we get so comfortable living we don't really have anything else we want to buy until something happens to said expensive item and then you gotta take another loan to replace that
  • cearp @ cearp:
    I did a secure loan once to build credit - worked well, specifically did a trick where the loan balance was kept at like 3% for 5 years. As having a loan basically paid off is good for your credit score.
    So took out the (small) loan, paid 95% off immediately lol, then paid $2 a month for a few years.
    Not every bank / credit union let you do that, and even the ones that do might think your behavior is weird lol :D
    cearp @ cearp: I did a secure loan once to build credit - worked well, specifically did a trick where the loan...