PapaHelmeritus

it's funny how life works

A cycle of payback and I told you so

sometimes I don't know if I'm frustated or happy

I wanted to jerk off but my straight jacket won't let me

wait,...BDSM don't use straight jackets, what kinda horsin' around are you even up to? nevermind, dun wanna know

I didn't fall asleep with the jacket on

good luck, dun get butraped by ancientboi and you're gud

Other way around ancientboi wants to be buttraped

@ZeroT21, Only if you're too close to where he is.

I didn't sleep earlier because I spent the night completing a bunch achievements in my favorite mega man x game

good morning

Fucking credit score keeps going up and down 7-10 points per month and I'm not even doing anything with it lol

Hiya guys

hey

Ken - good score or bad?

/ 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

Trying to improve it at 645

Yet equafax is 678

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.

I've been doing secured loans

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

One friend is like 550 I'm like how lol