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General chit-chat
Help Users
  • K3Nv2 @ K3Nv2:
    Goes back to the oh I wanna fit in with this crowd type
  • ZeroT21 @ ZeroT21:
    I don't even have blood related family members left that I can talk to anymore, everyone is estranged
  • K3Nv2 @ K3Nv2:
    I live by if it happens to you it can happen to them and most likely will so fuck them
  • ZeroT21 @ ZeroT21:
    it's funny how life works
  • K3Nv2 @ K3Nv2:
    A cycle of payback and I told you so
  • 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.
    cearp @ cearp: You need to show you can use credit / borrow money and pay it back to get a good score. Some...