ArmoredThirteen comments on The numbers will determine your fate

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founded 3 years ago

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[–] ArmoredThirteen@lemmy.ml 17 points 2 years ago (3 children)

Bunch of rentals in Seattle are requiring credit of 750+. I thought my 740 credit wasn't half bad for only being in the credit game for like 6 months but it still can't get me shit here

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[–] lqdrchrd@lemmy.blahaj.zone 16 points 2 years ago (2 children)

A minimum 750 credit score is crazy. I haven’t ever missed a payment on any line of credit in my life and mine is 751. The maximum is 850 for god’s sake!

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[–] Fox@pawb.social 9 points 2 years ago*

At a certain point it's just excluding younger applicants, because their credit history is just too short to hit that requirement regardless of the other factors. Now if you want an easy way around it, just buy a trade line - pay someone to add your name to their credit card, and your credit score (temporarily) goes up. Bullshit for a bullshit system.

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[–] jaschen@lemm.ee 3 points 2 years ago

Errrr, I was low 700 and was approved for the lowest rate in Bellevue. Maybe you should try a different bank.

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[–] PatFussy@lemm.ee 3 points 2 years ago* (1 child)

I just had to check.. I've been paying bills and shit on time for 15+ years and I am barely at 748. I even have like 60k USD in available credit. How the fuck do they have a minimum of 750 like wtf.

On another note, something also crazy is that I noticed that when I bought my first home my credit dropped 100 points. The banks actually lowered my credit score on buying a house...

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[–] instamat@lemmy.world 2 points 2 years ago

Age of accounts and utilization are huge factors, so if you’ve opened and closed a lot of accounts, and if you’re over 10% utilization then your score will come down. Leave accounts open even if you don’t use them. The age will help.

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[–] instamat@lemmy.world 2 points 2 years ago

740 is great, don’t let those fuckers get you down.

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lemmy:	0.19.20
mlmym (mschae):	26.3.4