this post was submitted on 15 Feb 2024
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Microblog Memes

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The numbers will determine your fate (lemmy.world)
submitted 10 months ago by [email protected] to c/[email protected]
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[–] [email protected] 3 points 10 months ago* (last edited 10 months ago) (1 children)

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...

[–] [email protected] 2 points 10 months 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.