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Credit reporting is fucked.
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2021-12-14 at 1:58 AM UTCI got over $8k taken off my credit report and it only went up 3 points.
Yet i miss a $7 payment by 1 day and it dropped 60 points.
Fucking stupid. -
2021-12-14 at 2:27 AM UTCi was working on mine but i got it up 50 points then corona hit and without me doing anything it went down 40 points so I said FUCK YOU GUYS!!!!!!!!!!!!!!!!!!!!!!! paid off my loan i got to help my credit up and emptied my accounts I got jars outside with c notes in em
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2021-12-14 at 2:28 AM UTC
Originally posted by Fonaplats I got over $8k taken off my credit report and it only went up 3 points.
Yet i miss a $7 payment by 1 day and it dropped 60 points.
Fucking stupid.
So its based more off of buying behavior over that of how much payment transfer is. its still a delinquent. but you need to pay all of your debt off. Is your debt to 0 now?
pay for Experian. it's 19 a month. then lock your credit cards and bank cards and put a lock on your credit report. people running a report on you will drop it 20 points. so it may have been a credit check on your ass. you need to lock it and your social security down. this will allow the FICO to go up.
if you go to buy a car or something, then unlock the experian for that duration and when they are done, you lock it back down again. -
2021-12-14 at 3:52 AM UTCyou need to take some accountability and accept responsibility for your choices or you will literally kill yourself and the people who love you
The following users say it would be alright if the author of this post didn't die in a fire! -
2021-12-14 at 3:27 PM UTC
Originally posted by Quick Mix Ready pay for Experian. it's 19 a month. then lock your credit cards and bank cards and put a lock on your credit report.
No need to pay for that, you can put a credit hold on all 3 credit bureaus for free. (It last 3 months and then you have to renew it). You can do it online too in a few mins at each of the 3 credit bureaus websites.
OT
Your score is based on many factors.
on time payment
age of accounts
number of accounts
debt to credit ratio (keep it below 30%)
Hard inquires (keep it below 2 if you can..hard inquiries stay on your record for 2yrs)
etc
Paying everything off while it makes you feel good wont help you build your credit.
I have max credit score and no debt so I use my credit cards so it remains active...and pay the balances at the end of the month so no interest..you can also rake in the cash back/bonus points doing that too.
Mine is 850...in October it inexplicably dropped 19 points (nothing had changed) but then in November it went back up 19 points...the point being it's not an exact science. That adds to your regular monthly payment history and on time payments...which will keep your credit score stable. IF you don't use it it will start to drop points for inactivity.
do NOT pay for any credit building services like Experian offer...it's bullshit (and only applies to their credit report anyway)..the ONLY way to build credit is be responsible and being responsible over TIME. -
2021-12-14 at 3:57 PM UTCfixing your credit score or having a great credit score only shows you are a willing commie cuck of a human who will wear a mask and follow the one rule world order,, OBAY!The following users say it would be alright if the author of this post didn't die in a fire!
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2021-12-14 at 4:14 PM UTCMy credit is 72
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2021-12-14 at 4:23 PM UTCmines is 420
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2021-12-14 at 4:30 PM UTCI put my cardboard box up for a second mortgage
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2021-12-14 at 4:44 PM UTCnot me, I only have to pay 550 a year for taxes on my hut,, I'll not put it in debt by borrowing on it
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2021-12-14 at 5:33 PM UTC
Originally posted by POLECAT fixing your credit score or having a great credit score only shows you are a willing commie cuck of a human who will wear a mask and follow the one rule world order,, OBAY!
It also means when shit hits the fan you can live like a fucking king for a few months on "the man's" dime before you kill yourself. -
2021-12-14 at 7:10 PM UTC
Originally posted by POLECAT fixing your credit score or having a great credit score only shows you are a willing commie cuck of a human who will wear a mask and follow the one rule world order,, OBAY!
I agree its best to fuck off the central system for good, however if you want to run a business and want to make the leap of getting funded for it, the Banking system and a Government asst SBL can only happen with a FICO 750 and above.
Even with a kick-starter aka crowded funding. You are required 1/3rd funding upfront to start a business (unless its something like printing T-shirts or Film, Music related then kickstarter doesn't require you to have any upfront percentage.
I want to start a Night Club in San Francisco or Oakland or possibly NYC (So the SBL isn't good enough for me) if I can get a chance.
it's very very expensive. a full liquor license is close to a Million and you have to find a broker and be put on a lottery each time. unless you know the party selling. -
2021-12-14 at 7:33 PM UTC
Originally posted by Quick Mix Ready I agree its best to fuck off the central system for good, however if you want to run a business and want to make the leap of getting funded for it, the Banking system and a Government asst SBL can only happen with a FICO 750 and above.
Even with a kick-starter aka crowded funding. You are required 1/3rd funding upfront to start a business (unless its something like printing T-shirts or Film, Music related then kickstarter doesn't require you to have any upfront percentage.
I want to start a Night Club in San Francisco or Oakland or possibly NYC (So the SBL isn't good enough for me) if I can get a chance.
it's very very expensive. a full liquor license is close to a Million and you have to find a broker and be put on a lottery each time. unless you know the party selling.
I'll volunteer to sell drugs in your club to attract more customers -
2021-12-14 at 7:59 PM UTCi can take out a $10,000 limit card literally waiting for me at any bank, if you can't do this op you should have shame
this is why you can't be loved the way you need ever
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2021-12-14 at 8:11 PM UTC
Originally posted by Solstice I'll volunteer to sell drugs in your club to attract more customers
In San Francisco, If you promise to kick back the cops 10% you would have no problem. shits like Chicago 1930s up here right now.
No Lie. I hate seeing corruption but Drugs shouldn't be illegal. just the Fent being passed off as Heroine. those fucking scumbags are killing people and wasting the shots we were talking about earlier where the Paramedics are giving a 3 strike rule for heroin/Fent users. use at your own risk, third time they show up for you is the last.
I am not an advocate of illegal substances but then again I'm pushing Alcohol so who gives a fuck. I won't give you that back room I know nothing about through the Closet Coat Check room I knew nothing about. Leave a donation in that drop box that mysteriously falls into my basement office I keep wondering why there is money on that floor.
I keep my club clean though. No prostitutes and no underage. Im not losing my license for that shit.
and Hoes. Bring Cage Dancing Hoes -
2021-12-14 at 8:12 PM UTCFive dollar lap dances
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2021-12-14 at 8:13 PM UTC
Originally posted by Zanick i can take out a $10,000 limit card literally waiting for me at any bank, if you can't do this op you should have shame
this is why you can't be loved the way you need ever
hey 10 grand would be hip in say Beatnik 1950s North Beach SF
but umm this is 2022 (almost) A million-dollar card at any bank waiting for me? dun think so. But thanks for the input. -
2021-12-14 at 8:17 PM UTC
Originally posted by Quick Mix Ready I agree its best to fuck off the central system for good, however if you want to run a business and want to make the leap of getting funded for it, the Banking system and a Government asst SBL can only happen with a FICO 750 and above.
Even with a kick-starter aka crowded funding. You are required 1/3rd funding upfront to start a business (unless its something like printing T-shirts or Film, Music related then kickstarter doesn't require you to have any upfront percentage.
I want to start a Night Club in San Francisco or Oakland or possibly NYC (So the SBL isn't good enough for me) if I can get a chance.
it's very very expensive. a full liquor license is close to a Million and you have to find a broker and be put on a lottery each time. unless you know the party selling.
People who want to buck the system are like those bitches who want equality but then expect you to pay when the bill comes.
...in that they want to use the infrastructure and everything society provides...but then get all upperty when they are expected to conform with it.
Can't have it both ways bitch! either pay for the fucking soup or don't have it. -
2021-12-14 at 8:17 PM UTC
Originally posted by Solstice Five dollar lap dances
I witnessed under age (16 year old) being hooked in SF> though they weren't trafficked and went home to their parents. they were recruiting near the district I last worked in. I felt bad for their parents but stayed out of it only because they chose to get into it. but I feel there is a huge underground (literal) in SF tunneling system.
Kind of related going back to the 1800s. Big China in Little China was loosly based on the chinese tunnels under San Francisco for the "Shanghai" which wasn't done by the Chinese but by Caucasians who hired chinese to bring slaves back and forth and forced labor of Men onto ships for nothing but survival and a meal and lots of batting down the hatchet (whatever the fuck that means)
this shit happen up and down the coast from San Diego up into Washington and Canada. -
2021-12-14 at 8:23 PM UTC
Originally posted by Jiggaboo_Johnson People who want to buck the system are like those bitches who want equality but then expect you to pay when the bill comes.
…in that they want to use the infrastructure and everything society provides…but then get all upperty when they are expected to conform with it.
Can't have it both ways bitch! either pay for the fucking soup or don't have it.
They expect kickbacks if you want to stay afloat. your money is in a socialist city. Chicago, New Orleans, San Francisco, Portland, NYC, (ad to this list) are all commie city. but money is made under the table for the system and kickbacks. you play along you get to stay strong. if you fight against it for self-preservation or ethics, You lose!
Everyone knows this. Union Cities are Socialist Cities and everyone shares the wealth. Which I wouldn't mind, but Im the one who's hustling to keep it going.
You wonder why in that film Studio 54 with Mike Myers playing the Club Owner in NYC back in the 70s and 80s was hiding money up in his office ceiling as his own 401k everything else stays boarded in the red.
you file bankruptcy and change your fucking name and move on. I truly want to be an honest business man but the corrupt system forces this on club owners. Always has. nothing has changed in the last 150 plus years
