tOfficial Not really a Night Shift Thread v60, with less spicy sauce.

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Dole ver 2.0 said:
Not if they give it to you free on your bank's site.

If you check through other sources, I heard it does affect the score.
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This.

My bank and credit card gives me like one per month.
 
Inquisitor said:
An easy way to Discover it.
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Freezing Weather Man GIF by John Crist Comedy
 
huskers1217 said:
yeah. i refinanced the house last summer and it was a little over 800.

I need to replace a car probably next year so I guess ill check it then.
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I check it monthly. Any significant change could be a sign something is amiss, like Moxie running wild with one of my cards...
 
Sites like Credit Karma are good to know directionally what your score is and to monitor activity, but don’t take their score as gospel. There are many different FICO models and most lenders don’t use the one that shows up on Credit Karma and other sites like that. They also don’t use the model touted as Experian Boost (where they use self-reported utility trade lines to boost your score), so don’t waste your time with that.
 
williewilliejuan said:
Sites like Credit Karma are good to know directionally what your score is and to monitor activity, but don’t take their score as gospel. There are many different FICO models and most lenders don’t use the one that shows up on Credit Karma and other sites like that. They also don’t use the model touted as Experian Boost (where they use self-reported utility trade lines to boost your score), so don’t waste your time with that.
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So I shouldn't trust this offer I got to increase my credit score and penis size at the same time?
 
williewilliejuan said:
Sites like Credit Karma are good to know directionally what your score is and to monitor activity, but don’t take their score as gospel. There are many different FICO models and most lenders don’t use the one that shows up on Credit Karma and other sites like that. They also don’t use the model touted as Experian Boost (where they use self-reported utility trade lines to boost your score), so don’t waste your time with that.
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Its also good to opt out of those mailed, emailed and texted solicitations for loans and lines of credit.
 
Dole ver 2.0 said:
Its also good to opt out of those mailed, emailed and texted solicitations for loans and lines of credit.
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The most important things when it comes to your credit score are average age of your tradelines (newer tradelines hurt your score, so be wary of balance transfers to a new card if you’re worried about your score); credit history/derogs (pay your bills on time) and utilization on revolving accounts. If your credit cards are maxed out, it’ll hurt your score.
 
williewilliejuan said:
The most important things when it comes to your credit score are average age of your tradelines (newer tradelines hurt your score, so be wary of balance transfers to a new card if you’re worried about your score); credit history/derogs (pay your bills on time) and utilization on revolving accounts. If your credit cards are maxed out, it’ll hurt your score.
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🔧
 
williewilliejuan said:
The most important things when it comes to your credit score are average age of your tradelines (newer tradelines hurt your score, so be wary of balance transfers to a new card if you’re worried about your score); credit history/derogs (pay your bills on time) and utilization on revolving accounts. If your credit cards are maxed out, it’ll hurt your score.
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What's the rule of thumb? Never use more than 30% of your credit at any given time or is it 20%?
 
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