I had to get circumcized to push my score above 800

welcome to /biz/rael

>Good goy, good goy! Who's a good goy? Who's a goood gooy~~

>>60495828
>>60495894
My rabbi thinks I can get it above 820 soon as long as I don't touch the light switches on Sunday :(

Top kek. Been stuck at 800 for 6 years now.

Donate half your net worth to israel and we can talk about 900

>>60495816 (OP)
I mean seriously though. Keeping a score above 800 at all times is kind of dumb.

Mostly says you're a good little goy taking out auto loans and mortgages.

>free credit screen on bank always has be around 730-750
>hard credit pull listed me at 831
How

>>60496019
>>60496013
Nvm. I understand now.

why do you care? what does this earn you?

>>60496013
My score is 840 and I've never had an auto loan -- only education and home mortgage. I guess they know that my blood is Jewish, just not raised that way.

>caring about goy score this much
what do you want? the #1 golem award? now you can subject yourself to a whole lot of usury! congratulations

>>60496047
you're not American, are you

>credit score is still stuck at 797 for the last several years
Which JEW cock do I suck to get those extra 3 points????????????????

>>60498345
You have to avoid using your credit cards for like a month. Pay down everything prematurely, auto pay statement balance isn't cutting it. Score bump will register in around 30 days max

>>60498360
It used to be ~830 but dropped down ever since I paid off my car ~6 years. Never took out any loan since then and have always treated my single (1) credit card like real cash by immediately paying off bills.
I'm not Jewish and have a last name that could be mistaken as Mexican so they're just teasing me at this point.

>>60495816 (OP)
Great. Now you can get the 6.5% mortgage instead of the 7% mortgage on the $800,000 house that was $500,000 three years ago.

My credit score was like 700 when I got my 3% mortgage on my $300,000 house a few years ago.

>>60497535
IDK what my score is and IDGAF anymore. I own my home outright and already have a low rate mortgage on my rental property. Any further debt I incurred will be for buying more real estate, and banks don't particularly care about credit scores and all that nonsense on income-generating property.

>>60495816 (OP)
Whats the point of getting a high credit score when you dont plan on buying another mortgage or can afford to pay off the car straight away?

How do Amerisharts make fun of China for having social credit score but then turn around and do this shit?

it's the same thing nigga

I’ve been hovering 740 since I was 18. Congrats op, I’m saving my foreskin though.

>>60498554
It's not government run and you don't lose points for lack of patriotism.

>>60498316
i am, but my parents were not financially savvy
i've got one credit card with a $25k limit that i pay off monthly so i really don't understand why i need a 'good' credit score. i don't actually know what mine is.