what increases your credit score faster than anything else?

>>60680768 (OP)
Paying it off. It's a scam.

>>60680768 (OP)
being white

>>60680768 (OP)
he cute

>>60680768 (OP)
wtf do I use credit score for if I buy cars in cash and I won't buy a house

>>60680768 (OP)
Faster? Having 0 balance on credit cards. Or getting added as an authorized user

If you're tarded though nothing works all that quickly.

The best credit score has a dozen cards open for 30 years with no late payments and uses 1 dollar on each one with a cl of $50k a pop. The person has applied for 0 new loans or credit cards in the last 2 years but also has a mortgage, home loan and student loan with $1 left on each.

Work backwards to see how you get to that, but it involves doing shit that will crash your credit score short term. Which is fine. Because you kind of have 3 buckets to aim for:

>You're not a high risk subhuman with problems
>You're good enough for the next credit cards
>You get the absolute lowest mortgage rate

killing niggers, sandniggers, and spics with your bare hands

>>60680947
this

>>60680868
Most jobs will check your credit score before hiring you now to make sure you're not an impulsive retard.

>>60680768 (OP)

Obey benjamin shekelstein like a good goy and your credit score will go up.

What are your goals? Do you have anything in collections?

>>60680926
Actually having 1% credit utilization. 0% puts you in danger of losing your limit or line altogether. 1% puts you in that seeet spot where you are responsible but the Jews don’t see you as a deadbeat they can’t make money off of

>>60680768 (OP)
$0.00 balances

>>60680868
debtmaxxing

>>60680926
>>60681303
i can't ask my fucking question, fucking stupid bot things my post is spam. fuck man.
just please elaborate on any terms used.

I lied about income on a card application, got way more limit than I should have, then I maxed it out and struggled with massive payments for 2 years. Then I did a heloc for something else and took extra to pay it off. Now my credit score is like mid 800s