Current Events > If you're over 25 and have less than 800 credit score...

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Trickfinger
01/13/21 12:49:06 AM
#1:


What is it you've been doing with your life exactly?
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BuckVanHammer
01/13/21 12:50:01 AM
#2:


shit happens bud.

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SevenTenths
01/13/21 12:50:44 AM
#3:


Building America with debt like a proper American you commie

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Trickfinger
01/13/21 12:50:59 AM
#4:


BuckVanHammer posted...
shit happens bud.

Such as?
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Zikten
01/13/21 12:51:41 AM
#5:


i'm 39 and have zero credit score. have never had a credit card in my life
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SevenTenths
01/13/21 12:52:35 AM
#6:


Zikten posted...
have never had a credit card in my life


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BuckVanHammer
01/13/21 12:52:54 AM
#7:


Trickfinger posted...
Such as?
stuff. things.

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Smackems
01/13/21 12:53:50 AM
#8:


Shitposting

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Trickfinger
01/13/21 12:54:26 AM
#9:


Zikten posted...
i'm 39 and have zero credit score. have never had a credit card in my life

Never having a cc doesn't mean you have a 0 score.
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Heartomaton
01/13/21 1:00:41 AM
#10:


Not paying exorbitant medical bills, obviously.

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Cobalt_Wasps
01/13/21 1:01:49 AM
#11:


im 33 have a 733 CC
i dont buy a lot of stuff, never had a credit card, and i always pay my bills on time


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Zikten
01/13/21 1:02:10 AM
#13:


Trickfinger posted...
Never having a cc doesn't mean you have a 0 score.

well I never had a credit card, and apparently I DO have zero score somehow. I checked once.
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fuming
01/13/21 1:03:44 AM
#14:


your credit score covers car loans, mortgage loans, etc as well, it isn't just credit cards it takes into account.
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Zikten
01/13/21 1:04:42 AM
#15:


yea well I never did any of those things. I never had a car. never owned a home etc
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BloodMoon7
01/13/21 1:05:44 AM
#16:


I've never had a credit card either wtf

No car or home ownership too

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Trickfinger
01/13/21 1:08:53 AM
#17:


Omg yall are some n00bs smh
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Graycap
01/13/21 1:09:30 AM
#18:


Why the fuck would I have credit?
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Trickfinger
01/13/21 1:10:13 AM
#20:


Please tell me you lot are teenagers.
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BloodMoon7
01/13/21 1:10:41 AM
#21:


Trickfinger posted...
Please tell me you lot are teenagers.
Creepy. Why do you want to know wtf

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Trickfinger
01/13/21 1:11:27 AM
#22:


Because then it's okay that you don't have a credit card.
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ChocoboMog123
01/13/21 1:11:28 AM
#23:


Bank opened and closed an account without my permission.
I don't have any outstanding long term debt.

You have to actively try to get 800.

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Trickfinger
01/13/21 1:12:09 AM
#24:


ChocoboMog123 posted...
Bank opened and closed an account without my permission.
I don't have any outstanding long term debt.

You have to actively try to get 800.

... Uh duh? If you're over twenty-five that comes easy. Unless of course you're some sort of man child
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jon1012
01/13/21 1:14:23 AM
#25:


According to Experian the avg credit score is 711.

https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/

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Mr_Rian
01/13/21 1:14:55 AM
#26:


Zikten posted...
i'm 39 and have zero credit score. have never had a credit card in my life

Zikten posted...
well I never had a credit card, and apparently I DO have zero score somehow. I checked once.
Where did you check? Because scores don't start at zero.

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Trickfinger
01/13/21 1:15:45 AM
#27:


Mr_Rian posted...
Zikten posted...
i'm 39 and have zero credit score. have never had a credit card in my life

Zikten posted...
well I never had a credit card, and apparently I DO have zero score somehow. I checked once.
Where did you check? Because scores don't start at zero.

Bruh Gamefaqqers are just so unintentionally hilarious
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TheoryzC
01/13/21 1:18:37 AM
#28:


"Zero credit score" lmaoooo

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Harpie
01/13/21 1:19:05 AM
#29:




im 21 tc how am I doing

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Trickfinger
01/13/21 1:19:39 AM
#30:


Harpie posted...
<img src="" />

im 21 tc how am I doing

GOOD
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BloodMoon7
01/13/21 1:19:48 AM
#31:


Damn

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Trickfinger
01/13/21 1:20:03 AM
#32:


Wait for 21 that's actually great your parents must actually be worth a damn
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Zikten
01/13/21 1:22:27 AM
#33:


Trickfinger posted...
Unless of course you're some sort of man child

ding! ding! ding! we have a winner!

anyway, I don't know. I bought a new phone about a year ago, and tried to see if I could pay gradually but it required a credit check and I failed it. I thought they said I had zero credit but maybe it was something else. it wasn't enough to earn a monthly payment plan for a new phone
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Mr_Rian
01/13/21 1:23:48 AM
#36:


Probably just have no credit history. But that isn't a zero.

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Beefbud
01/13/21 1:23:54 AM
#37:


"today i think i'll brag about my credit score on a video game forum"

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Trickfinger
01/13/21 1:24:04 AM
#38:


Zikten posted...
Trickfinger posted...
Unless of course you're some sort of man child

ding! ding! ding! we have a winner!

anyway, I don't know. I bought a new phone about a year ago, and tried to see if I could pay gradually but it required a credit check and I failed it. I thought they said I had zero credit but maybe it was something else. it wasn't enough to earn a monthly payment plan for a new phone

It's most likely between 400 and 500
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Trickfinger
01/13/21 1:25:08 AM
#39:


Beefbud posted...
I have a 300 credit score

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samurai bandit
01/13/21 1:41:17 AM
#40:


ITT everyone was born in the US and have been building a credit score since they were kids.

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Dark_Spiret
01/13/21 2:38:19 AM
#41:


worked since i was 14 (34 now) and i have no credit record. never had a credit card and iv paid outright for nearly everything iv owned including my degree.
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Giblet_Enjoyer
01/13/21 2:42:34 AM
#42:


I only buy things with money I actually have, why would I have a credit card

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Turtlebread
01/13/21 2:43:14 AM
#43:


How do I check

never had a cc

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Verdekal
01/13/21 2:43:35 AM
#44:


I wanted a sad crying clown in an iron lung.

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Machete
01/13/21 2:46:59 AM
#45:


I paid a card off almost a decade ago and never bothered to get a new one until a few years ago. I think my score was low 700s then. Since getting new one, only had 1 late payment (forgot about some random holiday so it was processed a day late). Don't know what score is now.
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Proto_Spark
01/13/21 2:53:44 AM
#46:


waited until I was like 24 to get a credit card, because I know a LOT of people with major credit card debt. And then I tried to travel and realized I couldn't use a debit/credit at a hotel, and realized I need a credit card to totally function in society.

I still have as good a credit score as I can really get when my credit history is like 6 months long.
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Trickfinger
01/14/21 12:49:20 AM
#47:


bump

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PMarth2002
01/14/21 1:06:41 AM
#48:


When I was 21, I got into an accident, with no insurance. The debt from the hospital bills took years to stop affecting my credit.

Haven't really been financially stable enough to really improve my credit until the past couple of years. My credit's up to 755 now.

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Irony
01/14/21 1:08:00 AM
#49:


My credit score sucks because of high utilization

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Justanotherlark
01/14/21 1:15:58 AM
#50:


No lie, I legit have a 799 credit score.

why u gotta make me feel bad
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1337toothbrush
01/14/21 1:17:12 AM
#51:


I don't have a car loan or home loan on record because I own both outright, but apparently that makes my score lower than it could be.

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Politics
01/14/21 1:17:27 AM
#52:


I'm 27 and mine is in the high 700s

800s is for lame people imho

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#53
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Returning_CEmen
01/14/21 1:45:03 AM
#54:


Last I checked my score was 814
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