What does credit score say about you?

[Spider]

[Saz]

Non responsive. Like I said you are the idiot that goes to credit cards . Com for advice when that shit is geared to get someone from 600 to 700. There is a reason you didn't respond to the rest of the post and that is because you are WRONG. You will not have a 800+ score without paying interest, and there is no person out there who does.

I'm three steps ahead of you here and you are still talking about utilisation and shit. Go ahead and respond to the rest of the post, because it's clear you have no idea what you are talking about and have no response.

[Saz]

FACT: you will never have a score above 800 without paying interest. That is what I said and it is true. You are an idiot who reads credit karma bullshit at face value. Go check flyer talk or fat wallet or boggle heads, people who spend an instance amount of time on this shit to earn card rewards, and you will see there is no way to push your score to 800+ without paying interest.

You are a f**k simpleton with respect to this and probably have a lower credit score than I do despite an extra decade and a mortgage. Sit down.

[Saz]

Go ahead and say something intelligent about reporting dates little guy. You probably haven't even checked when your lenders report to the bureaus. f**k amateur.

[Saz]

[Spider]

[Saz]

Don't listen to him man, he is full of shit. Think about it. If all they cared about was using credit responsibly, why would having 0% utilisation (or having a card that you always have paid off on time but simply haven't used recently) decrease your score? There is nothing irrisponsible about that...and yet credit agencies want you to use the card at least some of the time...or use credit you may not actually want or need to use.

You saw it right the first time, trust your instincts on this. Don't listen to spider, the guy quote Bank of America as if they haven't f**k over million of responsible Americans like you.

[Winchester]

Use credit when you need it, use it responsibly and make your payments timely and you'll have a good enough credit rating given enough time. To me a really high credit score is only important if one wants to take advantage of zero % interest on car loans other than that IMO it's pretty worthless. As long as you a decent score (doesn't have to be perfect) and your debt ratio is in the acceptable range one will qualify for the bigger loans such as a home mortgage. Not having a credit history at all is bad though when one wants a mortgage. It's not insurmountable but holy shit what a PITA.

[Winchester]

[Saz]