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Quick Navigation Bottom Misc
Forum » Just hit 701 credit score!
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Thread: Just hit 701 credit score!

post 1647948673 09-28-2021, 01:24 PM
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#1
  1. SleepWithFan89
  2. Registered User
  1. SleepWithFan89
  2. Registered User
  3. Join Date: Nov 2019
  4. Age: 56
  5. Posts: 7,635
  6. Rep Power: 44640

Just hit 701 credit score!

Next week I am getting my 6months back pay from a large sale we made.

Will be paying off a car loan in full
And paying off my credit card

I should hit 740 maybe even 750 range


For context

I started my credit journey at 450 four years later I have good credit

I’ve paid off nearly 35 k in debt never missed one payment
post 1647948793 09-28-2021, 01:26 PM
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#2
  1. TheUniBrah
  2. Registered User
  1. TheUniBrah
  2. Registered User
  3. Join Date: Dec 2013
  4. Location: Ontario, Canada
  5. Age: 33
  6. Posts: 10,253
  7. Rep Power: 28074
GJDM


How did it get so bad in the first place?
post 1647948903 09-28-2021, 01:27 PM
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#3
  1. rectifryer
  2. enlightened
  1. rectifryer
  2. enlightened
  3. Join Date: Sep 2012
  4. Posts: 25,634
  5. Rep Power: 208783
Paying off cc will help. Paying off car will slightly negatively impact it in the short term, but will show up as better dti in longer scale.
Boycott foodservice industry crew
post 1647949033 09-28-2021, 01:30 PM
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#4
  1. Vikes723
  2. Ubromad?
  1. Vikes723
  2. Ubromad?
  3. Join Date: Nov 2010
  4. Location: California, United States
  5. Age: 34
  6. Posts: 6,411
  7. Rep Power: 34374
love but hate credit, you pay off a car loan you lose like 50 points right away like w0t? it bounces back but whats the fuk is the logic behind that
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post 1647949173 09-28-2021, 01:32 PM
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#5
  1. headturner1
  2. User title
  1. headturner1
  2. User title
  3. Join Date: Jan 2012
  4. Location: Washington, United States
  5. Age: 18
  6. Height: 6'5"
  7. Weight: 282 lbs
  8. Posts: 22,843
  9. Subscribers: 9
  10. Rep Power: 318488
Good job man!
post 1647949313 09-28-2021, 01:34 PM
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#6
  1. frutistafreeze
  2. Registered User
  1. frutistafreeze
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  3. Join Date: Feb 2011
  4. Posts: 15,574
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Good job brah. How do you even accumulate $35k in debt, or better yet, how do you pay that off?
post 1647949543 09-28-2021, 01:37 PM
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#7
  1. 78novacaine
  2. Registered User
  1. 78novacaine
  2. Registered User
  3. Join Date: Jan 2019
  4. Posts: 15,477
  5. Rep Power: 176552
Keep it up brah, you'll make it one day.

821 as of this morning checking in. 3 years ago I was sitting at like 650 or less.
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post 1647949643 09-28-2021, 01:39 PM
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#8
  1. LtGoose
  1. LtGoose
  3. Join Date: Jan 2014
  4. Location: Dallas, Texas, United States
  5. Age: 34
  6. Posts: 33,623
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Fuark how do you even get yourself into 35k debt? Brah never buy things you can't afford, even if your CC says you can.

Good job on paying it off tho.
post 1647949683 09-28-2021, 01:39 PM
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#9
  1. Legz422
  1. Legz422
  3. Join Date: Sep 2017
  4. Age: 57
  5. Posts: 45,722
  6. Subscribers: 2
  7. Rep Power: 626421
great job on getting your debts paid off and fixing your credit!
~ In a world where you can be anything, be kind ~
post 1647949763 09-28-2021, 01:40 PM
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#10
  1. GuineaDago585
  2. Bert McGirt
  1. GuineaDago585
  2. Bert McGirt
  3. Join Date: Nov 2012
  4. Posts: 40,589
  5. Subscribers: 3
  6. Rep Power: 406124
Nice man. I was knocking on 700’s door this summer, but an overdraft hit dipped me back into the 670s. It will be a celebration crossing that magic number for sure.

Keep it up!
post 1647950133 09-28-2021, 01:45 PM
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#11
  1. Krackerjacked
  2. GnomeSaiyans Bruh
  1. Krackerjacked
  2. GnomeSaiyans Bruh
  3. Join Date: Dec 2014
  4. Posts: 18,209
  5. Rep Power: 456633
Gjdm!
Sloots Gon Sloot.
post 1647950513 09-28-2021, 01:51 PM
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#12
  1. Lastrepbrah
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  1. Lastrepbrah
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  3. Join Date: Feb 2015
  4. Age: 37
  5. Posts: 2,235
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Look into Velocity banking, OP and everyone else in this thread. A real straight method to fixing credit and not sacrificing lifestyle too much. Works wonders for credit scores
We're all gonna make it brahs
post 1647950663 09-28-2021, 01:53 PM
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#13
  1. dan06lcm
  1. dan06lcm
  3. Join Date: Aug 2006
  4. Location: Beaumont, Texas, United States
  5. Age: 38
  6. Posts: 2,031
  7. Rep Power: 34867
Damn man congrats brah!!!! Mine is horrible right now because of ****ing up when i was younger. Mirin.
post 1647952333 09-28-2021, 02:20 PM
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#14
  1. SleepWithFan89
  2. Registered User
  1. SleepWithFan89
  2. Registered User
  3. Join Date: Nov 2019
  4. Age: 56
  5. Posts: 7,635
  6. Rep Power: 44640
Debt was from bail bonds
Personal loans
Payday loans and other drug related things court fines dui’s ect
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