> Is Your Credit Score Better Than Mine?

Yep

wrote:

Yep

What is it?  Post pics.

You're still one of life's losers.

No. Mine is much lower. I posted images a couple months ago. 7-something.

But it is meaningless. I get all the credit I need. And I assume you are one of those “credit is for morons” people. So mine is lower but doesn’t cause a problem. Yours is higher but you don’t take advantage of it.

Sockpuppet wrote:

No. Mine is much lower. I posted images a couple months ago. 7-something.

But it is meaningless. I get all the credit I need. And I assume you are one of those “credit is for morons” people. So mine is lower but doesn’t cause a problem. Yours is higher but you don’t take advantage of it.

Well, I have an auto loan right now and about $500 on the credit cards but it will be paid off in time to not pay interest on it.

., wrote:

$500 - is that a joke? My average spend is $2K/$3k a month fully paid off at end of every month.

I put more than $500 over my credit cards every month for sure, it makes sense since I mostly use the 1.5% cash back card for normal purchases, like my delicious AYCE breakfast at Golden Corral this morning.    But the thing is I actually get paid weekly and have a decent amount in the checking account so it gets pad off even faster than at the end of the month.

Sockpuppet wrote:

Why?

Paying it off early rather than trying to get as many free finance days as possible?  I don't know.  Mostly laziness, I guess and I like to see zero balances once in a while.  To get the maximum benefit I have to stay on the ball.  This way if I am paying it off early all the time I am hardly going to ever incur any finance fees.

SamplesBoi wrote:

Well, I have an auto loan right now and about $500 on the credit cards but it will be paid off in time to not pay interest on it.

Bad debt!
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Samples_Boi wrote:

Having a high credit score is embarrassing. It is a public admission that you are too stupid to get a free $500 per 30 points lost.

I had to take out a car loan recently.  Having a lower score would have cost me more than $500.  If you are going to lose points you should go the Spanky route and trade them all in for $100,000.

SamplesBoi wrote:

Paying it off early rather than trying to get as many free finance days as possible?  I don't know.  Mostly laziness, I guess and I like to see zero balances once in a while.  To get the maximum benefit I have to stay on the ball.  This way if I am paying it off early all the time I am hardly going to ever incur any finance fees.

It seems like it is less work to pay it once a month on the due date.

Sockpuppet wrote:

It seems like it is less work to pay it once a month on the due date.

I check my bank site every other day for fraud / to see what I have been up to.  Since I am there, making a payment is pretty damn easy.

I think yours is better.  I only have one credit card.  Paid cash for my car, and my house is paid off.