Now your credit score is under scrunity?

[CarnageParticipant 22113]

Red alert, shields up.

MGTOWER identified the enemy, is a clasic gold digger.

To those following me, be careful, I just farted. Men those beans are killers.

[MarketWatcherParticipant]

Slayher wrote:

Sorry Bloomberg, MGTOW is one reason I have a high credit score.

Bingo. Thanks for starting this topic. It reminded me that Chase was going to close one of my cards due to inactivity. I called them and requested the available credit line be transferred to my monthly bill payment card. I did not want my available credit to go down so my credit score will not be affected.

[markParticipant 451]

I wrote about this before and I will repeat myself again, with a shorter version. Please read each of my words, as my explanation does not work if you cut any of them:

Today, generally speaking, and with the exception of royalty and others born in rich families, for the average Joe the FICO score represents much more than whether he has money or not. In fact, the FICO score determines not how much you have (to an extent), but how well do you use your money.

If you study hard, get good grades, take risks, have good ideas, put passion, are real smart…chances are you are going to make good money, and know how to use it.

A FICO score is a great indicator of the stature of a man in today´s society. And yes, including the ones ruined by a failed marriage…who chose to marry her?

Of course this only applies to western societies where you get plenty of opportunities. I grew up dirt poor, as in food-stamp, second-hand-everything, salvation-army poor. I pulled myself out because I took the opportunities that are available for all of us, including (but to a lesser extent) whites like me.

So if a woman wants to know my FICO score, I will most gladly oblige, because my score, and my money, are an extension to myself. I earned that money, it represents my abilities in life, where is the problem?

…ah! I know. They want to get to the money! Well, good luck with that, of course.

[sidecarParticipant 35837]

: “How can you afford all this great stuff?”
: “I never spend money on women. Ever.”
: “But wait… You never spend money on women, but you always have women chasing after you…”
: “Exactly.”

[Anonymous 11]

High credit score is the equivalent of a fat wallet. She can easily monkey branch right before you hit sub-prime.

I’ve always maintained a high credit score. It recently saved my ass.

I’d tell one mine is 400.

[markParticipant 451]

Anonymous wrote:

High credit score is the equivalent of a fat wallet.

Not exactly.

If you have 10 million in the bank but never ever do anything with it, your credit score will be lower than someone who makes 3k a month with a mortgage and buys on credit AS LONG AS he pays off all of his bills on time.

Obviously a fat wallet implies that the person will pay off his debts, but you need cash flow to generate good credit.

This is NOT to recommend people to get into debt but to recommend people to use the credit card smartly. I use my credit card as often as I can, and then pay it all at the end of the month. From time to time I will put my work expenses on my personal credit card with one excuse or another. All of that increases my score.

Then I get to reap the rewards, not only in terms of women but things like being able to shop for mortgages. I got my last apartment with a FIXED interest rate of 1.53% and no BS commissions.

[BeerParticipant 11832]

mark wrote:

Not exactly.

Yup…all your “credit score” shows is that you have reliably paid debt. Some guy making 100k a year with 1 million+ in assets with no debt and no credit card who pays for everything cash or debit is going to have a lower credit score than some guy with 500k in debt making 100k a year making all his payments on time even though the first guy has the fatter wallet and is in much better shape financially.

One thing I never understood about credit scores is why people think its so important. Again…take the above examples. If your the dude with 1m+ in assets and want to buy a new car…you just go buy a new car…you don’t have to give a f~~~ about your credit score because you don’t need the loan.

From personal experience when I’m talking about money with people its the broke ones(case in point for this thread, women) who tend to care the most about credit scores and loan rates. People with money would rather talk about stocks, real estate, and retirement planning.

[bigboy83Participant 11312]

Their running out of things to f~~~ up.

Shit Tested, Cunt Approved.

[sidecarParticipant 35837]

Beer wrote:

Yup…all your “credit score” shows is that you have reliably paid debt.

Not quite right, either.

Your credit score is actually a measure of how reliable an earner you are for lenders. Someone who maintains a short term balance making regular payments, including interest, without defaulting will have a higher credit score than someone who barely uses his credit cards and pays off his balance every month to avoid paying interest.

[NerdTunnelerParticipant]

LOL…Soon there will be an actual monetary value for “love”…
Oh wait…there is one for short term or long term…
Its called prostitute price for short term, and alimony for long term…

I stand with feet apart and let my balls hang free...Manginas dont have balls...See how they stand and sit at the whim of their masters...

[HydroParticipant 164]

How is a man’s credit score ever even a possible topic of conversation? Rule #1 is never deal with any woman that knows any of your personal identifying information, especially your real name, for obvious reasons well covered in this forum.

Bottom line if she knows any identifying information about you she is automatically disqualified.

This includes any woman associated with your work, school, any of your medical or dental providers, utility & similar service companies, banks, credit agencies, or anywhere else where they know your real name or any other personal information.

So for a guy to actually volunteer and give his real name or entertain any whores who might try to inquire about his credit score, that’s just plain f~~~ing stupid.

[HammerheadParticipant 362]

It took me a couple years after the divorce to build my credit scores back up (thank you, creditkarma.com!). Paid off my debts early: car, motorcycle, and a personal loan to cover the astronomical attorney fees (both hers and mine). It was painful living so – relatively – frugally, but it was worth the effort. Use free websites to figure out how to play the phony credit rating game, and you get better loan terms and rates.

[Ranger OneParticipant 16836]

I have well-above 800 credit score, but not from making interest payments and being in debt. About 80,000 in credit card available and only utilize about 3% a month and pay it in full to avoid interest.

I recently bought $500 worth of body armor with a credit card deal (50,000 points–$500 for spending what I normally spend over 3 months) … I shift which credit card I use based on offers for extra points.

Credit is great if you are disciplined and smart about it. The problem is most people aren’t smart, and most smart people aren’t disciplined.

My auto-loan is under 4%.

All my life I've had doubts about who I am, where I belonged. Now I'm like the arrow that springs from the bow. No hesitation, no doubts. The path is clear. And what are you? Alive. Everything else is negotiable. Women have rights; men have responsibilities; MGTOW have freedom. Marriage is for chumps. If someone stands in the way of true justice, you simply walk up behind them and stab them in the heart-R'as al Ghul.

[Author]

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