Random Jabber Jibber thread

tangerinegreen555

Well-Known Member
I'd like to know what the secret sauce algorithm is for these credit bureaus scores.

This is on the same report in 2 different sections.

Screenshot_20210412-163946_Experian.jpg
Screenshot_20210412-164044_Experian.jpg

I run almost everything through cash back credit cards these days.

I got a nasty little note like the above a month ago that I 'wasn't using credit cards' with a red arrow down.

So I let $20 - $30 show up on 4 different credit cards by not zeroing out the balances at the end of the billing periods. You just can't please these computer programs.
 

srh88

Well-Known Member
I'd like to know what the secret sauce algorithm is for these credit bureaus scores.

This is on the same report in 2 different sections.

View attachment 4877163
View attachment 4877164

I run almost everything through cash back credit cards these days.

I got a nasty little note like the above a month ago that I 'wasn't using credit cards' with a red arrow down.

So I let $20 - $30 show up on 4 different credit cards by not zeroing out the balances at the end of the billing periods. You just can't please these computer programs.
You can only build credit with debt. It's fucked up lol. I was doing the same thing. Buying shit then paying it right off. Now I let it build a few hundred then pay it. As long as you keep 75 percent payed off it'll keep the computer happy and give you a great standing with your banks. It's bullshit you have to use it. "Have debt or be broke"
 
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