Shit I cannot make it move up by paying shit or anything else. It literally went up by 1 last month, the first change to it in 4 years. I have student loans I pay, and in that time I finished paying a car loan then sold the car and didn't buy another, moved, got an apartment for the first time since I used to live on campus, switched banks, and have had a ton of stuff that should significantly impact the score in different phases. But none of that has made one iota of change, then last month, after six months of no major changes, it goes up, but only by one?
Have you checked your report? Sometimes you just need to open more accounts.
A good trick is to open like 20 credit cards and lock the card number and throw them in a drawer. That way no one can actually charge anything to them if the number gets leaked and you get the appearance of like $20,000 in un-utilized credit.
The whole system is fucked and it's so insanely obtuse. Like getting a credit check can make your score drop by a point. You can usually get a service through your bank that lets you keep up to date on it for free. There are also like 5 different scoring systems. One actually reflects payments made on past due accounts as long as you pay them with the original creditor and not collections.
The older ones just have a 7 year lock on your score if you get a major derogatory. Sometimes you can get places by calling and yelling at them or just disputing everything and seeing which ones disappear (sometimes if the amounts low enough, they'll just abandon it of you dispute).
Honestly part of it might be because I changed my name... In like 2016 and apparently they have not updated my info even tho I sent it to them. You'd think something called TransUnion would be used to the concepts of adults getting legal name changes :trans-undertale:
Sorry bro you got the wrong number assigned to you at birth. Hope you didn't need to like heat and or cool your house during these alternating hot and cold flashes.
me on the phone with the energy company rn cuz my social security number isn't eligible for an energy account??: 👁👄👁
i wish it were that simple
Looking at credit scores and being like: "move" and Experian says: "maybe next year, your bank account isn't 4 years old."
Paying everything on time for years and getting it to go up 100 points, then forgetting one payment and it drops 150.
Shit I cannot make it move up by paying shit or anything else. It literally went up by 1 last month, the first change to it in 4 years. I have student loans I pay, and in that time I finished paying a car loan then sold the car and didn't buy another, moved, got an apartment for the first time since I used to live on campus, switched banks, and have had a ton of stuff that should significantly impact the score in different phases. But none of that has made one iota of change, then last month, after six months of no major changes, it goes up, but only by one?
Have you checked your report? Sometimes you just need to open more accounts.
A good trick is to open like 20 credit cards and lock the card number and throw them in a drawer. That way no one can actually charge anything to them if the number gets leaked and you get the appearance of like $20,000 in un-utilized credit.
The whole system is fucked and it's so insanely obtuse. Like getting a credit check can make your score drop by a point. You can usually get a service through your bank that lets you keep up to date on it for free. There are also like 5 different scoring systems. One actually reflects payments made on past due accounts as long as you pay them with the original creditor and not collections.
The older ones just have a 7 year lock on your score if you get a major derogatory. Sometimes you can get places by calling and yelling at them or just disputing everything and seeing which ones disappear (sometimes if the amounts low enough, they'll just abandon it of you dispute).
Honestly part of it might be because I changed my name... In like 2016 and apparently they have not updated my info even tho I sent it to them. You'd think something called TransUnion would be used to the concepts of adults getting legal name changes :trans-undertale:
Sorry bro you got the wrong number assigned to you at birth. Hope you didn't need to like heat and or cool your house during these alternating hot and cold flashes.