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Jan 29, 2005
11,522
88,970
113
43
PHX
Credit scores are retarded, been fixing my credit up lately and two of the agencies are showing a 54 point difference.

Equifax got me at 727, Transunion got me at 673.

Been reading on credit forums that I googled that Transunion is always lacking behind the other in updating scores and taking old bad shit off.

Transunion needs to get their shit together, fuck off idiot Transunion, fuck you.
 

BUTCHER 206

FREE BUTCHER206
Aug 22, 2003
12,268
108,925
113
Seattle, WA
My FICO is 738 and my CreditWise is 743. I don't know what anything else is. My credit went up a ton when I opened that Lending Club shit for a crown lengthening surgery and new crown to fix this stupid ass retarded cursed tooth I've had to recrown 3 times now. It added like 15k to my abysmally low total credit line lol. I wonder if its going to go way down once that's paid off and it disappears. And it just went up a bunch for reaching one year of history and no late payments.
 

BUTCHER 206

FREE BUTCHER206
Aug 22, 2003
12,268
108,925
113
Seattle, WA
Fucking math quiz and computer science exam tomorrow. I was looking at the practice exam like wtf is this bullshit. I've done all the notes and book exercises and practice quizzes at near 100% accuracy then get like 60/100 on the practice exam which largely covers pointlessly tricky stuff barely even touched on in class and would never actually be used
 

BUTCHER 206

FREE BUTCHER206
Aug 22, 2003
12,268
108,925
113
Seattle, WA
Jesus 😵😵😵😵😵

I have pretty much 100% in programming and that exam just raped my grade hard in the ass I'm pretty sure. Like 40% of the total points was a 6 part question that you basically had to write the logic tree and flow chart for separately which was an entire sheet, then basically write a 100 line program by hand that had fucking 5 functions in it. And of course all the shit I know I would have aced was nonexistent.

And the teacher was extra cranky today.

Whatever though.
 
Props: InfamousICON

BUTCHER 206

FREE BUTCHER206
Aug 22, 2003
12,268
108,925
113
Seattle, WA
Was a 743 then closed a cc acct I had for 27 years, which cut my credit card credit down 20% so they dropped me to a 693
yikes lol

the same shits probably going to happen to me as soon as that balance gets paid out.

seems kind of stupid though. "oh you need a couple grand? we'll open this line of credit for like $15k for you and spike your credit up then when you pay it off we'll close it out and it'll drop back down" lol.

or does it just stay there available to me? that wouldn't make sense either.

fucking stupid ass credit. i only started building it up mainly to be able to get good student loan rates and possibly buy a house in the future, and it seems like most credit card company student loans are predatory that say they'll offer lower than the standard 4-5% interest from those subsidized and stafford student loans, but i was reading even if you have a high excellent credit rating theyll still try and get you for like 12% APR saying you dont qualify. i need to start applying for scholarships and playing the lotto / megamillions / powerball :ROFLMAO: