Author Topic: Retarded numbskull Pam has a question about her credit score  (Read 2117 times)

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Offline BannedFromDU

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Retarded numbskull Pam has a question about her credit score
« on: January 03, 2016, 11:03:49 PM »
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demtenjeep (22,690 posts)

why does a credit score do DOWN after one pays off a house and credit cards?

we expected quite a jump after we paid off the house. Instead we lost 30 points?

why does that happen?

Golly, Pam, dontcha think it might have something to do with your brand-new mortgage, mortgage inquiries, and heaven knows what other new credits you have that you aren't disclosing?


Of course, the DU geniuses weigh in with their brand of "knowledge":

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tazkcmo (2,648 posts)
1. Because it's a "game" and it's rigged. n/t

False. Credit scores indicate risk. If you don't like your score, it's because you're a bad credit risk. And an asshole.

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Star Member onehandle (46,860 posts)
3. You have to keep credit 'active.'

Find a good credit card that gives you cash back, doesn't cost a fee or cost you interest if you pay it off monthly.

Use it for everything you can.

I make money off of our credit cards.

     And sucking cock.  Mostly cock.

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demtenjeep (22,690 posts)
5. that we do

we have one with a 500 limit and we do our grocery shopping and other various things on it and then pay it off monthly.

Highly informative: you know how bad your credit has to be in REALITY to have only a $500 limit? Pretty bad. Pam is lying yet again.

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Star Member Mnemosyne (21,168 posts)
8. 729 down to zero, 6 months after paying bills off. They punish you if you are not feeding

the beast each month. Bastards.

     Not even POSSIBLE. Another baldface lying DUmbass for the pile.


And finally, a broad threat of violence:

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KamaAina (69,874 posts)
44. Because Unfair Isaac.

FICO = "Fair Isaac Credit Organization", the obscure company that issues credit scores. Supposedly they recently moved from Minneapolis to San Jose. Boy, would I like to find out where!


Why, faggot? What do you intend to do?
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Offline BattleHymn

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #1 on: January 04, 2016, 12:04:01 AM »
A DUmmie's FICO score is one way they directly reap what they sow.  Naturally, this will make them upset.

Offline BattleHymn

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #2 on: January 04, 2016, 12:07:17 AM »
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Star Member Mnemosyne (21,168 posts)
8. 729 down to zero, 6 months after paying bills off. They punish you if you are not feeding

the beast each month. Bastards.

Bullshit.  I have zero debt, and my score is over 800.  How do you explain that, DUmbass?

Offline RobJohnson

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #3 on: January 04, 2016, 01:42:20 AM »
Bankruptcy and a short sale on your house is not paying off your debts.

Offline SVPete

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #4 on: January 04, 2016, 07:47:17 AM »
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tazkcmo (2,648 posts)
1. Because it's a "game" and it's rigged. n/t

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Star Member Mnemosyne (21,168 posts)
8. 729 down to zero, 6 months after paying bills off. They punish you if you are not feeding

the beast each month. Bastards.

Soooooo ...... the companies that make money by loaning people money rig "the system" so that good potential customers cannot borrow money? Ri--ight!

As a couple others have suggested, these people have omitted facts that answer their question.
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Offline FlaGator

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #5 on: January 04, 2016, 10:11:13 AM »
I would imagine that she paid off the credit cards but didn't close the accounts. If she has a lot of zero or low balance credit cards with  high credit limits then she has the potential to get really in debt really fast. This is taken in to consideration when evaluating someones credit worthiness.
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Offline USA4ME

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #6 on: January 04, 2016, 10:23:27 AM »
I can understand asking the question, but why would Pam go to Skin's island hoping to get an answer worth consideration?

Oh yeah.... that's right. She's  :mental:

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Offline Carl

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #7 on: January 04, 2016, 10:26:13 AM »
I can understand asking the question, but why would Pam go to Skin's island hoping to get an answer worth consideration?

Oh yeah.... that's right. She's  :mental:

.

She just wanted to brag about paying off a mortgage and having a credit score around 400 points higher then the average DUmbass has.

Offline BattleHymn

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #8 on: January 04, 2016, 10:27:47 AM »
She just wanted to brag about paying off a mortgage and having a credit score around 400 points higher then the average DUmbass has.

So her score was an end 500 then?

Offline BannedFromDU

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #9 on: January 04, 2016, 12:22:02 PM »
So her score was an end 500 then?

     I do not understand the DUmmies' fascination with credit scores. For a group of people so adamant about their senses of self-worth, and for a group so righteous in its self-identity as the vanguard of American society, they certain seem invested in what Citigroup thinks of them.

     This is odd. From many, many years of reading DU, they claim that:

(a) their credit scores are over 800, or 
(b) they pay cash for everything, and have no interest in credit scores, or
(c) they have one credit card that they pay down each month, so scores are irrelevant.

In other words, their claims regarding their credit histories mirror their claims about their diets: pure and pristine. Yet a simple glance at the fat slobs indicates something quite different, viz., their credit histories must be as spotty as their cirrhotic livers.


     In any event, their adamance concerning credit scores betrays the fact that they really, really, REALLY care what people think about them. They are desperate for an agency like FICO to generate scores which proclaim to the world that yes, KamaAina is the most creditworthy person on Earth, that if he in his colossal fagginess nevertheless decides to borrow money from you, that he will certainly and absolutelky repay the money at the agreed terms regardless of circumstance.

     Which is weird, given how often they advise each other to not pay their bills because the banks can afford it.

     I'm stumped, actually. Lurkers: why do you care what banks think of you, when you claim you don't care what people think of you, and when you pay cash for everything?
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Offline USA4ME

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #10 on: January 04, 2016, 12:25:36 PM »
^^^^^^^^

H5^  :cheersmate:

Yeah. That.

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Offline Chris_

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Re: Retarded numbskull Pam has a question about her credit score
« Reply #11 on: January 04, 2016, 12:27:05 PM »
Wasn't it DUmmies and other liberals that coined the term "banksters", as if paying back a loan you agreed to was the equivalent of a mob shakedown?
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