zizzylbug
Region: US
Saturday 09 May 2026 14:30:13 GMT
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riles :
i absolutely hate it because first of all credit as a whole is ridiculous but second of all why would credit go down when you pay off debts when you need high credit scores to get an apartment, house, or car
2026-06-04 23:42:53
3775
Melinda | loses it :
I just paid off 17k in credit card debt/loan and honestly the weight of not owning that anymore beats out what my score might be.
2026-06-04 01:59:52
1998
Elijah :
They naturally move up and down, part of your score is having a balance to pay. It’ll go back up quickly if you continue to use it
2026-06-03 22:44:09
1516
Selena :
It bounces back after a month. My score dropped 54 points after I paid of my student loans.
2026-05-28 16:25:58
663
So :
Not me reading the comments as of I understand what any of this means, are low or high credit points good? Idk I'm not american
2026-06-17 21:44:52
27
SoundNinja_official :
congrats! here's a lower score...
2026-05-09 14:49:09
166
ElijahsEpicLife :
problem is you're paying it off too fast- a little tilted that the ones loaning the money give you a score about how good you are to loan money to 😆
2026-05-14 11:42:17
102
Suspicious Qtips :
As my accountant teacher once said, “Your credit score is just a number meant to show how good you are at staying in debt.”
2026-07-07 07:12:00
9
Any :
I don’t like anything about credit cards! If I can’t pay it in cash I don’t fucking want it
2026-06-17 05:27:01
0
Liz :
It was probably one of your older loans. How the credit score works is on a system of how timely you are in paying, how old your loan accounts are and the amounts and such. When you pay off an older account it drops the score because you no longer have that length of time helping the score. It’s a huge pain that it doesn’t account for loans paid off or bills paid and works against most people which is shityy
2026-06-04 12:53:06
68
Quentin Givens :
The credit score is less about total balance and more about continuous payments. It's a subscription service to not be treated like a felon when you apply for an apartment or a loan
2026-06-06 04:32:42
55
posiedon1043 :
I literally just buy lunch every month once or twice with the card and then at the end of the month i pay the minimum. Is this a good plan guys
2026-07-02 13:48:24
4
Conor 🍉 :
Mine dropped by 60 points after I paid off my Noah Kahan tickets that I bought with my credit card 😭
2026-06-16 20:07:29
3
Nathanael McNaughton :
unless you're planning on taking out another loan right away It doesn't really matter it'll bounce back up eventually I fluctuate between 800 and 700 pretty regularly
2026-06-04 12:20:37
66
cruiserjames001 :
my score goes up every time I pay loans tho and down when take out new so what's different?
2026-06-27 23:09:24
5
samir :
well paying off a 20k loan is not necessarily the responsible thing it really mostly depends on the interest rate. if the interest rate is like higher than 8% its responsible if its lower than 4% paying it off is not really advised and its better to just invest
2026-06-17 06:13:12
2
mooo :
where did you get your loan from?
2026-06-08 22:00:21
2
Lion🦁Heart❤️Counseling💬 :
im gonna get mine down to 500 each and then buy a car before paying it off fully 😅
2026-06-04 18:39:39
5
Austin ♠️🩶🕊️ ♎️Thunder :
Rookie mistake. -20 social credit
2026-06-29 14:17:04
1
Frontier :
Try keep your credit card usage around 30% that will max out credit scores
2026-06-29 17:55:31
0
Leyna ❤️ :
i don't even care at this point my credit score is between fico and God not my business
2026-06-04 14:46:26
3
alysonbree_photography :
I paid off my 7k credit card just to have my credit stay the same
2026-06-05 19:21:21
1
Eileen :
I'm 50 and have never checked my credit score.
2026-06-17 23:52:40
0
setinrjt8h2 :
I'm too european for this.
2026-06-17 04:18:40
2
thedevilstouch :
They just want to play games with you. If you're too responsible then they can't make too much money off of you.
2026-06-04 19:04:11
3
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