credit scores are a scam of making people stay in debt
2026-07-03 18:28:06
54
GQ :
I pay my CCs in full every month. My score hovers around 815
2026-07-02 16:42:06
65
Yeremy 714 :
No debt should be s tier
2026-07-03 03:00:39
28
user1929036964357 :
I have a Black AMX card and I pay it in full every month. Maybe $50,000 and it doesn’t help my score. Crazy.
2026-07-04 01:05:29
5
Manny :
Even with 850 credit score I didn’t get a lower apr rate for my house loan. So credit score is just another bs
2026-07-03 05:31:39
3
2112nebo2112 :
I pay my cc off daily. I have an 827
2026-07-02 20:43:15
5
JabaTheSlut :
I got an 830 only being an authorized user for 5 years 🤷♂️
2026-07-03 02:04:59
4
Rebecca morrow :
i don't have cards and never will
2026-07-08 08:30:33
0
Mark :
paying off a car and house in the same month kills your score
2026-07-04 15:57:06
2
Mr Rich Para Professional :
790 and no cards...yea i feel that
2026-07-07 03:34:31
2
Readings by Terry🪷 :
I pay my card in full every month and have an 820 score. You do not need to carry a balance and you shouldn’t unless you’re OK with paying exorbitant interest rates.
2026-07-03 23:51:20
6
Rudeknome 69 :
I am at 780 i dont care i pay my cards off at the end of the month
2026-07-03 10:59:45
5
Dano :
False on paying off cards every month. Source (FICO 850)
2026-07-02 22:18:12
7
ger2234 :
paying off card in full is s tier plus no intrest
2026-07-03 23:48:46
8
MiraclesAndMoney :
818 and I can't seem to go any higher. 😳
2026-07-03 01:26:14
5
King Yah :
the balance at the statement closing date is what gets reported to the credit bureaus, not "your spending". so yes pay it down by statement close. (not the same as due date)
2026-07-02 17:24:55
10
user3298277053604 :
839👍
2026-07-06 15:26:05
2
ruhrohryro :
This ranking demonstrates that FICO rewards consumption through debt vs. responsibly living within means as a preference.
2026-07-02 17:34:55
11
Rufus :
850 score. I pay off my balances every month. Mortgage on time. No auto loans.
2026-07-02 23:27:11
5
Victor :
Completely incorrect right out the gate. Perfect pay history with an 800+ score.
2026-07-04 02:56:39
4
Scott McNichols :
yeah mines 835 pay card off every month. only 1 credit card. no other payments
2026-07-03 16:59:49
4
Z_chevy1 :
Team 830 🤷♂️🙌
2026-07-03 02:34:16
4
Colonel Angus 😝 :
I never carry a credit card balance and pay it off every two weeks. 826
2026-07-03 09:13:00
4
Birdie :
My s ore is 835
2026-07-04 18:26:06
4
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