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mute noct/urnal :marseywoozy: :marseysteer: :marseysleep: :marseydead:  2mo ago (text post) 105 thread views #260679

:marseyhmmm: how do i creditmaxx :capymerchant:

i want to buy a house in about a year, so i want to have a good credit score to make the lenders like me :marseyxi: . currently i have a score of 769 from one credit card through my bank with a limit of 1k USD, which i pay in full every month. what is the best way to increase my score over the course of a year? it seems like you're meant to have a bunch of different cards that you use a little bit from and then pay in full every month, but applying for a bunch of cards seems as though it'd lower my score. will one year of good payment history on new cards offset the loss?

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Not gonna find much of a rate difference between 769 and 830. As long as you are not below 750 you are already fine.

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i plan to pay down the loan very aggressively during the year after i buy it because moving to my preferred location will involve a pay cut, so interest rate doesn't matter as much to me. are there any other incentives lenders will offer to creditchads? other benefits for good credit beyond lower rates on loans?

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>any other benefits?

Nah. Though getting credit line increases and having a card you can put a 45k payment on is potentially hilarious if you discover you have a terminal illness and wanna go out with a bang.

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Though getting credit line increases and having a card you can put a 45k payment on is potentially hilarious if you discover you have a terminal illness and wanna go out with a bang.

I think the same thing when my CC companies keep increasing my credit lines. I've got something like $150k in available credit that I could definitely spend if I was gonna die in a few months lmao.

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