hows your goyscore?
你哥儿们指数咋样？
你哥儿们指数咋样？
Its a giant meme. Wow you can have a 6.5% mortgage instead of 7%
这玩意儿就是个大笑话。哇，你能拿6.5%的房贷而不是7%啊。
>>62558257
this. It really is fucking gay. Mine is like 780
同意。这真他妈扯淡。我的大概是780。
>>62558248
>goyscore
sorry but we don't have goyscore in our country
抱歉，我们国家没有高犹分数。
t. third worlder (not india or pakistan or bangladesh)
来自第三世界国家的人如是说（不是印度、巴基斯坦或孟加拉国）。
>>62558248
I dont have one. Never gonna go into rebt
我没有分数。这辈子不打算碰债务。
>>62558248
770
All I did was have my dad put me on his credit card at 16, don't even have my own lole. Never taken out a loan in my life
我就是16岁时让我爸把我加到他信用卡上，我自己连张卡都没办哈哈。这辈子从没贷过款。
>>62558248
My is always 760s-780s because I almost never have debt besides my credit card I pay off often
我的分数老在760到780之间晃，因为我除了经常还清的信用卡外几乎没负债。
>Having a goyscore
>有高犹分数
Couldn't be me. I don't bother at all.
那不可能是我。我压根懒得管这事儿。
I've actively crashed my credit score with medical debt. I'm about 300k liquid with another 200k invested.
我主动用医疗债务把我的信用分砸下来了。我现在有约30万流动资金，另外20万投出去了。
>Visit ER for kidney stone
去急诊室看肾结石
>Get treated and healed
接受治疗，痊愈了
>Get Bill for 2k
收到账单2000刀
>Ignore it
无视它
> Ignore it more untill pajeet collectors call
继续无视，直到阿三催收员打电话来
>Offer comically low monthly payments if 6-8 dollars a month
提出低得离谱的月供，每月6-8美元
> Pay for 1-2 months
付个1-2个月
Go back to ignoring pajeet collectors
继续无视阿三催收员
>Repeat cycle
循环往复
It's so freeing saying all you can mange is $12 a month on your 2k ER bill.
对着2000刀的急诊账单说“我一个月就只能挤出12刀”，这种感觉太爽了。
I was at 800 2 months ago and it somehow dropped 49 fucking points because I opened an Amazon credit card to get discounts at Whole Foods. Pretty retarded.
我两个月前还是800分，结果莫名其妙掉了49分，就因为我开了张亚马逊信用卡想在全食超市打折。真是傻逼。
masturbation over credit score is a meme
天天念叨信用分就是个梗
it is well explained everywhere that taking any loans or paying any interest just to get a higher credit score is pointless and retarded
到处都讲得很清楚了，为了刷高信用分去贷款或者付利息纯属脑残行为
the tards like this >>62558629 that aren't in any danger of being approved for a line of credit because they don't earn anything are correct
像这个>>62558629的傻逼，反正收入为零、根本不可能获批信贷额度，他们说得倒没错
a credit card harnessing 2% discount on all purchases is enough to get you white credit rating over the years of responsible use and you don't need to pay a cent in bank fees or interest
一张所有消费返现2%的信用卡，只要好好用个几年就能刷出白人级别的信用评级，一分钱银行手续费或利息都不用多掏
I have no social credit score because I buy everything cash, Im not a good goy
我没信用分，因为全都现金买东西，我不是个好韭菜
>>62558706
Yeah it did that to me too. It’s a hard inquiry and it fucking blows because the credit card won’t build that score back up either since the limit is retardedly low and you have to wait a few months to increase it or it will give you another hard hit. The benefits are pretty good though.
对，我他妈也中招了。这是一次硬查询，特别操蛋，因为这张信用卡也刷不回分数——额度低得离谱，想提额还得等好几个月，而且提额又是一次硬查询。不过福利还挺好的。 ┄ 太疯狂了。我们本来819分，后来家里装了台热泵，安装公司用Synchrony开了张对应金额的信用卡，我的信用分直接掉了50分。
>>62558257
It's nuts. We had 819, then I had a heat pump added to the house, and the install company used Synchrony to open a credit card for the amount. My credit score dropped 50 points because of that.
疯了吧。我们本来有819分，然后我给家里装了热泵，安装公司用Synchrony开了张信用卡来分期这笔钱。就因为这个，我的信用分掉了50分。
Not that I need a high score for anything though. House and car are paid, I'm still saving every month... It's bullshit.
不过我倒也不需要高分数干嘛。房和车都还清了，每个月还在存钱……这玩意就是扯淡。
>>62558248
If you have any kind of "score" assigned to you, lower your tone when speaking to me.
只要你被贴了任何“分数”，你跟我说话就给我客气点。
>>62558758
I had to do background reports when applying for my first mortgage and the same thing happened to me
我第一次申请房贷的时候也被要求做背景调查，同样的事也发生在我身上了。
>>62558248
I pulled a Sam Hyde years back for around $30k so it's hovering around 540. One collection agency sued me, but i represented myself in court and had an ai write up all of my court doc responses during discovery. Ended up winning the case, and that one is removed from my credit report now, but it was only for like $4k. I'm now working on getting the others removed via frivolous nitpicking of and disputes to the reporting agencies. Regardless, i only have one more year before the 7 year reporting period is up, and it will drop off anyway.
几年前我搞了笔 Sam Hyde 那种骚操作，大概 3 万刀，所以信用分卡在 540 左右。有一家讨债公司告了我，但我在法庭上自己应诉，取证阶段全是让 AI 写的法律文书回复。最后我赢了案子，那条记录也从信用报告上删了，不过也就 4 千来刀的事。现在我在靠鸡蛋里挑骨头，各种吹毛求疵地跟征信机构扯皮，想把其他几条也弄掉。反正无所谓，再过一年 7 年报告期就满了，到时候自动消失。
>>62561863
hows that 30k doing?
那三万块现在咋样了？
I consistently dont pay my utility bills on time. I have hundreds of thousands of dollars but I simply refuse to autopay, and only pay when I feel like it. No idea how my goyscore is affected.
我水电费从来不准时交。我手里有几十万刀，但就是死活不开自动扣款，想起来了才付一回。信用分受多大影响我也没数。
>>62558248
my credit score indicates i have diabetes
我的信用分显示我有糖尿病。
>>62558739
>>62558929
weird way of admitting you have no impulse control and would instantly go into credit card debt. Banks encourage you with literal free money to use their card
这说法挺新奇，说白了就是你控制不住自己，一拿信用卡立马刷爆。银行给你白送钱诱惑你用卡呢。
>>62565429
It's like $50k rn lmao I'll let myself out and kms
现在大概5万刀吧，笑死，我自己滚出去自我了断得了。
>>62566089
No I would not. Because one, I have money to pay for whatever I get with a credit card. Two, there's really not a lot of things I want to buy/waste money on because I'm not a materialistic whore.
我不会。第一，我卡里有钱，刷信用卡的账我全付得起。第二，我也没多少东西想买、想烧钱的，我又不是那种物质至上的贱人。
>>62558629
>>62558739
>>62558929
>>62565582
>>62566460
>>62566077
so where do y’all get the money to invest?
那你们都上哪儿弄钱来投资？
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