Credit Score is seriously one of the most idiotic things ever.
1- If you apply for any loan, credit card, anything whatsoever and someone has to check your score, bam it goes down.
2- If you get it checked to often banks wont approve you because its been checked to much and once more, bam it goes down.
3- In order for it to go up, Basically your looking at months of paying everything ontime, Which for me isnt a problem but like many others. Im impatient as hell.
4- Even if you have a good credit score, Its sorta useless because itll go down depending on if you lets say have a couple things in your name
5- If you dont have 3 lines of credit, its basically useless.
I mean my point is, I dont understand if I get it checked to let say open a credit card, Why in the hell of hell does it go down? Please tell me, I want a detailed post on WHY all my hard work and paying ontime and over paying on my house and my car payments does it GO DOWN? Then takes 4 months to get back up? I will give that a Stupid as Fuck tag.
And im not a person with a bad credit score, As of Freecreditrepot (dot) com, I got my check today, im at a 803 796 and 784, But still I have complications with getting a loan, I make a decent living and Never go outside my means.
Ive just ran into this credit thing to much and am so infuriated by it that I could throw a brick through the front window of every bank in chicago.
Is there any other better system out there we could use? like really?