My credit score has tanked, BIG time!! for no reason, no changes, Strange.....Actually I paid off my 5th wheel, so.......I think it has to do with the only debt I have is credit card.....

 

I haven't seen any of 1099s or 1040 either

 

Probably exceeded usage percentage...

 

No, was told by American Express, the Covid has lowered millions of scores. Banks are afraid people will have a tougher time repaying debt in the near future....

 

I was readin' construction loans are all but impossible to get right now.

 

I didn't 'play' them. But did run some up when I was out of work and then didn't get back in at the income I had previous. Only have a couple small ones active now. But have a couple old ones in collection. On the bright side, having a low score they won't give you much credit to run up.

 

Getting a high score is tough, but lowering it is easy!!!!

 

I did just plunk down over 3 grand on Capital One for an overdrive......so there is that......

 

For sure. I was always well into 700s. Couple accounts went over 60 days and very quickly dropped to mid 400s Has slowly climbed back most of it with all 'current' bills paid on time. Hoping to break 700 again soon as some of these old accounts drop off...

 

When you do not need money, they want to throw it at you. If you NEED money, good luck getting it....

 

I’m sure I was up there. But when I was at my best I didn’t need money(as Tim just said), so wasn’t watching it...

 

Yeah I’m good with that lol

 

We paid off my wife’s car last month... balances went down in everything else.
But our score dropped 15 points... like wtf

 

Mine fell out of the 8's into the upper 7's after I paid off the car. Now all I have is home mortgage. They suggest I get a credit card to improve my score..

 

Yep. Mine didn’t climb back much till I got a couple cards active. They want you to have it, but low percentage of usage...

 

So, thats how ignore works! I can’t see the upside down flag now

 

Is that one 40# bag for 3 days?

 

Don’t need no stinkin credit. We should have the house paid off in 3 years. Amazing how many people do not carry cash anymore. I usually have no less than a hundred in my wallet. Not going to mention my safe. . I really like my new safe. My wife and I were in about 100k credit card debt at one time. Paid it all back. That was a great feeling.

 

We’ve been told similar by more than one bank

 

The areas I’m looking have ranged from 450 an acre to 2,000 per. Just depends on mineral rights, location and ultimately utilities is a big one