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      05-02-2019, 10:04 AM   #78
NEfan508
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Drives: 2019 M2C
Join Date: Jan 2019
Location: Massachusetts

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Quote:
Originally Posted by JasonCSU View Post
Quote:
Originally Posted by DETRoadster View Post
The aggravating thing is that my wife is 10x the credit risk I am. She's accidentally bounced checks, forgotten to pay bills, maxed out a credit card, has 25x the debt I have (student loan) and makes 1/2 what I make. Yet she has the higher credit score and teases me all the time about it. I should sue Experian for the emotional distress this has caused me.

Oh man, that is infuriating. I wonder what combination of her credit history and usage is generating a better score.
Long term loan (almost paid off) on paper it's electric

Someone with NO debt All paid off gets a lower score

As a teen, I opened a $500 loan for 60 months, with a $10'ish payment, I prepaid the loan 90% so on paper It showed a 60 month loan (almost paid off) I never wanted it closed/paid off, keeping it open but almost paid back shoots up the score

Paid some juice on the loan just to pump my score, show some history, worth it IMO
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