it is, but someday theyll f*** you for not having one too. so its a rock and a hard place kinda thing, u gotta play their game

No its better credit rates

jesus christ

Stop it

Go watch the movie I recommended and skip the flashing lights parts

for mortgage?

@aeiou if u get a credit card you can just use it to buy anything you ever wanted and when the bills come just don't pay them and run off to a different country

Oh wow

For DN

One cannot even joke nowadays!!!

libs ruined everything

Maybe, but the longer your credit history, the better. If you ever decide you need credit, it's much better to have years of credit history than to try to cold start your credit life when you actually need it.

this is what ppl think i do

still dont get the point of these things

No, but for real, it was the technocrats.

What do you need it for

like if it actually is good4 mortgage then maybe

apartment
house
car
sometimes employers run ur credit
any loan

my floors never been this clean wow

Higher score=good

actually ya

na im sandbagging the bureaus

I think they say 800+ is the “perfect range”

You’re prob right in that 780 vs 800 probably only makes the difference of a few tenths of a percent tho

which? FICO 8 or 9?