@CanisPundit @Avidspark
Well. My bank increased my credit limit on my credit card and they dropped mine 25 points just after the New Year. That’s the only thing that changed.
It’s all such a scam.

@InvaderGzim @CanisPundit @Avidspark I monitor my credit report to catch shit like that. If mine dropped 25 points I would either know why or I'd be finding out in a hurry.

An increased credit limit makes no sense.

@SECRET_ASIAN_MAN @InvaderGzim @CanisPundit @Avidspark Mine has changed that much. Trust me you might not ever "find out in a hurry". Clearly their stated metrics are not their only criteria and since they don't count real-estate assets it's merely a popularity contest.

@MidnightRider @SECRET_ASIAN_MAN @InvaderGzim @CanisPundit I've been using a Karma(?) based credit checker (lol) and they're pretty good about proferring a reasonable explanation for score changes

@Avidspark @SECRET_ASIAN_MAN @InvaderGzim @CanisPundit Explain this: Complain to Citibank, make my position known. Score rebounds after Citibank says they have no dog in the fight. That's happened twice now. Since the number is sufficiently high, I abandoned the war, I need less stress not more.

@MidnightRider @SECRET_ASIAN_MAN @InvaderGzim @CanisPundit That I cannot do, explanations of the algorithm used for credit scoring is much more complex than the calculus I took in college 🤣

@Avidspark @SECRET_ASIAN_MAN @InvaderGzim @CanisPundit IMO debt load, payment history and assets should be the only metric. If you make 2 million a year and spend 3 you're still in big trouble. These companies hate zero balance each month, they want us to spend more than we should, it's insidious and silly to pursue a number of approval.

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@MidnightRider @Avidspark @SECRET_ASIAN_MAN @InvaderGzim for me it appears it’s due to duration of credit, two paid mortgages, no BK’s, no loans currently, no late payments, credit cards usually paid off each month. maybe I should floss more often?

@CanisPundit @Avidspark @SECRET_ASIAN_MAN @InvaderGzim I just want my rates to be the best for insurances and the like. If I took money out I'd go to the "banko de buddy" and slide him the interest.

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