Don't be stupid

Don't be stupid

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  • Yo! My wife and I just got our loan approved for our house! With SUCH a low-interest rate too!
  • Wow, I wish that was me...
  • PSA: Don't Be Stupd
  • "FI-CO is a data analytics company that's focused on credit scoring services. It's on a scale of 300-850, 300 is awful and 850 is excellent!
  • I shouldn't be surprised though, I have a FICO score of 820!
  • What's "Fi-cur"?
  • That's probably it! I remember you defaulting on your loan last week, and I can't recall the last time you paid any of your bills on time. You're actually pretty deep in debt, now that I think about it!
  • ... I have a credit score of 350. Maybe that's why I can't get a car loan, or why I have a high interest on my house.
  • You should decrease the amount you're borrowing to try to help yourself. Decreasing your credit utilization ratio would make banks think you can pay back what you borrow.
  • Well, that's valid. But you could also fix your credit by closing accounts you have open that you don't use, or by going to a debt counselor.
  • Ok but picture this: I really wanted to get 57 pipe cleaners and there's nothing I can do to stop myself.
  • Not necessarily! Yes they keep a record of whenever you were late on a payment, but if you can start making payments on time now, you'll start to show banks you're trustworthy. That'll increase your credit score!
  • The weightiest category for your credit history is payment history, though.
  • Ok well that sucks, so there's no point in trying
  • Thanks for your help, I'm gonna work to get a loan for 13 Ferraris!
  • Cool thanks whatever byeeeee
  • Yeah that's not my point at all...don't be stupid.
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