Because I have bad spending habits

Once you have a mortgage and a vehicle what good is good credit? Its dangerous in the wrong hands.

😂

But I would never do that

I will never mortgage anything.

There are too many things like this in the world lol

Only like 3.5k$ in the hole right now

That is how you loose shit.

If you miss one payment,t hey can take it.

good credit is good in case you need to replace something expensive and don't want to take out loans with exceptional interest rates

so it's good to maintain it

@Joe_Limon

True

My credit was 641 last I checked

If you take the time to care/maintain a good credit score you may as well have a proper savings account.

you can get good credit through small loans

Did you know Alex Jones accidently exposed his porn habits. He watches transgender porn. XD

I think you misunderstood what he meant expensive

I built mine up using small, repetitive loans over time along with other debts being repaid

I never used the loan money

just stuck it in an account and then repaid it at the end of the term

https://www.independent.co.uk/news/world/americas/alex-jones-trans-porn-phone-infowars-marissa-minx-a8510801.html

https://www.thewrap.com/alex-jones-denies-watching-trans-porn-everybody-porn-pop-phones-video/

If you care. An easy way to build it is to pay all utility bills/etc with a credit card and then pay it off before it collects interest at the cutoff date.

XD

I found that funny....

The irony isn't lost.

it all depends on what would cost more

I mean one month of interest is like 10$ at most

the interest on my loans only cost me 10 bucks at the end of the year

https://www.youtube.com/watch?v=9JRLCBb7qK8

So you dont even gotta pay it all off in that month

Carrying a balance helps your score too

So it is worth the slight extra in interest

cards are more dangerous, though, because you get tempted to use them more

To carry a small balance

Tell me about it

I got 4

Kermit broke up with Piggy for Tickle Me Elmo.

>.>

with the loan money stuffed in an account that you can't access, it keeps you safe from overspending