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Wellzy 🎩🏰🍖✞
@wellzy
I’ve been working hard on improving my credit score the past few years. I started by paying off all my debt. I paid both of our vehicles off early and have been using that extra $$ to pay down my mortgage. My house should be paid off next year. I used to think having great credit didnt matter much but the offers i get now are considerably better (lower interest rates, etc)
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0xTrapchat
@pwk
Isn’t part of it having some debt and paying reliably? If you have no debt I think it counts against you ..?
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Wellzy 🎩🏰🍖✞
@wellzy
Yes, paying reliably is the big key. I use my credit cards to pay bills and pay most of them off each month. The funny thing is, if I pay too much off and don’t leave a certain % my score usually goes down about lot, about 20 points. It’s stupid really. I would rather just keep them at 0 balance.
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0xTrapchat
@pwk
I’m a zero balance guy myself never tried carrying
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