when they say that your score could go down by submitting derogatory remarks? Any idea?
All I can think of is... "keep your damn mouth shut and don't complain"... but that can't really be it, can it?
Mine varies by about 10-12 points on a monthly basis... even though I do NOTHING different... literally, NOTHING... same amount on my credit cards by almost the exact same amounts monthly, even Christmas time. Every month paid off in full, EVERY month... I carry nothing over a month and haven't for geez... 30 years now?
No new credit... no new loans, I don't even have any loans. From what I can see NOTHING is different for any given month.. or if so it's so it seems to me irrelevant... pennies.
So I'm wondering...for those worse off than me.. what in the HELL are they experiencing, credit score-wise? It's got to be off the charts. What? Like 200 point swings even WITH all on time payments. Hell, I can't even make a late payment, it's all automatic. Yet my score changes... what about those less fortunate and may be late ONE MONTH on a payment?
Ok, what I'm getting at is... I think it's all a scam... really, I do. Meant to make it the worst for YOU... including me who doesn't worry about it so I don't matter... but for those where it does matter? Something is amiss. Hell, I'll bet by my posting this my credit score drops 20 points, wanna bet? - JamesJM
Edited 1 time(s). Last edit at 12/01/2020 10:24PM by JamesJM.
