Do you think one of them is using gear pt. 2

Fucking credit scores man.
The invisible number you're judged on forevah!

The rules for raising or lowering it are counterintuitive and often bullshit.
Pay off a loan early? Ooooh, yea that's gonna hurt your score.

Crooks.
 
Despite all of the times I said I would never refi again, I think I am. Gov program, no appraisal, no income verification, none of that. Drop a full point and go from a 30 year (about 25 years remaining), into a 20 year with about the same monthly payment.
 
i am officially addicted to coffee.. i cant seem to function without my black coffee from starbucks..

I got a hookup at my local Starbucks. Free coffee when I go there and a huge discount on the whole beans or bagged grinds when I want :D. What's your blend of choice? I like a few but think the breakfast blend may be my favorite. Put a little hazelnut creamer in there and voila!
 
Fucking credit scores man.
The invisible number you're judged on forevah!

The rules for raising or lowering it are counterintuitive and often bullshit.
Pay off a loan early? Ooooh, yea that's gonna hurt your score.

Crooks.

Lol paying a loan off early won't hurt your score... but it probably won't help it right away either. It's good to have some low balance trade lines open, and some shit paid off that's at least 30 days old. Lates are what really kill your score, and delinquent accounts.
 
Fucking credit scores man.
The invisible number you're judged on forevah!

The rules for raising or lowering it are counterintuitive and often bullshit.
Pay off a loan early? Ooooh, yea that's gonna hurt your score.

Crooks.

The great American dream yea? Lol. I agree, credit score is a "rigged" game!
 
Despite all of the times I said I would never refi again, I think I am. Gov program, no appraisal, no income verification, none of that. Drop a full point and go from a 30 year (about 25 years remaining), into a 20 year with about the same monthly payment.

Dat dere HARP DU Refi Plus. Good program. We do a lot of those.
 
I got a hookup at my local Starbucks. Free coffee when I go there and a huge discount on the whole beans or bagged grinds when I want :D. What's your blend of choice? I like a few but think the breakfast blend may be my favorite. Put a little hazelnut creamer in there and voila!

Creamer is for pussies. It's like drinking wine coolers compared to an IPA.
 
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