Greentexts, memes, everything 4chan.
Idk, doesn’t seem like magic to me. Just pay your bills. Grow your existing credit cards. Spend responsibly. Keep below 30% utilization of credit limit of each card and overall.
Start early (when you are 18) and by the time you actually need to use it (car or mortgage products). Then you will be gucci.
It’s a shame basic financial literacy is not taught in schools.
Every day I thank God I stopped caring about credit scores and started doing stuff with cash or debit.
I was always taught not to get credit cards or loans. My mom, a teacher, always saves up her money and then pays for her cars and houses in full. Not once did I need any kind of credit score or anything. I have cars, a home, cell phones... internet, etc... and no credit for scammers to ruin lol!
It really is crazy to look at someone's financial history to figure out how much money to lend them and at what rate..and whether they have any income to pay it back, fucking fascists!!!