What REALLY grinds your gears?

Credit score fluctuations. In the past year mine has gone from exceptional to very good, I haven't opened any new accounts or had any credit inquiries. My credit card balances are paid off each month with no balance carry over. No idea what's caused my score to drop 20+ points.

yeah it is odd but unless you are trying to purchase a home i wouldn't worry to much; 20 points isn't that big a deal.

you may want examine your total credit limit; do you have a bunch cards just sitting there with high credit limits (meaning its a card with $10K of credit but you have $0 charged to it)? But also don't close a CC that you have had for a long time because they like to see a long history of credit, its so a double edge sword.

yeah it is odd but unless you are trying to purchase a home i wouldn't worry to much; 20 points isn't that big a deal.

you may want examine your total credit limit; do you have a bunch cards just sitting there with high credit limits (meaning its a card with $10K of credit but you have $0 charged to it)? But also don't close a CC that you have had for a long time because they like to see a long history of credit, its so a double edge sword.

Only credit cards I have are ones I use. I haven’t closed any accounts.

The only thing I can think of is the student loan pause but that’s not supposed to hurt you.

I’ve done a free credit report check and everything looks fine, it’s really odd.

Only credit cards I have are ones I use. I haven’t closed any accounts.

The only thing I can think of is the student loan pause but that’s not supposed to hurt you.

I’ve done a free credit report check and everything looks fine, it’s really odd.

Same here. Credit cards (3) all paid in full every month but this month I did put a nice car repair on one which was paid in full at the end of the month but the rating took a hit of about 5 points.

When you can't make an appointment on time, and its 100% out of your control. There are 2 ways from my house to my doctor. Both directions had huge accidents on them, so I had to call and reschedule and turn back around and go home. People drive like such shit in South Carolina, that's why every commercial break has at least one car accident injury lawyer commercial. Tired of seeing those fuckers, but they must make a killing here.

SC has most uninsured motorists in US. One of the reasons insurance is disproportionately higher

So totally random. But do you guys remember the dude that was on the board that kept talking about the show he had that was coming on the food network and talking about his bbq and he had one leg?

It doesn’t grind my gears but I just remembered him randomly while I’m drinking and I needed to put this thought somewhere lol


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So totally random. But do you guys remember the dude that was on the board that kept talking about the show he had that was coming on the food network and talking about his bbq and he had one leg?

It doesn’t grind my gears but I just remembered him randomly while I’m drinking and I needed to put this thought somewhere lol


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Sammy Baugh Fan

Who can forget

Sammy Baugh Fan

Who can forget

i thought it was the pirate guy with one leg,

i thought it was the pirate guy with one leg,

yeah pit pirate BBQ or something, SBF was the guy (http://www.thewarpath.net/member.php?do=getinfo&u=223)

yeah pit pirate BBQ or something, SBF was the guy (http://www.thewarpath.net/member.php?do=getinfo&u=223)

Oh ok , he was awful

Buster/ Monkey Dad was a close 2nd