u/mt_xing

Student loans work on different rules than credit cards. I'm not sure if they stay, though TransUnion doesn't seem to make a distinction: https://www.transunion.com/blog/credit-advice/how-long-do-closed-accounts-stay-on-credit-report#:~:text=An%20account%20that%20was%20in,for%20up%20to%20seven%20years.

It's still there on my phone

Hilarious the number of people in this thread confidently asserting information many years out of date.

A sobering look at just how much we actually know about this hobby we pretend to be experts in.

That is deadass what I heard someone screaming about in the parking lot after police gave us the all clear to leave.

If you're okay with committing fraud, yes.

They're building a heatmap based on responses. So if a square is iffy, the algorithm will know that the square is iffy and you can choose either way.

Y'all got the MTR. What I wouldn't give to have a system a tenth as efficient in the US.

Do you have a link to the longer video? I saw this clip a few days ago and was curious about what ended up happening.

This is bad advice. Credit utilization has no memory in all popular credit scoring models. Your utilization two months ago has 0 impact on your score this month. Unless you're actively applying for credit, you should not care about your utilization, as it makes zero long term impact on building your credit. The only thing that really matters for building credit is to pay your debts on time, consistently, every time.

The check mark just means you're not lying about who you are. It doesn't mean your opinion is worth jack shit.

I hate that this subreddit allows "media summaries" instead of requiring the original study be the post.