Vitty ran crying picks

[BrickJames]

Vittered, the watch I'm wearing right now is worth more than your car, the house I'm sitting in is worth more than your whole life.

You scumbag loser

[BeatTheJerk]

A loser that spends big money on rims!! Bwaaaaahhhh!! You have a 500 credit score.

Vitty, BrickJames has a big bag & is not a bullshitter. I believe everything he says he owns. Trust me I’m not naive when I say that.

[vitterd]

Actually it's 837 and I don't even need credit because I own everything I have and pay cash for everything.

Keep dreaming big guy

If you have no active credit or revolving credit…. Your score would not be that high. Try this shit with someone dumb. I’m way too smart.

[BeatTheJerk]

When I see jerky this winter I will show him my credit score I will pull it up on my cell phones in front of him and have him report back.

Fukkin clown

That’s fine, but I’m not gonna show you mine my score is ghetto af

[vitterd]

That’s fine, but I’m not gonna show you mine my score is ghetto af

You don’t have a high score if you own everything. Your score is based on payment history, revolving credit and other factors. If you just buy shit…..your credit score will not be great.

I know this because that’s what I used to do years ago. Just buy everything. Then smart financial people told me to get into debt and make timely payments. Pay things off in a period of time. That’s what gives you a high credit score.

[BrickJames]

If you have no active credit or revolving credit…. Your score would not be that high. Try this shit with someone dumb. I’m way too smart.

You don't understand how credit works, listen big guy, I have used credit in the past, I have a shit ton of available credit, I have ************ with no spending limit. I own properties that are completely paid off.

Once you get a good score it doesn't go down because you're not using your credit.

You fukking clown

[BrickJames]

You don’t have a high score if you own everything. Your score is based on payment history, revolving credit and other factors. If you just buy shit…..your credit score will not be great.

I know this because that’s what I used to do years ago. Just buy everything. Then smart financial people told me to get into debt and make timely payments. Pay things off in a period of time. That’s what gives you a high credit score.

Well my credit score is almost perfect and I don't owe anyone a penny.

It's actually more based on available credit and payment history.

You are trying to say that you need to owe someone something to have a good score. That's not the case.

[BrickJames]

The main factors in a credit score are payment history, available credit, credit usage and inquiries.

And history of credit.


Once you achieve a really good score just because you pay everything off doesn't mean it's going to go down it will stay the same or go up.

You fukking clown

[BeatTheJerk]

The main factors in a credit score are payment history, available credit, credit usage and inquiries.

And history of credit.


Once you achieve a really good score just because you pay everything off doesn't mean it's going to go down it will stay the same or go up.

You fukking clown

I agree with this.

[vitterd]

You don't understand how credit works, listen big guy, I have used credit in the past, I have a shit ton of available credit, I have ************ with no spending limit. I own properties that are completely paid off.

Once you get a good score it doesn't go down because you're not using your credit.

You fukking clown

I know exactly how credit works. I know how and why it moves up and down. Available credit is a factor and I know you just googled that but if you have no ************ and you’re not paying off cars, mortgage or nothing, you’ll have a poor score. I know millionaires with poor scores.

If you go in and buy a car in cash, it doesn’t do anything to help you score.

[BrickJames]

I know exactly how credit works. I know how and why it moves up and down. Available credit is a factor and I know you just googled that but if you have no ************ and you’re not paying off cars, mortgage or nothing, you’ll have a poor score. I know millionaires with poor scores.

If you go in and buy a car in cash, it doesn’t do anything to help you score.

Dude shut up seriously jerky has my phone number, jerky text me right now and I will send you a penetrating screenshot of my credit score. And I'll send you some pictures of this sick ass Rolex I'm wearing that I just bought.

[BrickJames]

I would send you some pictures of this hoe I was just fukking but she just left she has to get to work she's a nurse am I lying about that too?

[BrickJames]

Do you need screenshots of my text messages from last night to believe me? I can send those over to

[vitterd]

Dude shut up seriously jerky has my phone number, jerky text me right now and I will send you a penetrating screenshot of my credit score. And I'll send you some pictures of this sick ass Rolex I'm wearing that I just bought.

Yeah yeah yeah. I could send a bunch of shit as well. You clearly didn’t understand how credit scores worked. Now you do. Happy to help explain.

I deal with FA’s that have been doing this shit for years. I think their advice is better than some sbr dude who wastes 1200.00 on car rims.

[Demonata]

The terd is getting owned!

[vitterd]

The terd is getting owned!

Lmao. Here come the clown in a one bedroom apartment with no available credit and no job.

[BrickJames]

Vittered trust me pal. You're in way over your head.

I don't give a shit what you used to do for a living. You don't have any idea about credit you don't know how it works.

You think you have an idea but you don't. You honestly think someone has to owe money to have a good credit score?

[BrickJames]

Now I'm sending my buddy these courtside seats for tomorrow night, am I lying about that too?

[BrickJames]

My life is literally so outlandish for you because you're such a f\*g.

[BeatTheJerk]

Lmao. Here come the clown in a one bedroom apartment with no available credit and no job.

Vitty see you can’t make fun of me lol, because I already make fun myself for the lack of success & shortcomings in my life . I’m like the complete opposite of you. You put yourself on a pedestal each & everyday on this forum for reasons you only know. You are a solid sports handicapper though that I can not deny

[vitterd]

Vittered trust me pal. You're in way over your head.

I don't give a shit what you used to do for a living. You don't have any idea about credit you don't know how it works.

You think you have an idea but you don't. You honestly think someone has to owe money to have a good credit score?

I know way more than you.

No, I didn’t say that but revolving credit is a big factor. If you’re not paying anything off, it gives you no payment history. Which makes your score low. You grow your score by paying things off. Long credit history with on time payment history is his you get high scores. Not just buying shit.

I know this for a fact. I would always buy my shit outright and the FA’s told me to stop….pay half and finance. That’s how scores increase.

[BrickJames]

So Vitterd riddle me this, Does Elon Musk have a bad credit score because he doesn't owe anyone any money?

[vitterd]

Vitty see you can’t make fun of me lol, because I already make fun myself for the lack of success & shortcomings in my life . I’m like the complete opposite of you. You put yourself on a pedestal each & everyday on this forum for reasons you only know. You are a solid sports handicapper though that I can not deny

I was replying to Demonta

[vitterd]

Now I'm sending my buddy these courtside seats for tomorrow night, am I lying about that too?

I’ve had season tickets to all sports teams since 2008. Means nothing to me.

[BeatTheJerk]

Bricker I pm’ed you a moment ago.

[vitterd]

So Vitterd riddle me this, Does Elon Musk have a bad credit score because he doesn't owe anyone any money?

How do you know what his finances are?

[BeatTheJerk]

I was replying to Demonta

Yeah I know I was just making a generalization, we good.

[BrickJames]

I know way more than you.

No, I didn’t say that but revolving credit is a big factor. If you’re not paying anything off, it gives you no payment history. Which makes your score low. You grow your score by paying things off. Long credit history with on time payment history is his you get high scores. Not just buying shit.

I know this for a fact. I would always buy my shit outright and the FA’s told me to stop….pay half and finance. That’s how scores increase.

Yeah you dipshit. Read what I said, I have had mortgages I paid them all off I have had credit card debt I paid it all off.

I'm not lying about my credit score.

Why the penetrate would I care what you think my credit score is are you going to give me a loan? I'm my own bank big guy I don't need a fukking loan

[vitterd]

Yeah you dipshit. Read what I said, I have had mortgages I paid them all off I have had credit card debt I paid it all off.

I'm not lying about my credit score.

Why the penetrate would I care what you think my credit score is are you going to give me a loan? I'm my own bank big guy I don't need a fukking loan

You didn’t clarify that in the beginning. You claimed you just buy everything outright.

I don’t need loans or to finance cars but I do on the advice of smart FA’s. If I take out a loan on a car….I pay it off in 3 years….and use ************ here and there, pay them off. Never miss payments…..my score is always as good as possible.

[BrickJames]

You didn’t clarify that in the beginning. You claimed you just buy everything outright.

I don’t need loans or to finance cars but I do on the advice of smart FA’s. If I take out a loan on a car….I pay it off in 3 years….and use ************ here and there, pay them off. Never miss payments…..my score is always as good as possible.

I have never financed a car in my life, I have always bought my car's outright.

I said I have financed property and have had credit card debt in the past. At this point I have a nearly perfect credit score and I don't owe a penny to anyone.

Am I lying?

[BrickJames]

The whole reason we got on this topic was because you thought that I owed money on a car from 10 years ago.

I would never borrow money against a car that's the dumbest shit you can do.

[BeatTheJerk]

I think we’ve come to a point where we understand each other enough to move on from this topic lol starting to feel very circular now.

[vitterd]

I have never financed a car in my life, I have always bought my car's outright.

I said I have financed property and have had credit card debt in the past. At this point I have a nearly perfect credit score and I don't owe a penny to anyone.

Am I lying?

I have no idea if you’re lying.

My credit score is tremendous. It’s because I was told how to do it. I used to buy my cars outright and was told to stop doing it. I bought my house outright. I was paying almost nothing on ************. I had zero debt. My score was low because of it. My FA’s told me how to start doing it the right way and now it’s incredible.

[BrickJames]

I have no idea if you’re lying.

My credit score is tremendous. It’s because I was told how to do it. I used to buy my cars outright and was told to stop doing it. I bought my house outright. I was paying almost nothing on ************. I had zero debt. My score was low because of it. My FA’s told me how to start doing it the right way and now it’s incredible.

If you never have credit and never use credit it's going to be a bad score yes, what I'm saying is if you use credit and achieve a high score and pay everything off your score will not go down because of the fact that you don't owe money

[vitterd]

The whole reason we got on this topic was because you thought that I owed money on a car from 10 years ago.

I would never borrow money against a car that's the dumbest shit you can do.

Nah, it’s not really. If you’re not investing in a property and getting an extremely low interest rate, it’s an easy thing to do and cost virtually nothing. It worth it to increase your score.