Alright, ""adults""

No debt, and last I checked it was at 805.

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$40,000 credit card debt and around 750 i think credit score.

that's less money than i make in stocks every year so it's actually not a lot. i spend like 20k on vacations sometimes.

Zero debt

Is it really that common for Americans to be in debt?

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If I'm remembering correctly getting a credit card and paying everything back on time can improve your credit score and make it cheaper and easier to get a loan in the future.

how in the fuck do you build credit? i have been at it for a year now and it's still low

0 lmao
people owe me

No real debt, 735

buying a car or house usually puts you in debt. there's functionally no reason to save up for those things for 10-20 years when you need them at a young age.

credit card debt is a more unfortunate side of american culture, but usually the same logic applies as long as your income is growing year over year. an expensive purchase might change your quality of life dramatically, and if you plan to pay it off in a year or two, then you basically pay a small premium to own it for an extra year or two.

That's very good, actually.

I kinda have a deal like that from my bank on account (pun intended) of being a longtime customer. But I will look into getting one I think.

none and i dont know

I owe a mortgage and a car loan.

Otherwise good.

Score: 800

that's good enough to get a mortgage.

Only because you NEED one to get a mortgage.

Here's how smart people do it. Get a rewards card that pays good returns. Pay it off in full every month and get the rewards for free plus a higher score.

I've got about 200 of credit card debt that I'll pay off once I'm done with this post. As far as I know I don't have a credit score since I rent under the table and I had my student loans forgiven.

That's easy.

Go to a credit union and put $500 down for a secured card. Pay off any balance in full and in 6 months they give you your money back and raise your limit.

score 816
debt ~ $200 whatever my credit card bill is for the month

If you have a card, you have a score.

$5,000 in debt. My credit score is 379 last time I checked.

>debt
About 42,000 Pounds in university loans. I'll never have to pay it back because I will never reach the minimum income to start paying it back.
>credit score
I have never had a credit card or bought anything on credit.

Yes, and the best part is that it's paid for by normies who can't control their spending.

I've tried to find it through stuff like credit karma and they can never find me. I'm sure I have one but I can't access it.

Yes. Having a good credit score makes life all around easier

>Buying a car
>Buying a house
>Taking out any sort of loan
All impossible without good credit, not to mention the various perks that come with them. Everybody should have a credit card in this society

Ever paid bills, a rent, mortgage or car? You pretty much get a credit score assessed on how well you can pay consistent bills, not just a credit card.

Pay off your credit card debt each month.