# Well, it took me decades but I finally got my credit score up **URL:** \ **Category:** Misc. Discussion\ **Created:** [August 25, 2023, 12:08am UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641 "2023-08-25T00:08:20Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![gromicko](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/gromicko/32/58172_2.png) [@gromicko](https://forum.nachi.org/u/gromicko)\ **Post date:** [August 25, 2023, 12:08am UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/1 "2023-08-25T00:08:20Z")
Only now I don’t need credit. ![Screenshot 2023-08-24 at 6.07.18 PM](https://global.discourse-cdn.com/internachi/original/4X/5/d/9/5d9a67be2fa5f849d3bf5ac5db33e36404b5c36c.png) ---
**Author:** ![lkage](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/lkage/32/347658_2.png) [@lkage](https://forum.nachi.org/u/lkage)\ **Post date:** [August 25, 2023, 1:14am UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/2 "2023-08-25T01:14:55Z")
> [@gromicko](#): > > Only now I don’t need credit. 👍 Same, me neither. ---
**Author:** ![rmayo](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/rmayo/32/59218_2.png) [@rmayo](https://forum.nachi.org/u/rmayo)\ **Post date:** [August 25, 2023, 1:28pm UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/3 "2023-08-25T13:28:34Z")
Young adults don’t realize the importance of that credit score. ---
**Author:** ![gromicko](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/gromicko/32/58172_2.png) [@gromicko](https://forum.nachi.org/u/gromicko)\ **Post date:** [August 25, 2023, 3:33pm UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/4 "2023-08-25T15:33:44Z")
I finally have great credit at a time of my life when I have no more use for it. ---
**Author:** ![jmckee](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jmckee/32/211009_2.png) [@jmckee](https://forum.nachi.org/u/jmckee)\ **Post date:** [August 25, 2023, 3:40pm UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/5 "2023-08-25T15:40:44Z")
that is generally how that works… ---
**Author:** ![glarin](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/glarin/32/58243_2.png) [@glarin](https://forum.nachi.org/u/glarin)\ **Post date:** [August 26, 2023, 1:13am UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/6 "2023-08-26T01:13:35Z")
I’m at about the same level (825) and don’t need it. When you need it you can’t get it, LOL G ---
**Author:** ![lhenderson2](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/lhenderson2/32/58205_2.png) [@lhenderson2](https://forum.nachi.org/u/lhenderson2)\ **Post date:** [August 26, 2023, 2:54pm UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/7 "2023-08-26T14:54:23Z")
I’ve been over 800 for years. I did a streamline refinance a few years ago. “Streamline” my arse! Gotta say that I still jumped through every hoop and over every hurdle like my score was 500. I was pretty pissed by the end of the process. I did four P&Ls for them. I’ll have the house paid off next year and good riddance to them. And then this morning, I saw that my company debit card has been compromised and three transfers have been made in the last couple of days. Sheesh, I barely use that card, but the criminal jerks still somehow got the number. And so it goes. ---
**Author:** ![gromicko](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/gromicko/32/58172_2.png) [@gromicko](https://forum.nachi.org/u/gromicko)\ **Post date:** [August 26, 2023, 5:32pm UTC](https://forum.nachi.org/t/well-it-took-me-decades-but-i-finally-got-my-credit-score-up/232641/8 "2023-08-26T17:32:26Z")
Being debt free was a mistake on my part. When interest rates were low, I should have bought 5 more rentals.