Credit Karma

See, this is all factual. But the majority of humans are not punctual and are very reactionary, and will just buy shit... or they have bad luck and get hit with expenses that put them in binds where credit is needed or a bill goes to collections. Medical expenses and housing are probably the two biggest offenders. 5 years ago, my credit was in the like 500s, because I legit had nothing on there expect my student loans. All cars had been bought with cash and I bought everything worth cash because I was simply uneducated of the importance of credit. My lady legit set me up with my first CC at 26. Lol. And it’s been all uphill since then. I think the two biggest factors is paying on time and actually having accounts in good standing. At least according to Credit Karma.

/r/BlackPeopleTwitter Thread Parent Link - i.imgur.com