unknown

[unknown @CosmicDr1ft]

@ProfessorPaull @ChicagoNewRoom

[unknown @CosmicDr1ft]

@rvslana Fucking promiscuous bitch.

[unknown @CosmicDr1ft]

@heavent0lexi

[unknown @CosmicDr1ft]

@messi_0520 Eww 💩. Sounds like a bunch of monkeys in a zoo.

[unknown @CosmicDr1ft]

@1EntreProNegro Another monkey with a gun.

[unknown @CosmicDr1ft]

@SlimetoTopics Fucking faggot.

[unknown @CosmicDr1ft]

@ludejf24 I hate Messi, but goddamn, this dude is so fucking cringe that I almost hate him more.

[unknown @CosmicDr1ft]

I don’t blame a lot of people for not knowing this, they don’t really teach this shit in school nowadays. Nonetheless I got you I’ll list everything out.

𝗨𝗻𝗱𝗲𝗿 𝟭𝟴 (𝟭𝟯–𝟭𝟳)

Become an authorized user: (Best option)
A parent or guardian adds you to their credit card, which can help you build credit if it’s reported.

Credit-building debit cards:
Some debit cards report your payment activity to help establish credit.

Youth banking programs:
Some banks offer teen accounts that help build a banking relationship, even though they don’t build credit directly.

⸻

𝗔𝗴𝗲𝘀 𝟭𝟴+

Secured Credit Card (My personal recommendation)
You put down a refundable deposit as your credit limit. This is what I started with, and it helped me build my credit a lot. It may not be the best option for everyone, so don’t be afraid to explore your options.

Become an authorized user:
Being added to someone else’s credit card can help build your credit history.

Student credit cards:
Designed for college students with little or no credit history.

Beginner/unsecured credit cards:
Entry-level credit cards made for people building credit for the first time.

Credit-builder loans:
You make monthly payments, and those payments are reported to the credit bureaus.

Credit-builder accounts:
Services like Self, Kikoff, and Grow Credit are designed specifically to help build credit.

Retail/store credit cards:
Often easier to qualify for but usually have higher interest rates.

Auto loans:
Making your car payments on time helps build your credit history.

Personal loans:
Paying back a personal loan responsibly can strengthen your credit profile.

Rent reporting:
Services can report your on-time rent payments to the credit bureaus.

Utility & phone bill reporting:
Some services report eligible utility and phone payments to help build credit.

Federal student loans:
These appear on your credit report, and on-time payments help build credit once repayment begins.

Financing programs:
Financing furniture, electronics, or medical expenses can help build credit if payments are made on time.

Bank relationship programs:
Having accounts with a bank may improve your chances of getting approved for your first credit card.

[unknown @CosmicDr1ft]

I’m actually arguing with a child. What the heck? 💀 That’s all you’ve been saying, you fucking toddler: “Go get some friends. You sound lonely.”

You started our conversation civilized. Did you slowly start getting aggressive because I proved you wrong? Now your feelings are hurt because I caught you trying to hide your last comment because you knew damn well you were wrong.

This whole conversation has nothing to do with me having friends or being lonely. It does have everything to do with you chimpin’ out, though, so please tell me where I’m stupid. You should be grateful for the broken condom you owe your life to.

[unknown @CosmicDr1ft]

@amberali5525611 @IAmStephParker @DeenTheGreat Oh no, another incompetent chimp. What makes you think I’m White, you retard? I can give you plenty of reasons why I think our Black community is fucked in America.

[unknown @CosmicDr1ft]

@uknownmurda @ChicagoNewRoom You’re literally proving my point, chimp, and this is coming from a Black guy. The majority of our chimp community wants to tote guns and shoot everybody because they disagree with you.

[unknown @CosmicDr1ft]

No way you’re talking about other people having low IQ when you literally tried to argue with me about something you don’t even have factual evidence on. I can cuss all I want, chimp. That does not have anything to do with my IQ. You’re literally a waste of brain cells. I feel bad for your head.

[unknown @CosmicDr1ft]

@ProfessorPaull @ChicagoNewRoom Wtf are you even on about? 😂 When I proved you wrong, you started insulting my English when it’s 10x better than yours. 💀 Try a different insult, chimp.

[unknown @CosmicDr1ft]

@ProfessorPaull @ChicagoNewRoom You…..

[unknown @CosmicDr1ft]

Look at you trying to use a lame-ass insult after getting proven wrong. Just say I was right, dude. I said that you were right on certain things, so why can’t you just admit it? Is it just the Black part of you that’s kicking in? It literally feels like I’m talking to a fucking two-year-old. I can probably speak English way better than you, from what I’m seeing right now. You chimps like to come in, get aggressive when you get proven wrong, and start throwing insults. Look at you.

[unknown @CosmicDr1ft]

You’re actually fucking retarded. Why’d you take down the comment you said? Are you a fucking chimp too? You 1-IQ little chimp.

You are right—more White people commit mass shootings, but that’s not really what I was talking about. I’m talking about chimps carrying weapons.

There’s no way you said that. You really don’t think a single Black person has committed a mass shooting? You might be the brainwashed one here. But here you go.

Tyrone Mitchell — 1984
Darrell Ingram — 2000
Nathaniel Brazill — 2000
James Easton Kelly — 2000
Carlton Dotson — 2003
Nicco Tatum — 2007
Latina Williams — 2008
O’Dane Maye — 2009
Myron May — 2014
Orlando Harris — 2022
Solomon Henderson — 2025

[unknown @CosmicDr1ft]

You are right, I agree with all that. But you know damn well the majority of these chimps are going around shooting at each other for no damn good reason. On top of that, some of them could be felons who shouldn’t be owning a weapon in the first place—this is coming from a Black person, by the way.

[unknown @CosmicDr1ft]

@nickatnite18_

[unknown @CosmicDr1ft]

@DeenTheGreat