Sam

[Sam @Samyk2i]

@Seegy24 @haibrookiebear Yeah you can’t call this “one of those free ones” and expect everyone to know what you mean because we don’t know what you’re referring to as “one.” Turns out you meant credit score monitoring but didn’t know what it was called. lol.

[Sam @Samyk2i]

@Seegy24 @haibrookiebear Do you mean credit score monitoring? What the fuck are you talking about? I don’t know what you mean because you’re not elaborating on it. Read what you’ve said back to me and understand that you’re speaking like a fucking moron. lol. You could be right just explain it?

[Sam @Samyk2i]

@Serene_Necrosis Clean your fucking house.

[Sam @Samyk2i]

@galeoftheveil @haibrookiebear The bank can’t help you with that part because the bank isn’t the credit bureau but they can help you with products and ways to build your credit.

[Sam @Samyk2i]

@galeoftheveil @haibrookiebear You can go create free online accounts with the bureaus , Equifax, TransUnion, and Experian and lock and unlock your credit as needed through there. But also if you just call them back and speak to a person they can probably verify and get you unlocked.

[Sam @Samyk2i]

@Seegy24 @haibrookiebear What do you even mean by “one of those free ones you get with your credit card?” The shit you’re saying doesn’t even make sense. lol.

[Sam @Samyk2i]

@eurofounder @Uber Why the fuck would the uber that you ordered to come pick you up not have your first name? lol.

[Sam @Samyk2i]

@LebronGames2323 @KingVelesI @FirefliTheWitch If common sense doesn’t tell you that during pregnancy you expend more energy and burn more calories and need more vitamins and nutrients to sustain yourself and a fetus then there’s nothing I can do to help you. You’re literally making a person.

[Sam @Samyk2i]

@LebronGames2323 @KingVelesI @FirefliTheWitch Dumbass lol

[Sam @Samyk2i]

@LebronGames2323 @KingVelesI @FirefliTheWitch He said “the only way a person can gain weight” water weight is still weight. You do by default gain weight during pregnancy. Have you been pregnant? Have you seen an obgyn throughout your pregnancy? Because I have. lol.

[Sam @Samyk2i]

@legalesnupi I don’t think they really said anything offensive and I think you were kind of defensive for no reason.

[Sam @Samyk2i]

@KingVelesI @FirefliTheWitch It’s literally a proven fact that your weight fluctuates during your cycle. Women also birth babies which requires them to intake enough food to sustain a fetus which I would guess to say is one of the most common reasons for weight gain in women. You’re dense.

[Sam @Samyk2i]

@KingVelesI Not true at all. Exactly the opposite. lol. Women’s weight fluctuates regardless of whether they’re small or big and hormones have a huge effect on that. Men can literally eat okay and go to the gym a little and be skinny.

[Sam @Samyk2i]

@jilyannori @vzzeo Yeah but you have to be gone for some time before it even goes to away. Not that I think going to make coffee is a big deal but it was more than 4 minutes.

[Sam @Samyk2i]

@Seegy24 @haibrookiebear Everything isn’t AI generated. lol. Underwriters actually review applications.

[Sam @Samyk2i]

@TheAmazingEevee @galeoftheveil And when you’re looking at secured cards check to see if it’s one that converts into an unsecured after a certain period of good history. If not then you’ll probably want to close it eventually to get your deposit back and that will negatively affect credit as well.

[Sam @Samyk2i]

@rev_supertwin @galeoftheveil @haibrookiebear I’ve had people in their 70s who can’t get a loan when they finally need one because they’ve paid cash and been anti-credit card their whole life.

[Sam @Samyk2i]

@rev_supertwin @galeoftheveil @haibrookiebear I mean kinda but no credit is also bad. lol. You actually should get credit cards when you don’t really *need* them and plan on maxing them out. You use credit cards when you have the money to pay them.

[Sam @Samyk2i]

@galeoftheveil @haibrookiebear I used to be a banker in a college and they would always want to wait until they graduated college to start building credit and I’d have to tell them that’s too late. Now I literally talk to parents about putting their kids on as authorized users while they’re in high school.

[Sam @Samyk2i]

@haibrookiebear @galeoftheveil Credit criteria is a big part of it. Typically underwriters want you to have 3 tradelines with a little bit of variety. So like 2 loans and a credit card or 2 credit cards and a loan.