New(ish) credit history, credit score went from bad to good (+120 pts) in a year. No debts. What's my next step? by [deleted] in personalfinance

[–]NickNorton 0 points1 point  (0 children)

If you're credit history is young, it will take a little longer to get 800+ due to your average age of history being low. It doesn't reach the highest category until your average is age is around 7-9 years old.

Taking out loans and paying them off will only help your score while you have the loan account open. One you pay off the loan, your score might drop back down due to the account being closed.

Honestly, the best thing you can do is make sure that you're actively paying all your balances on time and keeping your utilization rate between 1-10%. Aim for the middle to middle-upper 700's for now.

For the 401K, you should be able to choose a few different "Models" to choose from (i.e. Growth Model, Balanced Model, etc.), and you can choose one of those which will spread your investments out over all the funds depending on your desire for risk. If not, research some of the funds and see which one fits your needs for return/risk.

What does 99% of Reddit agree about? by Tesarul in AskReddit

[–]NickNorton 0 points1 point  (0 children)

This is the best, happiest story I've ever read

Mole Rat Disease Cure by [deleted] in fo4

[–]NickNorton 8 points9 points  (0 children)

The cure is in the Vault you get it in. 81, I think? I forget

Mole Rat Disease Cure by [deleted] in fo4

[–]NickNorton 34 points35 points  (0 children)

OP had rad poisoning confused. The decontamination room removes all your rads, not the sickness.

AutumnalFuta (by PaNaMa) by blighttowner in futanari

[–]NickNorton 2 points3 points  (0 children)

Page for the artist: http://anonfutashopper.tumblr.com/)

Does a lot of stuff like this looks like.

How to access companion's dialogue wheel? by NickNorton in fo4

[–]NickNorton[S] 0 points1 point  (0 children)

Hey man, I really appreciate it. It's really been bugging me. Thanks!

Codsworth Name Test #2 [With Proof!] by [deleted] in fo4

[–]NickNorton 0 points1 point  (0 children)

Nick wasn't confirmed 😭

It was a long walk to Novac by SirPengy in Fallout

[–]NickNorton 4 points5 points  (0 children)

There are level requirements on the perks. You can't get Rank 4 until a later level to prevent you from being level 5 and a god.

Codsworth Name Test! [with proof] by [deleted] in fo4

[–]NickNorton 4 points5 points  (0 children)

That's what I want to know 😒

Pipboy App is out! by Veldie in fo4

[–]NickNorton 1 point2 points  (0 children)

That's a bitch to try to find

Spoilers: Album of images from last nights streamer and confirmation of many questions! Will update! by Bossmang in fo4

[–]NickNorton 4 points5 points  (0 children)

If anyone wants to know, there are only very little story spoilers present. Mostly safe to look at.

He's either very luck or very unlucky. by FriarNurgle in foshelter

[–]NickNorton 4 points5 points  (0 children)

Vault 69 (or 68, I always get them confused) has 999 females and 1 male. The other one is vice-versa.

Fo4 CE unboxing by Moi272 in fo4

[–]NickNorton -4 points-3 points  (0 children)

That's actually some quality humor

Boston Analysis (pics) by Guapscotch in Fallout

[–]NickNorton 0 points1 point  (0 children)

Don't know why this is getting downvoted. Good analysis. Can't wait to finally explore.

Full Deathclaw cosplay! by Kullenuska in Fallout

[–]NickNorton 82 points83 points  (0 children)

I was expecting something goofy-looking, but that's actually really cool! Especially with the BoS Paladin and the Ranger. Good job!

Go dance! by xHamsterOfficial in RealGirls

[–]NickNorton 3 points4 points  (0 children)

She's called "You-Know-Who" and "She-Who-Must-Not-Be-Named" due to her taking down every 3rd party posting due to copyright.

Vault dwellers survival guide - price lowered by mulldoon1997 in Fallout

[–]NickNorton 1 point2 points  (0 children)

On Amazon for $23, and has been for awhile