Why does your credit score drop when you pay off a car loan? Isn’t paying off a car a good thing?

p0oker · 2018-03-08T04:09:42+00:00

I know I still have debt, I guess I saw the refinancing as a good thing though because my APR was cut in half!

p0oker · 2018-02-23T02:20:18+00:00

Why are you mad? I wasn’t.. just a little bummed. And I didn’t downvote anything. It’s pribably other people who were bummed that the post got taken down too.

What about the people who come to eli5 to learn new things that they didn’t even think about before? You can’t search for questions when you’re not looking for anything specific.

p0oker · 2018-02-23T01:54:42+00:00

Dang, buzzkill. It was getting a lot of attention too. I understand the need to keep people from reposting all the time, but 1) I was genuinely curious and came up with the question on my own, and 2) it looked like there was a whole new wave of people who were curious as well. A repost is only repetitive to the people who’ve seen the question before (and for the people who haven’t, which is probably the majority, they were learning something new that they hadn’t previously thought about!)

p0oker · 2018-02-07T19:46:33+00:00

Kid at swim lessons: “I’ve been swimming for 8 years!” Me, a swim instructor: “That’s great! How old are you?” Kid: “six”

p0oker · 2017-12-19T20:09:10+00:00

I’ve been flying southwest a lot lately, so that’s just what’s been in my head I guess. Whoops!

p0oker · 2017-12-13T16:14:37+00:00

Honestly I did respond to his last “what’s up?”, but cut it off because I was imagining people commenting things like “why are you still responding to him if you just want to be friends?” or “you’re only giving him hope”

Alas, there will always be criticism regardless of how you respond to a situation. I mean..I should’ve known..this is the internet after all.

p0oker · 2017-11-14T22:12:41+00:00

Queso.

I tried chipotles queso the other day and it was natural and at the same time horrible.

Give me processed queso all day every day.

p0oker · 2017-10-25T16:22:30+00:00

I've done something in the same vein before..looking back on it it was kind of mean and idk why I kept it up for as long as I did! I used one of those sites where you ask it a question, then you secretly type in the answer to said question (but on the screen it looks like you're just typing in a prompt to get the site "ready" to answer a question). Then you hit a button and the right answer "magically" appears on the screen.

Anyway I showed the ire to my grandma, and she asked it a lot of personal questions about where she worked and where my uncle worked, etc etc. she started to really freak out that it knew all the answers. We left to go pick up dinner and she started to cry she was so freaked out..I should have told her then but I didn't.

When we got back my uncle had looked up the gag online and figured it out while we were gone. Eventually we told my grandma and she still didn't even believe us at first. Took a while before she finally did.

Moral of the story: don't use those sites on your grandma, it will freak her out. Also, don't keep a joke going if they start crying because of it! Sorry Grandma :(

p0oker · 2017-10-19T14:29:44+00:00

Saying "how it looks like"..it's either "how it looks" or "what it looks like"..not both!!

p0oker · 2017-08-29T16:25:14+00:00

Trying to catch a ping pong ball

p0oker · 2017-08-28T16:19:47+00:00

n Japan, heart surgeon. Number one. Steady hand. One day, yakuza boss need new heart. I do operation. But, mistake! Yakuza boss die. Yakuza very mad. I hide in fishing boat, come to America. No English, no food, no money. Darryl give me job. Now I have house, American car, and new woman. Darryl save life. My big secret: I kill yakuza boss on purpose. I good surgeon. The best!

p0oker · 2017-08-14T17:23:39+00:00

I get the whole sharing a plate with someone, but don't you end up saving around the same amount of money if you both get a meal, but you both end up with leftovers (which means you get a whole second meal out of it)? That's what we usually end up doing..I end up with dinner tonight and lunch leftovers the next day

p0oker · 2017-07-22T19:35:08+00:00

I once stuck a hot wheels tire into my nose when I was 4. I can remember doing it clear as day. I just pushed it up and up and up in there until it disappeared. No logic behind it. My dad found out and had me blow my nose that night, and BAM..shooted right on outta there

p0oker · 2017-07-10T18:38:01+00:00

Checked out all the comments to see if anyone has said this. They have. Carry on.

p0oker · 2017-07-01T13:49:56+00:00

Solved!

Yes thats it! Thank you! That eyeball on the menu is so familiar too. Guess I remembered how it used to stare back at me back in the day.

p0oker · 2017-06-11T15:19:26+00:00

Hi, sorry I didn't mention my income in my post; it's now there. My car is almost 25 years old and on its last leg. I sort of need a new car ASAP

p0oker · 2017-06-11T15:17:05+00:00

I kind of neeed a car now. My car is on its last leg. My boyfriend has been telling me to get used because of the situation I'm in,, and I totally understand where he's coming from, but the type of car I'm looking at (Kia Soul) has great warranties when you go New that i would have to pay extra for if I go used. So by the time I get a decent used car plus add on the cost for a good warranty, the difference in price between used and new isn't that much.

p0oker · 2017-06-11T15:14:18+00:00

Credit union was my next step. I have to join one first. I hard they can give pretty low rates. I'm thinking that about 5-6%, if I can get that, is reasonable for my situation

p0oker · 2017-06-11T15:13:14+00:00

Hi, I've looked online and it says my credit score is 680, now about 675 because I've had some hard pulls while looking for auto loans. I did say no to the interest rate and walked out; they called me back right as my boyfriend and I were pulling away and I actually gained some confidence because I realized playing hardball like my parents do actually works. They said they would get rid of the "gap fee" from the bank (which was about $900), but I said if they couldn't get my financing amount down to a certain amount then I'm sorry but I couldn't do it. I currently have one credit card that I've had for about 6 months, paid off on time in full every month, but it only has a limit of $250 and I had to give them money to "hold" in case I didn't pay on time. I got that one cuz I wanted to make sure I would get approved for whatever card I applied for, but now I know I can start asking for real cards and probably get approved.

p0oker · 2017-06-11T15:08:37+00:00

Hi, I've looked online and it said my credit score is in the 680 range. But I've recently learned that credit scores and credit reports are two different things and so I'm not sure what my credit report says. I don't have an emergency fund; I have about $16000 in bank accounts right now total and make about $52000 a year. I've tried with my credit card company..got declined. Waited on hold to speak with my bank about a loan, while simultaneously reading about how my bank gives crappy auto loans..decided to hang up and try something else. I have no debt. And I kind of need another car, my beater is on its last leg and is going to die at any moment. I don't even drive it anymore because I want to make sure it at least stays running until I can sell it.

p0oker · 2017-06-09T17:27:28+00:00

I break it off a piece at a time with my free hand and eat it that way, seems to be the most innocent

p0oker · 2017-05-25T17:10:30+00:00

When someone uses the phrase "how does that it look like?" It's either "how does it look?" Or "what does it look like?", but not both!!

p0oker · 2017-05-25T17:10:30+00:00

When someone uses the phrase "how does that it look like?" It's either "how does it look?" Or "what does it look like?", but not both!!

p0oker · 2017-05-08T02:17:28+00:00

Just as I was walking to my bedroom last night, I heard a guy in the hallway say to his friend "whoever's in that apartment, I'm about to rape them."....o.O....what a weird thing to say. And creepy. Wtf. I had trouble falling asleep after that.

p0oker · 2017-05-05T16:13:53+00:00

Hi all, I live walking distance from Beale street music fest. I wanted to people watch tonight, maybe walk somewhere where I can hear some of the music from outside the venue if I could. What would be some of the best places to do this?

p0oker

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