Hey /biz/ really quick question I've been super conscientious

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Anonymous
2016-01-10 07:29:33 Post No. 1034749
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Anonymous 2016-01-10 07:29:33 Post No. 1034749 [Report]

Hey /biz/ really quick question

I've been super conscientious about building my credit score. I'm looking to make a $23,000 purchase. My checking is around $26,000 so i'm good for it, plus my income will refill it semi quickly.

My question is, will my amex and things see my balance dropping to $3k and financial review me? I could also finance the thing but It's cheaper in the long run to just buy it straight out.

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Anonymous 2016-01-10 07:39:09 Post No.1034771
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Anonymous 2016-01-10 07:39:09 Post No.1034771 [Report]

>>1034749
amex doesn't know your bank account balance unless you report it to them, so no.

if you're talking about a 26k line of credit then yes they will see that it drops to 23k/26k uti.

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Anonymous 2016-01-10 07:46:55 Post No.1034789
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Anonymous 2016-01-10 07:46:55 Post No.1034789 [Report]

>>1034749
Credit scores are based on patterns and consistency for the most part. Paying routine bills on time, not caring huge debts (not including loans)

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Anonymous 2016-01-10 07:48:25 Post No.1034790
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Anonymous 2016-01-10 07:48:25 Post No.1034790 [Report]

>>1034771
And this is w wrong, all your money's are reviewed by the major c credit guys. There's no hiding the zucchini