PebHmong Discussion Forum

General Category => General Discussion => Topic started by: theking on October 12, 2022, 06:33:39 PM

Title: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 12, 2022, 06:33:39 PM
...our credit scores have dropped a few points mainly due to no unsecured loans. That's just how it is when they calculate your credit scores with all the factors involved...

We don't plan to finance anything or do anything drastic in the future so our credit scores regardless if it's high or low is not really a factor..
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: NtsesHnub on October 12, 2022, 08:11:53 PM
I don't even know my credit score or if i even have one.  I took a loan only once in my life and that was for a car.  My fico was good till I paid off the loan then it wasn't on my bank statements. 
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 12, 2022, 11:40:42 PM
Isn’t this the same dude that was crying back in july about his $10,000+  CREDIT CARD DEBT???
 
:D :D ;D

i don’t know folks
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: VillainousHero on October 12, 2022, 11:43:31 PM
I hope to get back to the point of being debt free. 
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 12, 2022, 11:47:04 PM
Isn’t this the same dude that was crying back in july about his $10,000+  CREDIT CARD DEBT???
 
:D :D ;D

i don’t know folks


dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..

THEREFORE:

yeah i just make that stuff up

Just lied, dude



And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 12, 2022, 11:48:03 PM
I hope to get back to the point of being debt free.

Yep, and you can do it... O0
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 12, 2022, 11:48:19 PM
I hope to get back to the point of being debt free.

We are a debt country
Don’t worry about it
Just keep paying it off


THIS DUDE WAS CRYING ABOUT HIS $10,000+ credit card debt
Probably higher than yours
And only making bare minimum payment

(https://i.imgur.com/MxssrtS.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 12, 2022, 11:53:02 PM
See how desperate THAT GUY is.. ;D:

(https://i.imgur.com/nWRvQoA.png)


BECAUSE:

dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..

THEREFORE:

yeah i just make that stuff up

Just lied, dude



And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 12:01:56 AM
Don’t spam your own thread

 ;D ;D ;D

Pay off that $10k credit card debt of yours
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 12:03:41 AM
THAT GUY continues to "spam" his LIES because:

dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..

THEREFORE:

yeah i just make that stuff up

Just lied, dude



And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 11:14:50 AM


(https://i.imgur.com/MxssrtS.png)


See how desperate THAT GUY is.. ;D:

(https://i.imgur.com/nWRvQoA.png)




dates don't match
gotta pay attention to detail

i thought you were a BIG BOSS??

 ;D ;D ;D

keep digging your holes deeper

Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: Cali Guy on October 13, 2022, 11:40:21 AM
Nice!! Credit score will fluctuate by depending on what you spend on your cc now that you’re debt free.
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: Cali Guy on October 13, 2022, 11:42:49 AM


dates don't match
gotta pay attention to detail

i thought you were a BIG BOSS??

 ;D ;D ;D

keep digging your holes deeper

Duh, different transactions but it’s not surprising that you’re that slow.  ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 11:56:16 AM
Duh, different transactions but it’s not surprising that you’re that slow.  ;D ;D

WOW

you really are something
Thought you were highly educated????


WINDOW TAB at the screen doesn’t match
HELL EVEN the battery icon doesn’t match

ATTENTION TO DETAIL


This dude has a history of lying, spamming and trolling
Your hatrrd toward me cuz you to be dumb

 ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: Cali Guy on October 13, 2022, 12:06:37 PM
WOW

you really are something
Thought you were highly educated????


WINDOW TAB at the screen doesn’t match
HELL EVEN the battery icon doesn’t match

ATTENTION TO DETAIL


This dude has a history of lying, spamming and trolling
Your hatrrd toward me cuz you to be dumb

 ;D ;D

Yes you can be that dumb because you’re blinded by your own hatred.
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 12:12:55 PM
Yes you can be that dumb because you’re blinded by your own hatred.

you are blinded by deep hatred for me
at least with me
i do    "p=pebhmong"


bottom of the screenshot... the tab icon don't even match
HELL EVEN THE BATTERY ICON DON'T MATCH

dates and everything

 ;D ;D ;D

Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: DuMa on October 13, 2022, 12:28:51 PM
Having a line of credit can be seen by some as being over rated. 

If they live a low scale life style then they do not need credit.  There are a lot of low scale jobs out there that does not need for you to have credit.  If you are ghetto, you probably know how to live within your means and not having to deal with credit.  Just like a ghetto sketchy guy who drives around with his bicycle because the dmv revoke or suspend his license.  He still gets his chit done regardless. 

Now lets see here.

If you need a place to stay, have someone else with better credit to be the person on the housing listing but it is you who pays for the rent.

Same thing with buying a new car.  Have the car under someone else and put yourself on the insurance to be insured to drive that car or go the co sign way.  Not sure now but back in them days, welfare people must report the value of their vehicle.  I think in the 90s, it was a car under $3000.  If you have someone else to be on the title then your welfare azz can look like a millionaire with your joy ride too. 

Same thing with buying anything else.  Get that trusted person to buy it and you pay monthly for it. 

What is in it for them?  They get to help out a person and their credit score will go up if you don't screw them by paying your monthly payment on time. 

If you have a surrogate, you do not need credit. 
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: Cali Guy on October 13, 2022, 12:32:00 PM
you are blinded by deep hatred for me
at least with me
i do    "p=pebhmong"


bottom of the screenshot... the tab icon don't even match
HELL EVEN THE BATTERY ICON DON'T MATCH

dates and everything

 ;D ;D ;D

Can’t hate any idiot like you, bad karma. lol no worries, you’re not the first to hate on me.
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 12:46:41 PM
Can’t hate any idiot like you, bad karma. lol no worries, you’re not the first to hate on me.

nothing but love here
im just trying to help you out
so you don't get taken advantage of

 ;D ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 07:20:52 PM
dates don't match
gotta pay attention to detail

i thought you were a BIG BOSS??

 ;D ;D ;D

keep digging your holes deeper

I did that to show you that I've been paying my credit card dues in full for "YEARRRSSS" now but the EPIC FAIL idiot in you continues to fail you so not my problem...


Now, let's see what kind of LIE THAT GUY, the "compulsive liar" (per the neutral PH members) will come up with now  because I still have digital records of how I paid my credit card dues in full every cycle...;D:

(https://i.imgur.com/yhSTSmd.png)

Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 07:22:38 PM
Can’t hate any idiot like you, bad karma. lol no worries, you’re not the first to hate on me.


 ;D ;D ;D

Some like THAT GUY are beyond help...
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 07:29:52 PM
bottom of the screenshot... the tab icon don't even match
HELL EVEN THE BATTERY ICON DON'T MATCH



And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 11:05:03 PM
(https://i.imgur.com/nWRvQoA.png)


Dates don’t match
Windows tab at the bottom don’t match
WIFI, battery icon etc… don’t match


GOTTA PAY ATTENTION TO DETAIL WHEN YOU PHOTOSHOP BRO

 :2funny: :2funny:
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 11:10:41 PM
And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 11:26:17 PM
(https://i.imgur.com/nWRvQoA.png)


Dates don’t match
Windows tab at the bottom don’t match
WIFI, battery icon etc… don’t match


GOTTA PAY ATTENTION TO DETAIL WHEN YOU PHOTOSHOP BRO

 :2funny: :2funny:

Bottom right
The battery icons don’t even match

HELL ALL THE WINDOW TAB DONT MATCH

 ;D ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 11:30:18 PM
And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 13, 2022, 11:33:48 PM
He say he doesn’t have debt
Than show his $10k credit card debt

OH CMON NOW

 ;D ;D :D

Funny stuff
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 13, 2022, 11:37:45 PM
Not my fault you can't read nor understand how credit cards work since you just leech and steal...And yes, calling page 3 now due to the humongous amount of froth spewing from THAT GUY's mouth..despite his "CLICKUON" EPIC FAIL LIE below..WATCH!!! ;D


THEREFORE:


And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on October 14, 2022, 11:52:16 PM
I won’t called $7k
Or $10k credit card debt

What the hell you lying these days

being debt free

 ;D :D

Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 14, 2022, 11:57:07 PM
Not my fault you can't read nor understand how credit card payment cycle works since you just leech and steal...And yes, calling page 3 now due to the humongous amount of froth spewing from THAT GUY's mouth..despite his "CLICKUON" EPIC FAIL LIE below..WATCH!!! ;D


THEREFORE:


And nope, "we all" won't forget this EPIC FAIL until the 12 steps are completed  ;D:

I ALREADY STOP CLICKUON THEM


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on October 14, 2022, 11:59:34 PM
I know THAT GUY tried really hard to abide by his words aka LIES but when he's this "mad", he can't help himself...

BECAUSE:

dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..

 ;D ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on November 23, 2022, 12:34:28 PM
The numbers, date, icon, software don’t even match

 ;D ;D ;D




(https://i.imgur.com/MxssrtS.png)


See how desperate THAT GUY is.. ;D:

(https://i.imgur.com/nWRvQoA.png)


Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on November 23, 2022, 05:24:57 PM
WELPs so much for crying "NO BODY CARES"..."no view" ..."no comment"...

And NOPE "we all" won't forget this EPIC FAIL claim below as it's been over a year now an THAT GUY is still "CLICKUON"...  :idiot2: ;D:

I ALREADY STOP CLICKUON THEM


THEREFORE:

yeah i just make that stuff up

Just lied, dude


BECAUSE:


dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: hmgROCK on November 23, 2022, 05:54:41 PM
Gotta pay ATTENTION TO DETAIL when you photoshop
dates and time snd numbers don’t even much

 ;D ;D ;D




(https://i.imgur.com/MxssrtS.png)


See how desperate THAT GUY is.. ;D:

(https://i.imgur.com/nWRvQoA.png)


Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on November 23, 2022, 10:35:33 PM
And this is why the neutral PH members said THAT GUY "can't read"...And

WELPs so much for crying "NO BODY CARES"..."no view" ..."no comment"...

And NOPE "we all" won't forget this EPIC FAIL claim below as it's been over a year now an THAT GUY is still "CLICKUON"...  :idiot2: ;D:

I ALREADY STOP CLICKUON THEM


THEREFORE:

yeah i just make that stuff up

Just lied, dude


BECAUSE:


dang...somebody is salty
damn bro u hella jealous. that's embarassing man yo..


(https://i.imgur.com/FgYPe0W.png)
(https://i.imgur.com/X3SmAd2.png)
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: NtsesHnub on December 07, 2022, 08:12:31 PM
My new credit score is gonna be, " just lied dude" :2funny:
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: theking on December 08, 2022, 11:14:02 PM
 ;D ;D ;D
Title: Re: My wife and I have been debt free for several years now and it's great but
Post by: Hung_Low on December 09, 2022, 10:03:01 AM
Sorry to bust people's bubble... but no one is really debt free in America. You still owe taxes on your property, vehicle, etc. etc.

The only truly debt free people in America are the homeless  >:D