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Home » Blog » 12 Best Credit Score Memes – Funny Credit Repair (2021)

12 Best Credit Score Memes – Funny Credit Repair (2021)

As a society, we are all becoming more and more dependent on credit scores. They are important to have in today’s world because they can affect so many different facets of your life–from the type of house you can buy or rent, to whether or not you will be approved for jobs that require a credit check. With this much at stake, it is no wonder that people want to know about their credit score! In this blog post we will discuss what credit scores are and how to fix your credit score by using humor with credit score memes.

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The first thing that people should know about their credit score is why these numbers exist in the first place! Credit cards, loans and mortgages all require a risk assessment of an individual based on his or her ability to repay the debt. The credit bureaus Equifax, Experian and TransUnion, which collect data about your financial history over time, provide this information to lenders for evaluation of a loan application or as part of an annual review process with credit card companies.

If you have low credit score lenders consider you high risk and your chances of getting approved for a credit card can be difficult. However, even if you have bad credit you can still get approved for credit cards such as secured credit cards, or credit builders like Chime and Self.

Related: What Are The Best Credit Cards For Bad Credit

Photo Credit: Bolt Credit

The most commonly used credit score is the FICO Score which is calculated into these 5 categories:

  • Payment History (On-Time Payments) – 35%
  • Amount Owed (Amount of Debt) – 30%
  • Length of Credit History (How Long Your Credit Is) – 15%
  • Credit Mix (Mix of credit cards, and loans) – 10%
  • New Credit (new credit accounts opened)- 10%

While the biggest factors of your credit score are payment history and amount owned, the other factors can also bring down your credit score. The meme above mentioned how they paid off an auto loan and their credit score went down. This happens because you closed a revolving credit account that has helped your credit score for a number of years. Once this account is paid off it is removed from your credit and your score will decrease temporarily.

It’s always beneficial to keep revolving accounts open such as an auto loan, mortgage or personal loan as well as credit cards. You can monitor your FICO score with myFICO.

Related: All You Need To Know About Your FICO Score

Your credit score is a number that represents the risk of lending you money. The higher your credit score, the less likely it will be for you to default on payments or not pay off debt in full and on time.

RelatedCredit Saint Reviews, Features, Pro’s And Con’s

How To Get Your Credit Score?

You can get an idea of where your credit stands by checking your credit report at or by asking for a free copy of your Equifax, Experian and TransUnion reports once a year for free.

You can monitor your credit score regularly with apps like Credit Karma, myFICO, or Credit Sesame.

Related: 5 Best Credit Score Apps

Photo Credit: Home Loans Broker Group

One of the biggest side effects of having bad credit is that you will pay thousands of dollars in high interest fees, and extra deposits just to get approved for a personal loans, auto loans, and credit cards.

Related: What Is The Best Strategy To Avoid Paying Interest On Credit Cards

It is possible to get approved for loans with bad credit as a stepping stone in order to build your credit score. Once you increase your credit score it will open new doors and you can get better interest rates or no-interest credit cards.

Related: 5 Best Bad Credit Loans Guaranteed Approval

Photo Credit: Memes Monkey

Having negative items on your credit report such as late payments, collections, repossessions, and bankruptcy can negatively impact your credit score by hundreds of points. When you have these negative items on your credit report it shows lenders that you may not be able to pay back on money that they lend to you.

These negative items can stay on your credit for two to ten years before they fall off. They can be removed by disputing the incorrect negative items from your credit report. You can get free dispute letters here.

Related: How To Use Dispute Letters To Increase Your Credit Score

Photo Credit: Imgflip

With a bad credit score there is a slim chance that a bank will offer you a high credit line loan. If you need a loan there are many ways you can get approved for a personal loan for home renovations, debt consolidation, medical bills, wedding or auto repairs.

Some personal loans don’t check your credit score at all in order to be approved, like Self Loans. These loans will give you access to the money you need while also helping you build your credit score in an effective way for you to manage. Some of our favorite loans are Payoff, Self Credit Builder Loans, Opp Loans or you can consolidate your debt with CuraDebt. You can also use a loan comparison tool like SuperMoney which compares all the loans you can get so you pick the best loan for your needs.

Related: How To Get Personal Loans

Photo Credit: Legend Credit Repair

Your credit score can affect your ability to get a new car and even get turned down for the apartment you wanted. Any credit score of 740 or better will you get better rates on your loans but the average credit score needed to get an auto loan is 660-699.

Related: What Is The Average Credit Score For An Auto Loan?

When you apply for a rental application the potential landlord will run a credit check on you. If you have a bad credit score you might get turned down for the apartment you wanted. You can increase your credit score by reporting your on-time monthly rental payments to the credit bureaus. If you get turned down by your landlord you can try to convince them with a letter to let you rent.

Related: How Can I Report Rent To The Credit Bureaus

Photo Credit: Kappit

Credit Karma uses the Vantage Score to calculate your credit score. The FICO score is used by 90% of lenders so you should monitor all three of your credit scores on a regular basis. While one credit score is not more important than another, you should monitor the right credit score for your needs. For example, if you are looking to buy a home you should be monitoring your FICO score as they have specific FICO scores for each category you need. Credit Karma is free to use and it is a good way to keep track of your TransUnion and Equifax scores.

Related: Credit Karma vs FICO Score

Photo Credit: Meme Generator

With a bad credit score it can be difficult to get a loan from a bank, or friends and family as they might consider you a high risk. There are ways to get money and increase your credit score to put yourself in a better situation. You can get personal loans for a bad credit score fairly easy, you can also consolidate your debt to save you money and extra interest, or you can get a tradeline which will increase your length of credit history, amount owed and on-time payments.

Tradelines are a great way to increase your credit score quickly so you can get approved for the loans that you need. When you buy a tradeline with Tradeline Suppy Company, you can access to someone’s credit line (tradeline). For example, you can get a tradeline that has a credit limit of $20,000 and the account has been open for 10 years and it only has 2% credit utilization that will greatly increase your credit score in 3 of the 5 categories that make up your credit score.

Related: What Are Tradelines?

Photo Credit: Light Side Of Real Estate

Buying a home is the single biggest purchase you will make. Homes can cost a lot of money and most people can’t afford to buy a house with cash so a mortgage is needed to buy a house. A bad credit score can hinder your chances of getting the home of your dreams. Before you apply for a mortgage you will need to work on increasing your credit score so you won’t be denied.

Related: 5 Ways To Increase Your Credit Score Before Applying For A Mortgage

Photo Credit: Fisher Team MCG

The number one reason most people have a bad credit score is because they didn’t know how to manage their money and owed too much that they couldn’t afford their bills or lifestyle. When you rebuild your credit, it is important to only use your credit cards for small purchases that you would typically use with your debit card such as gas, groceries, or bills.

Related: How To Deal With Creditors When You Can’t Pay: How To Get Out Of Debt

Always pay off your credit card balance in full each month to avoid paying interest and always pay on time. Late payments can lower your credit score by 30 points or more very quickly.

Related: What Happens When You Don’t Pay Your Credit Card Bill?

Photo Credit: Bolt Credit

You can hire a company to help you fix your credit score. The main way credit repair companies help your credit score is by disputing negative items from your credit report. The major credit repair companies include Credit Saint Credit Restoration, Lexington Law, DisputeBee Credit Repair Software, and Credit Repair Cloud. These companies typically charge you an upfront fee plus a monthly fee while they remove items from your credit report.

Related: Best Credit Repair Companies

However, you can fix your bad credit on your own with an easy to follow DIY Credit Repair Course that is affordable.

Do you have bad credit, no credit, or want to learn how to become a credit expert?

Signup for the #1 DIY Credit Repair Course

The Credit Repair Course includes:

  • How to find your credit report and your ACTUAL Credit Score
  • A breakdown of how your credit score is calculated
  • How to increase your credit score in each category
  • The best tools to increase your credit score fast
  • How to dispute negative items from your credit report
  • Credit dispute letter templates and when to send them
  • The best credit cards for your credit score
  • How to use credit cards to leverage your money and business
  • How to use credit cards to get free travel, bonuses and rewards

Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!

Fix Your Credit With The Credit Repair Blueprint


Have a look at the reviews of the best credit repair & fixing companies of 2022:

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