Quote:
Originally Posted by p1mpdogg
i have an incentive to have good credit so i can borrow against it for projects and still be liquid.
there are smart ways to use cards and very dumb ways. I dont mind having balances, I always pay well above the minimum due. Just a personal preference i guess
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Good answer, I was just buggin ya anyway.
I got screwed over while in college on a credit purchase. Made a huge blackspot on my credit report despite my fighting it and winning. It's a long story.
Anyway, the only resort I had was to get a credit rebuilding card and start at the bottom.. and using it, and having a balance, and paying it and using it and so on for a long time was the only way to get myself back to a point where anyone would give me anything.
At the time, I couldn't even get a cell phone because that black spot hurt so bad. But now I own a car, a house and more.