Quote:
Originally Posted by TheSenator
The best way is to be credit free.
I am on a five year plan to be credit free except for my mortgage. After paying off my creditors I will pay off my mortgage with the money I have been paying my creditors.
I don't want to have any debt.
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Nice in theory. Not good for purchasing.
I WAS debt free until I went to get a mortgage, and they told me I needed to go get some credit. Cards, and car loans. I had my car paid off for two years. I had been using only my debit card, no credit cards.
So you actually have to go into debt, or more accurately, show you can HANDLE credit effectively if you are planning to win the credit game.
