Quote:
Originally posted by BRISK
Here's a question:
Does the good stuff that you do with the credit that you have show on your credit report/score?
For example: If I've had a credit card for 10 years and always paid it off on time. Does that somehow get shown on my credit report? or do credit reports only show bad stuff?
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Definitely. That's how they determine people with good credit from bad credit. And if you have a history like that, they're more likely to increase your limit if you want it increased.
I hate debt, and interest that comes with it, so I always get it paid off. My limit is rather small. I'm responsible (been using credit card since I was a teen), but even I could splurge if I increased my limit too far. So I don't.