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Just checked and my score is 709.
I also bought a house a month ago. The mortage is still not in my credit report. I don't know if this will help or not my score. Anyone know? |
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I think I'm around 212.. is that good?
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748 with Equifax, 724 with Experian and 710 with Transunion.
Major issues that bring mine down a bit. I have no mortgage or car payments so there's no installment loans that are current. I have a line of credit that's large and mostly unused. I don't use alot of credit cards at all. I live by my debit card. |
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Cash is leverage. Credit is for suckers. It's a zero sum gain, the only one who gains are the banks. |
:1orglaugh everyones credit is like their cock size
way over exaggerated, after looking at 10's of 1000's of reports, brokering mortgages for 10 years, its funny how good people think their credit is |
pay you fucking bills on time i recently had a big drop because of a late payment i could have avoided
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Credit is for suckers? Is that why I live in a 2 mil house with a fuckin' pool, spa, pond, gated private community overlooking the fucking ocean, 2 brand new vehicles, a brand new jetski in my garage, and enough liquid cash to buy any fucking thing I want.... and you..... well who fuckin' knows what fleabag shit hole you live in Rich. |
Mine is only 697, but I'm working on it. :)
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funny thing when my credit score took a dive, one credit card company lowered my limit from like 32k to 22k
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bdjuf = equifax.com or .ca I believe. Not the same thing from my understanding.
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That's great Amp! Did you buy the house or are you renting? I remember a short while ago you had some personal issues.. I'm glad they have worked out for you! |
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lol, you know me too well. Nice Durango you had there, I'll probably buy something like that for my daughter when she turns 16. I'm glad you think living above your means on credit is a good thing, have fun with it. It's nice to have nice things, it sucks that you can't afford to pay for them. You'll never get ahead in life doing that. If you never pay interest on anything other than at worst your mortgages, it's like making more money. Interest is a sucker's game, yes. It's for people who don't have the discipline to save money and live within their means. Didn't your parents teach you anything? |
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The bank owns it. |
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lev·er·age n. 3. The use of credit or borrowed funds to improve one's speculative capacity and increase the rate of return from an investment, as in buying securities on margin. tr.v., -aged, -ag·ing, -ag·es. 2. To supplement (money, for example) with leverage. |
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in the last year and a half you have turned things around for yourself! |
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When I bought my current home last month, 770.
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the bank owned my first house too Rich..... but when I sold it, after a year and 7 months, I walked away with $385k.... the bank can "own" whatever they want..... as long as I make money on it. :) god you are a fucking idiot. |
720 and climbing :)
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Maybe it's time to display the "God, just shut the fuck up Rich" image (Don't remember the exact words) that you used for lil2rich4u2. |
Hey Amputate your Head, not relevant to your thread, but are you available to do paysite designs at the moment? I saw a really nice site with your logo on it the other day and was wanting to know if your available?
My icq is 5 2 1 1 0 2 8 3 thanks, |
Amputate. Can ya hit me up on ICQ when you have a sec. 222-549-540 Thanks man.
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The loan approval guy I know says I stress out WAY to much. I just talked to him about you being able to walk in and grab a car. He said I should be able to do the same thing after a few years of responsible credit is under my belt. But before then I CAN obtain the same outcome. I will just have to jump through hoops, like explaining what I do, comment on my responsibity over the last 4 to 5 years and that I have paid IN FULL all of my past obligations. He also said that I should mention this to everyone, "PAY IN FULL!" (not a settlement) because when you settle, it is only slightly better than having not paid at all. When you pay in full you show the underwriter that you will not ultimately claim bankruptsy. |
Rich, you have a point to some extent... If you want to buy a 4 plex to rent and don't have the money, you can get 'credit'. Then you can turn it and sell it for 30% profit, using that as a down on one you plan to keep and actually rent. If you USE credit to YOUR advantage then it can be a wonderful thing.
I bought a used Jeep Cherokee. Why used? Because I don't feel like paying $26,000 for a new one that will be worth 1/2 that in 2 years. I bought it on credit. And like Amp, I played THEIR game for about 8 months. Minimum payments. Then I called and asked what I owed if I paid in cash today and then went down and gave them the remainder. Doing it this way showes that I can pay payments on time and also that I pay my shit back. Also it shows that I can come up with decently large sums of money. Which means they can give me a new one next time and not worry. I wouldn't buy a TV on credit. Unless I wanted a higher limit on my card. Then I would and I would (and have) paid it off right away. I have zero balances on my credit cards unless I use them to buy shit and pay them off when I get home via online payments. A lot of people could learn a lot from what Amp has written. A lot of people can get the wrong impression of credit reading what you are writing, Rich. |
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the optimum is to have 2 cc cards with high credit limits and PAY THEM ON TIME. one of the credit cards should be NO MORE than half the limit the other at a 1/3 of the limit - getting shit removed is the way to go - going to the company or collection agency and requesting it be taken off is the way to go. be nice and kiss some ass, this helps but be persistant because no matter what they say trivial shit under a few grand can be taken off but the heavy stuff like bankrupcy cant. my rating more than a year ago was 790 - and i aint even close to being a rich guy - just kept asking for more limits on my Credit card evey yr |
Nice, thanks Jonesy
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credit scores only go up to 800. how did you get an 807? |
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850 is the highest :thumbsup
Great thread, just checked and one of my credit cards offers the same service for free. Now I can keep up with it. I'm getting ready to sell one of my houses, does anyone know if this will affect my FICO score positively or negatively or will it have no effect. We currently have 2 homes the oldest one (the one we're selling) I've had for 9 years the other for 3. |
I know that i'm late but I didn't get a chance to respond last week.
I'm @ a 615 now and judging from this thread my score is very low. How can I increase my score? I have rent. A school loan that has 1300 left on it. Two credit cards, one of which I just paid off. Insurance and a car payment. Normal bills like cable modem, electricity, water, etc. That is it as far as bills. Should I request another credit card with a larger limit or should I just wait and let it build over time (im 23)? Any suggestions are appreciated. |
bump for AMP's last sensible thread
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http://myexgf.com/cs.jpg
And that's with a house and a new car in the last year. :pimp |
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as time goes on it will go up. establsih a good credit history by making payments on time. best advice pay cc bills, car loan, school loans ect ON TIME - get your existing credit card limits raised on both as much as you can - do not pay them off completly, keep one 50% at limit or below the other at a 1/3 of limit or below, yes this is fucked but paying on time over a long period of time is what they wanna see. when they see payoffs it doesnt show stability in their opinion. lowers your score any collections defaults bankrupt - late making payments - this affects your score big time credit cards close to the limit of the card do not get a third credit card - too many makes you look over extended ------------------------------ rent normal bills like cable modem, electricity, water, car insurance etc. dont matter |
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you gotta get your other scores from equfax and experian and throw them in the mix the middle score is usually what creditors go by nice score by the way :thumbsup |
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edit: Transunion was my lowest before. Euqifax and Experian are always my 2 highest, but I know that a lot of people have problems with Experian. I just checked Transunion, as you are given 1 free report a year from any of the 3 credit agencies. |
Well I definately have something I need some advice on.
Several years ago I signed for a ford explorer suv with my now ex girlfriend. I had better credit or something so she just co-signed. We later broke up on no so good terms, she took the truck, never paid insurance, got drunk, drove it through some store, the store was brick and the truck was totalled. She went to jail for quite some time because she injured her friend(her friend was above 21 though which is weird and my ex wasnt). Anyways, now I have a $12,000+ collection on my report so I don't know what to do. And, the bad thing is that the truck wasn't worth anywhere near that, more like $6,000 but I was younger and had no credit and got stuck with some crazy 100% interest or whatever it was. :helpme |
great bump there!
but I don't entertain 3 month old threads. :) |
Sounds like you have a very nice grip on things AMP.
:thumbsup Great post. BTW, if you don't mind me asking, are you still primarily in the design business or are you running sites now? :pimp |
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16... I am doing kick ass
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I've receieved several calls from their collection agencies to settle for low but I haven't. The whole situation just pisses me off. At least she sat in jail for almost a year now with probation violations and a felony. |
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