Yea this would be perfect. I really like working and don't mind it but just not as many hours. I've got a long way to go though so at least the good news is a like what I do.

Then you'll never work a day in your life. Congrats.

Oh **** no, I don't like it that much!

ROFL

Heh. Then get get to where you can contract and take a month or two off between projects and teach your liver a lesson it won't forget :shrug:

4 years after start of thread

http://thumbnails101.imagebam.com/54...6541601837.jpg

Photoshopped. PM me your SSN, DOB, and full name for verification.

Yeah, see, it'seasy. You just have to participate in their stupid little game.

Lulz. This is still relevant 4 years later too

Thats it

851 on mine

This is what worked... I have a 20k limit on 1 an 8-9 k limit on 2 and 4500 on bank of south America who refuses to raise my limit because they say I never use the card

I only have credit cards to use for my score

You checked your credit score on your phone? How old are you 16? :rolleyes:

Credit card apps Noob

Sorry no apps for me. Ask any programmer, they will tell you apps feed your life to the developer and the developer will sell it. It's a cruel world out there.

Haven't checked my credit score in a while, but I assume it's ok. Your advice a few years ago encouraged me to pay off my house and now I have no debt and put away over 35 grand into my savings account in the last year with no house or car payment. The Raiders still suck, but cheers for the good advice. :)

That's freaking great, I got so much shit on this forum from people because I chose to do it a different way than most... Keep going , you will have 100k banked before you know it.

If you have cash you never have to worry about credit, I use credit cards for everything and don't have to use much money to get stuff at amazon because of the points. I pay my credit card off every week

I am happy for you, feels good not to give the bank that interest every month, when I bought my house I had like 100k or so in the bank and made half the house payment with the interest on that money (early 2ks) but after the crash and interest on my money came to near zero I decided to not pay the bank all that money and paid it off with only about 10k left, I was nervous as hell but since then I have went over 150k in cash and 300k in my 401k with everything paid off.

Do you get a pension too, or are you on your own when you retire?

I do the same thing with my Amazon card. It's great. Bought some Jordans and after I redeemed my points I ended up paying like $30 for them. Visa probably hates people like me because I pay off my balance in full every month via autopay.

I will get a small pension from Fedex....and I have about 300k in my 401k and about to be 51

Wut?
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Well, "law" has nothing to do with it. It's the contract. Most consumer loans -- loans not given to businesses -- do not have prepayment penalties. Mortgages, for example, do not.

Business loans, however, often do.

Nice!

And ignore my last post, responding to an ancient post. :LOL:

That's pretty sweet. I had a good amount of money in the bank and the housing prices had dropped over 60 percent, so I paid cash for a house that had been foreclosed on. The previous owner completely redid the entire interior of the house so I had very little work to do on it. Freeing myself up from that mortgage payment allowed me to pay off my other debts, including my car payment within a a year, and then I was able to really start saving some money.

You will never regret paying off that house, The only possible way you could screw up is want for a bigger house and go into debt... Resist the urge.

i have a work buddy, we have been working together for 30 years between 2 jobs ... He is the kind of guy that still lives paycheck to paycheck, I have tried to help him but I think his wife thinks she is a Princess...

They have lost 2 homes to foreclosure and an Expedition with an 800 dollar a month payment that I know of... He had his wages garnished because he used to claim about 5 more dependents than he had (when you could do that). Then he would cuss every year because he had to pay taxes. His mother and father in law passed in the past couple of years and left them some money, He just bought a house at 53 with a 1100 dollar a month mortgage and I think he will lose that too, I hope not but I know him.
His wife is a stay home wife with no minor kids and she spends her days shopping and eating at the cheesecake factory or the likes .

They got a 14k insurance settlement and spent the money on 4 wheelers that they had to sell a year later for 20% of what they paid for them because they tore them all to hell.

I remember back in the 90's he would sell me one of his guns for money he needed then take the next 2 days off work.
It drives me nuts but I keep my mouth shut because its none of my business.

I'm not really into buying bigger and better. My ex-wife liked to do that shit, but have found that I would rather spend money on things like travel and I don't need to accumulate stuff. The guys I work with keep telling me to buy a new car, but my Civic runs perfect and I've never seen a car as anything more than a tool to get me from point A to point B. After I paid everything off I began upping my 401K contributions because I don't have many tax deductions now. I think the best part about being debt free is not having to worry about my employer cutting back like they did a few years ago. Even if they decide to lay me off, I could go be a barista at Starbucks and easily be able to afford taxes and insurance on the house.

For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669

So what good is it doing you ?

nothing... But I get a shitload of points to buy shit on amazon :D

I see. I thought maybe you were smart or something and using it to build an empire.My bad. I'm sure you have an Xbox though.

If you don't ever plan to buy anything using credit, why do you give a shit what your credit score is. Do you just like to come to CP and brag to a bunch of people who couldn't give less of a shit what your credit score is?

Elite credit. You've gotten there! :clap: Now what? It DOES serve a purpose. Do you know what that is, or is this just where they told you that you needed to get too? People use their credit to amass wealth. Do you know how? Find out, or, umm, congrats on the nifty credit score and all! It'll get you GREAT interest rates that you'll never use! ROFL

That's awesome dude, have time to tell us again?

I buy a $5K or larger CD and then borrow against it. I then take the funds from that and put it in my account and set up automatic payments for the term of the loan (1Year). You can do this multiple times as I did starting out.

HAVING A BANK LOAN (or 3-4) HELPS A LOT BUT HAVING A BANK LOAN THAT WAS FULFILLED EVERY YEAR DOES WONDERS!!!!

Yes I do https://uploads.tapatalk-cdn.com/201...b39f3a9cad.jpg

That is interesting.. I would have thought paying them off in full each month would have hurt your credit score.

Did you cards raise your limits, by the way?

Yeah I have three cards with a total of about $35,000 credit limit

CONGRATS ON HAVING A PLAN AND EXECUTING IT TO PERFECTION! :clap:

I HOPE THAT YOUR CREDIT CARDS HAVE AIRLINE MILEAGE AND HOTEL REWARDS ATTACHED TO THEM AS OPPOSED TO SIMPLE CARDS. IF NOT YOU SHOULD LOOK INTO A SWAP FOR AT LEAST ONE.

There may be a point in your life where you want to open a business before or after retirement, may decide to buy a second home, or want an extravagant purchase that your great credit will come in handy.

You should have a great financial planner who has estate knowledge as well.

Absolutely not!

What hurts a credit score is utilizing more than 70-80% of your available credit each month. People think charging to the limit and paying off is best and it is NOT. Charge about 60% on various cards and pay off each month and your credit score will skyrocket.

Maxing out your credit limit on cards or home equity is NOT good.

You're still a choad for arguing with me years ago that exactly what you're currently doing was a bad idea.

I'm not going to read through all the responses to see if anyone has mentioned this, so sorry if this is duplicate info. I used to be a commercial and residential mortgage underwriter, so I dealt with credit extensively.

Credit cards report to the 3 credit bureaus (Trans Union, Equifax, & Experian) once a month minimum. It doesn't matter to them if you pay your card off every month, it only matters what your revolving credit-to-credit-limit ratio is on the day your info is reported. ****ed up, but that's how it is. In other words even if you pay your revolving balance(s) in full each month, if your cc balance on the day your cc company reports to the bureaus is $3K, and your cc limit is $4K, to the credit bureaus you're utilizing 75% of your available credit. That will smash your score, you need to always keep your revolving credit utilization ratio under 30% if you want a score over 750. It will definitely knock someone like you (who should be somewhere between 775-800+ if the info you laid out is accurate) down to the mid-600s. Even if you pay it off in full at the end of the month, to the credit bureaus, it only matters what your balance/credit limit is on the day your card reports to them.

You need to increase the credit limit on the card you have or open an additional card(s), whether you plan to use the additional credit or not. I always keep my credit limits as high as possible for precisely this reason, even though I never use the credit. To verify this is what is hurting your score, pay your cc balance in full, then don't use the card again for at least a month-and-a-half. Then check your score, it should improve dramatically.

I never heard that it was that low. I know someone at Experian and they say anything under 60-70% is fine.

Another year has passed, 5 years since I started this quest and not much has changed... Don't think I will ever be able to achieve the perfect 850 score have about 50k of available credit on the cards, use less than 1% of my available credit and still have no debt... Think I have peaked and doubt it will go any higher....

so let me have it you 500 credit score trolls
https://i.imgur.com/76LNCgT.png

I sit with same score as you.

But I froze our credit last year (thanks data breach!) and won't be taking a loan out for anything in the near future hopefully.

you were in the same boat as I was a few years back weren't you?

No mines anyways been high. My wife’s wasn’t 5 years ago. She sits near 800 now though too.

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0% financing a new car today.

My credit score is 833.

Why not take a no interest loan?! **** you R8ers Ramsey!!!

We recently bought a car 2.92, 0% was an option, but the $1700 rebate was the better deal.

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I had an 825 until I refinanced my house recently. Somehow that dropped my score 22 ****ING POINTS.

:cuss:

Eh, anything over like 780 is basically the same. Try not to worry about random fluctuations.

Nice rebate!

You buy from Hometeam?

Nah actually drove about an hour because I found a dealer who would deal via email and not try to screw around. It was a GM rebate.

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That’s temporary. Any hard inquiry will drop your credit score, but half of that impact will be gone in a month and then be totally gone in 3-4.