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04-02-2013, 02:13 PM | Topic Starter |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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How does one get credit?
Yall know the story about me... I am going to be a bit vague here..
#1 100% Debt Free #2 Low 6 figure savings #3 Mid 6 Figure retirement (401k) #4 No Credit Card debt #5 DTI (Debt to income ratio =0) #Paid 30 yr mortgage off in 5.5 years #Bought car on 4 year financing in 2005 paid off in 2 years #Bought Car with 4 year financing in 2002 also paid off in 2 years # Have 1 bank credit card (Visa) Pay off in full every month Income per year is High 5 figures to low 6 figures per year No bankruptcies or late payments ever on any thing I ever bought since the early 90's. I am not interested in buying anything or looking to buy anything but why is my credit score in the mid 600's and how do I get it to go up? I am fully prepared for a bunch of stupid comments that I am just going to filter through to get to the legitimate ones so fire away... I know there are a bunch of people on this forum that make good money and are pretty smart except for their choice in a football team so give me some pointers. Being Debt free is wonderful but if I ever choose to go buy someting like a stupid cell phone on a contract (which I haven't) I am going to be super pissed having that kind of coin and getting turned down... Fire away |
Posts: 23,166
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