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Old 04-02-2013, 03:13 PM   Topic Starter
R8RFAN R8RFAN is offline
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Join Date: Sep 2001
Location: North Carolina
Casino cash: $13194
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: 19,462
R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.R8RFAN has enough rep power to blowy ou to bits.
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