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Old 04-02-2013, 02:13 PM  
3rd&48ers 3rd&48ers is offline
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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
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Old 04-02-2013, 04:36 PM   #106
KCGal KCGal is offline
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Quote:
Originally Posted by cosmo20002 View Post
Some people just may not have a few hundred thousand in cash to pay for a home. Credit can come in handy.
I was referring to credit cards not mortgages.

So sorry I caused offense. Just sharing a change in my thinking that led to a simpler less stressful life which doesn't include worrying about my FICO score.
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Old 04-02-2013, 04:36 PM   #107
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by Peyton's Princess View Post
then you are lying to us about something
No I am not, I think transunion is not reporting my credit card and have a mistake on my report...

Once you pay everything off and have no debts reporting, you will see a credit score drop regardless of how much money you have.

Thats why it is VITAL my limited reporting is being reported correctly.
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Old 04-02-2013, 04:42 PM   #108
Pawnmower Pawnmower is offline
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Quote:
Originally Posted by KCGal View Post
I was referring to credit cards not mortgages.

So sorry I caused offense. Just sharing a change in my thinking that led to a simpler less stressful life which doesn't include worrying about my FICO score.
this is a bullshit answer.and the opposite of your 1st statement..just like your 1st example...it would be the equivalent of not worrying about your health or watching what you eat or worrying about exercise.....etc

the bottom line is you can take simple preventative steps to ensure you maintain good health AND credit health which will be much more stress free in the long run than 'not worrying about it'

perhaps you should get out of the advice business
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Old 04-02-2013, 04:46 PM   #109
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Quote:
Originally Posted by R8ers View Post
No I am not, I think transunion is not reporting my credit card and have a mistake on my report...

Once you pay everything off and have no debts reporting, you will see a credit score drop regardless of how much money you have.

Thats why it is VITAL my limited reporting is being reported correctly.
Capital One will give ANYONE with either no credit (and no flaws) or a score in the mid 600s a REWARDS card with no yearly fee.

So will barclays...

so will a lot of other places

2 years ago I got two cash back $0 annual fee credit cards with a score of 640 due to a defaulted student loan that I rehabilitated and paid back in full 5 years back

now I'm in the low 700s...not great, but not bad for letting a loan default (one that I didn't even know about since I took it when I was 18 for beer money because I'm an idiot)
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Old 04-02-2013, 04:51 PM   #110
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by Peyton's Princess View Post
Capital One will give ANYONE with either no credit (and no flaws) or a score in the mid 600s a REWARDS card with no yearly fee.

So will barclays...

so will a lot of other places

2 years ago I got two cash back $0 annual fee credit cards with a score of 640 due to a defaulted student loan that I rehabilitated and paid back in full 5 years back

now I'm in the low 700s...not great, but not bad for letting a loan default (one that I didn't even know about since I took it when I was 18 for beer money because I'm an idiot)
I went to credit cards.com and I be damned if they offer one to me with my mid 600's that is being reported.

That don't matter at all to me though now if my score is actually in the 700's and is being mis reported... I will know exactly whats going on in a few days... I never apply for credit so I am not real good at it and could be doing shit wrong or something... Who knows...
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Old 04-02-2013, 05:25 PM   #111
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can't believe people took the bait on this obvious bragpost.

I don't want credit but am going to act like I might in order to take the opportunity to remind everyone how much of an awesome money manager I am.
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Old 04-02-2013, 05:30 PM   #112
Pestilence Pestilence is offline
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Dude.....I can't really stand R8ers....but even I knew that this was a legitimate question.
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Old 04-02-2013, 05:32 PM   #113
HMc HMc is offline
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Quote:
Originally Posted by Pestilence View Post
Dude.....I can't really stand R8ers....but even I knew that this was a legitimate question.
Can he not access google?
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Old 04-02-2013, 05:42 PM   #114
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by Pestilence View Post
Dude.....I can't really stand R8ers....but even I knew that this was a legitimate question.
Now why the hell can't you stand me? What have I ever did to you? Talk shit about your football team?

Cmon man, that's no reason
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Old 04-02-2013, 05:44 PM   #115
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by HMc View Post
Can he not access google?
No I can't... Can you access a Bag O Dicks? Extra Large?
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Old 04-02-2013, 05:56 PM   #116
Hog Farmer Hog Farmer is offline
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Quote:
Originally Posted by R8ers View Post
No I can't... Can you access a Bag O Dicks? Extra Large?

I can. How many you want ?
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Old 04-02-2013, 07:28 PM   #117
houstonwhodat houstonwhodat is offline
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Quote:
Originally Posted by KC Tattoo View Post
Credit report is a fraud. In order to get credit you have to create dept to pay off in time. When you have everything paid off and don't generate more credit debt then you just stay the same. It's ****ing dumb. Kids out of high school have to earn credit to start out in life and that meens they have to create debt to have credit. This is how I see it.
Biggest scam in history.

You can't credit unless you don't need it.

The OP sounds like he doesn't need it.

**** it leave it the way it is.

Get an Amex with no limit for emergencies and you are golden.
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Old 04-02-2013, 07:31 PM   #118
SLAG SLAG is offline
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Quote:
Originally Posted by houstonwhodat View Post
Biggest scam in history.

You can't credit unless you don't need it.

The OP sounds like he doesn't need it.

**** it leave it the way it is.

Get an Amex with no limit for emergencies and you are golden.
Why not save for Emergencies and quit playing the Bank's game

I know its hard for people to live within their means -but at some point you'll get sick of money coming in with all of it going to the bank..
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Old 04-02-2013, 07:55 PM   #119
scho63 scho63 is offline
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Quote:
Originally Posted by R8ers View Post
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
You don't really have a CREDIT history, you have a savings and investment history. (Which is excellent!)
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Old 04-02-2013, 08:08 PM   #120
TribalElder TribalElder is offline
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Your shit is paid for and you have 6 figures in savings but your looking for a credit line? Why?
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