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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, 08:11 PM   #121
PGM PGM is online now
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Old 04-02-2013, 08:11 PM   #122
houstonwhodat houstonwhodat is offline
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Quote:
Originally Posted by SLAG View Post
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..

I say it's OK to get a credit card with a very high limit for emergencies for when you are traveling and stuff.

Just don't have a balance.

Keep paying everything in cash.

**** these banks, they don't care about you.

You're just a revenue stream to them.
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Old 04-02-2013, 08:18 PM   #123
Jewish Rabbi Jewish Rabbi is offline
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Quote:
Originally Posted by houstonwhodat View Post
I say it's OK to get a credit card with a very high limit for emergencies for when you are traveling and stuff.

Just don't have a balance.

Keep paying everything in cash.

**** these banks, they don't care about you.

You're just a revenue stream to them.
I don't pay for anything in cash unless I have to. Get at least 2% back on everything (5% on most), never paid a cent in credit card interest.
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Old 04-02-2013, 08:34 PM   #124
lewdog lewdog is offline
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Quote:
Originally Posted by Jewish Rabbi View Post
I don't pay for anything in cash unless I have to. Get at least 2% back on everything (5% on most), never paid a cent in credit card interest.
This and all of this.

I have over 10k in available credit but have never acquired interest as I pay it off every month and I use my CC for every purchase I make.

My credit score is 779 and I have never taken out a car loan and don't have a mortgage yet but I had a credit card at age 15 to build credit history thanks to my parents suggestion.

I don't see why you care though R8ers if you aren't looking for available credit and already own your house?
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Old 04-02-2013, 08:46 PM   #125
cosmo20002 cosmo20002 is online now
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Quote:
Originally Posted by Jewish Rabbi View Post
I don't pay for anything in cash unless I have to. Get at least 2% back on everything (5% on most), never paid a cent in credit card interest.
Link? What card is that?
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Old 04-02-2013, 08:55 PM   #126
Jewish Rabbi Jewish Rabbi is offline
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Originally Posted by cosmo20002 View Post
Link? What card is that?
I use the Priceline Rewards Visa, there's also a Fidelity Amex out there.
https://www.pricelinerewardsvisa.com/

Use PenFed Cash rewards for 5% on gas.
US Bank Cash+ gives me 5% on bill pay (which they're doing away with) and restaurants.
Amex Blue Cash Preferred 6% on groceries.
And Chase Freedom and Discover More have rotating quarterly 5% categories.
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Old 04-02-2013, 09:26 PM   #127
ChiTown ChiTown is offline
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Why the **** are you asking these questions on a Chiefs MSG board?

I agree with HMc on this one. This is about you flaunting your money, as it were. Your posting habits suggest this to be true. I do, however, Applaud you for being responsible and capable of putting money aside for your retirement. I just think you take interesting and repeated attempts to strut your finances in front of people.
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Old 04-03-2013, 03:06 AM   #128
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by TribalElder View Post
Your shit is paid for and you have 6 figures in savings but your looking for a credit line? Why?

May want to buy another house one day or when me and the wife ages we may want to sell this house and buy a condo without yard work and stuff without having to pay cash for it as well as having a little tax shelter
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Old 04-03-2013, 03:12 AM   #129
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by ChiTown View Post
Why the **** are you asking these questions on a Chiefs MSG board?

I agree with HMc on this one. This is about you flaunting your money, as it were. Your posting habits suggest this to be true. I do, however, Applaud you for being responsible and capable of putting money aside for your retirement. I just think you take interesting and repeated attempts to strut your finances in front of people.
You are most certainly entitled to think the way you want but you are wrong here.
When I started this thread I could not figure for the life of me why I should have a middle 600 credit score and after reading some responses and some talking about their credit score I ordered my credit report and score from transunion because I am sure that they are not reporting my 11 year old credit card and pulling my score down...

How much money I have or you have is not important actually but I never discuss my money with real life friends, it's better to talk to those who don't know you
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Old 04-03-2013, 06:23 AM   #130
Deberg_1990 Deberg_1990 is offline
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Quote:
Originally Posted by R8ers View Post
You are most certainly entitled to think the way you want but you are wrong here.
When I started this thread I could not figure for the life of me why I should have a middle 600 credit score and after reading some responses and some talking about their credit score I ordered my credit report and score from transunion because I am sure that they are not reporting my 11 year old credit card and pulling my score down...

How much money I have or you have is not important actually but I never discuss my money with real life friends, it's better to talk to those who don't know you
If it wasnt about you "puffing your chest" a little bit, you wouldnt have posted this:


#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
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Old 04-03-2013, 11:09 AM   #131
3rd&48ers 3rd&48ers is offline
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Ok I may have more money than those who are crying about it... Who cares..

I probably don't deserve it and I should share it with all the needy poor liberals of the world right?
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Old 04-03-2013, 11:27 AM   #132
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Quote:
Originally Posted by Deberg_1990 View Post
If it wasnt about you "puffing your chest" a little bit, you wouldnt have posted this:


#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
If I were THIS financially responsible, I'd brag, too.
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Old 04-03-2013, 11:43 AM   #133
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by Dave View Post
If I were THIS financially responsible, I'd brag, too.
I have done nothing that the normal blue collar working joe can't do if he is disciplined with his money. It's not like I was given anything.

I am not special, never claimed to be just disciplined when it comes to money...

I wish I were this disciplined in the way I eat and the way I take care of myself.

Plenty of people on this forum have higher paying jobs and have alot more money than I do, I am not envious of them.. I like to hear success stories. It also gives me ideas to improve my situation, I have evolved a bit, I use to think ALL credit was bad but now I do not feel that way when you use it as a tool to make more money.

There are people in this world no matter what you do will try to tear you down... Those people are no good for you in your life.
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Old 04-03-2013, 11:49 AM   #134
Mr. Laz Mr. Laz is offline
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get a credit card and use it all the time ... use it even when you don't need to

pay off any big balance immediately to save you money but you might want to pay the minimum and carry over the balance on some small amounts every so often.
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Old 04-03-2013, 11:51 AM   #135
ChiTown ChiTown is offline
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Quote:
Originally Posted by R8ers View Post
Ok I may have more money than those who are crying about it... Who cares..

I probably don't deserve it and I should share it with all the needy poor liberals of the world right?
or not?
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