Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Ed & Dave Lounge

Reply
 
Thread Tools Display Modes
Old 04-02-2013, 02:13 PM  
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 
Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
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: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 11:52 AM   #136
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
Quote:
Originally Posted by Mr. Laz View Post
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.
I want to get a good decent rewards card that I can do that with when I finish this transunion credit report dispute
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 12:01 PM   #137
alnorth alnorth is offline
MVP
 
alnorth's Avatar
 

Join Date: Dec 2002
Location: Iowania
Casino cash: $6770
Honestly, I am mystified.

Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's.

I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it.

Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
__________________
<WarMoose> Think about how stupid the average person is. Now realize that half of them are dumber than that.
<Chunda> Why half?
Posts: 26,335
alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 04-03-2013, 12:06 PM   #138
alnorth alnorth is offline
MVP
 
alnorth's Avatar
 

Join Date: Dec 2002
Location: Iowania
Casino cash: $6770
Quote:
Originally Posted by HMc View Post
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.
I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.
__________________
<WarMoose> Think about how stupid the average person is. Now realize that half of them are dumber than that.
<Chunda> Why half?
Posts: 26,335
alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 04-03-2013, 12:08 PM   #139
KC Tattoo KC Tattoo is offline
SPOT THE PSYCHO
 
KC Tattoo's Avatar
 

Join Date: Jun 2007
Location: ks
Casino cash: $5710
Wait.

Misleading thread title from a raider fan.

Raiders don't need credit when they steal what they want.
Posts: 20,978
KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.KC Tattoo is obviously part of the inner Circle.
  Reply With Quote
Old 04-03-2013, 12:08 PM   #140
loochy loochy is online now
That's what she said.
 
loochy's Avatar
 

Join Date: Oct 2008
Location: TECKSIS
Casino cash: $6300
when you want credit

you get it

at bill geer
__________________
Please note that any racist, sexist, or otherwise outrageous opinions expressed in this post have been made for comedic or trolling purposes only and are not the actual opinions of loochy or any affiliated entities. Reader discretion is advised.

Quote:
Originally Posted by big nasty kcnut View Post
yeah i may be a retard but I'll be the one banging your girlfriend when you're out with your friends.
Posts: 18,290
loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.
  Reply With Quote
Old 04-03-2013, 12:11 PM   #141
alnorth alnorth is offline
MVP
 
alnorth's Avatar
 

Join Date: Dec 2002
Location: Iowania
Casino cash: $6770
Quote:
Originally Posted by KCGal View Post
Yep we are brainwashed into thinking we need a good FICO score. All that does is show the bank if you are a good little customer. Meaning you like to borrow money and you are pretty good at paying them when you tell you too.

The ultimate goal is to have a fico score of zero because that means you don't need to borrow money.
If you achieve this "ultimate goal", then you'll pay a lot more for auto and home insurance. Your credit impacts you financially even if you don't borrow money.
__________________
<WarMoose> Think about how stupid the average person is. Now realize that half of them are dumber than that.
<Chunda> Why half?
Posts: 26,335
alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 04-03-2013, 12:16 PM   #142
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
Quote:
Originally Posted by alnorth View Post
Honestly, I am mystified.

Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's.

I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it.

Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
Never a late payment anywhere.... CreditKarma is reporting that score and they say they get all of their info from Transunion but creditkarma does not even list the only credit card I have owned for 11+ years and it appears on the site I have made zero payments on anything since 2009 when I paid off the house ...
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score..

I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them.
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 12:19 PM   #143
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
Quote:
Originally Posted by alnorth View Post
I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.
And that's why I did it because I am stunned my credit can be so low when I never had a late payment on a car or anywhere since the mid 90's and always paid them off in half the time and paid the 30 yr mortgage off in 5.5 years.....
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 12:19 PM   #144
alnorth alnorth is offline
MVP
 
alnorth's Avatar
 

Join Date: Dec 2002
Location: Iowania
Casino cash: $6770
Quote:
Originally Posted by R8ers View Post
Never a late payment anywhere.... CreditKarma is reporting that score and they say they get all of their info from Transunion but creditkarma does not even list the only credit card I have owned for 11+ years and it appears on the site I have made zero payments on anything since 2009 when I paid off the house ...
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score..

I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them.
Ahh, if they basically see you as one of those stubborn "I don't need no stinkin' credit card, dammit, I pay everything with cash" old people, then that'll hammer your score.
__________________
<WarMoose> Think about how stupid the average person is. Now realize that half of them are dumber than that.
<Chunda> Why half?
Posts: 26,335
alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.alnorth 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 04-03-2013, 12:21 PM   #145
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
Quote:
Originally Posted by alnorth View Post
Ahh, if they basically see you as one of those stubborn "I don't need no stinkin' credit card, dammit, I pay everything with cash" old people, then that'll hammer your score.

Must be, shit is annoying though...
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 12:31 PM   #146
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
Ok after further review I just paid a dollar for my credit score from Experian and the results are


CreditKarma.com has me listed at 621

I also just found out the reason the credit card does not affect my score or is not listed... The name on the top is the wife...
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 05:47 PM   #147
3rd&48ers 3rd&48ers is offline
Molôn Labé
 
3rd&48ers's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $5582
The bank credit card revealed they only report to equifax.com and it IS in my name.

I applied for an "excellent credit" credit card and I got turned down but I then applied for a discover card and got approved.

Is Discover worth a shit for anything but scraping ice off the windshield?
Posts: 18,941
3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.3rd&48ers has an IQ even higher than Frankie's.
  Reply With Quote
Old 04-03-2013, 05:52 PM   #148
Pasta Giant Meatball Pasta Giant Meatball is online now
Hungry?
 
Pasta Giant Meatball's Avatar
 

Join Date: Oct 2005
Location: U.S.A.
Casino cash: $6440
I applaud Reighters and his financial decisions. Don't see why he got jumped on for this.
__________________
Quote:
Originally Posted by Count Zarth View Post
If this team goes 9-7 I'll eat a bug.
Posts: 31,226
Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.
  Reply With Quote
Old 04-03-2013, 05:58 PM   #149
ReynardMuldrake ReynardMuldrake is offline
2 Legit 2 Colquitt
 
ReynardMuldrake's Avatar
 

Join Date: Sep 2010
Casino cash: $5000
Quote:
Originally Posted by R8ers View Post
Ok after further review I just paid a dollar for my credit score from Experian and the results are


CreditKarma.com has me listed at 621

I also just found out the reason the credit card does not affect my score or is not listed... The name on the top is the wife...
You can also go to this site and look up your credit report. You can request a report once a year and it's free.
https://www.annualcreditreport.com
Also, you can get your credit score on here. You have to sign up for a trial, but it's easy to cancel through the website before they charge anything.
http://www.myfico.com/
I can vouch for both these sites, they are legit and free. You will want to look at your report to see if there are any inaccuracies and dispute that shit.
__________________

"Let’s be honest, the Big 12 is better than the SEC."
http://espn.go.com/blog/collegebaske...s-poy-ballot-3
Posts: 3,167
ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.ReynardMuldrake threw an interception on a screen pass.
  Reply With Quote
Old 04-03-2013, 06:04 PM   #150
Pasta Giant Meatball Pasta Giant Meatball is online now
Hungry?
 
Pasta Giant Meatball's Avatar
 

Join Date: Oct 2005
Location: U.S.A.
Casino cash: $6440
Too bad they don't include the value of a truckload of Carson fatheads in that...
__________________
Quote:
Originally Posted by Count Zarth View Post
If this team goes 9-7 I'll eat a bug.
Posts: 31,226
Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.Pasta Giant Meatball is obviously part of the inner Circle.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 06:17 PM.


Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.