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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 04-03-2013, 06:06 PM   #151
Jewish Rabbi Jewish Rabbi is offline
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Quote:
Originally Posted by R8ers View Post
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?
Meh, not really. What are you planning on charging on the card? That makes a difference for the best rewards you can get.

Also, the advice to carry a small balance is dumb. You won't gain a higher credit score from this.
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Old 04-03-2013, 06:26 PM   #152
3rd&48ers 3rd&48ers is offline
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Meh, not really. What are you planning on charging on the card? That makes a difference for the best rewards you can get.

Also, the advice to carry a small balance is dumb. You won't gain a higher credit score from this.
I just wanted to use it and pay it off a couple times a month to improve my credit score
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Old 04-03-2013, 06:27 PM   #153
3rd&48ers 3rd&48ers is offline
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Things I would buy anyway
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Old 04-03-2013, 06:39 PM   #154
Jewish Rabbi Jewish Rabbi is offline
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Originally Posted by R8ers View Post
I just wanted to use it and pay it off a couple times a month to improve my credit score
Get a PenFed Cash Rewards card. 5% off on all pay at the pump gas. Your account is automatically credited monthly so no need to worry about redeeming the rewards or anything.
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Old 04-03-2013, 06:41 PM   #155
3rd&48ers 3rd&48ers is offline
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Quote:
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Get a PenFed Cash Rewards card. 5% off on all pay at the pump gas. Your account is automatically credited monthly so no need to worry about redeeming the rewards or anything.
But would I qualify is the question
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Old 04-03-2013, 06:44 PM   #156
Jewish Rabbi Jewish Rabbi is offline
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Originally Posted by R8ers View Post
But would I qualify is the question
I would think so with a 738.
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Old 04-03-2013, 06:56 PM   #157
3rd&48ers 3rd&48ers is offline
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Quote:
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I would think so with a 738.
738 on that one but mid 600s on Transunion.. Guess it depends on who they use to ck credit
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Old 04-03-2013, 08:28 PM   #158
Jewish Rabbi Jewish Rabbi is offline
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738 on that one but mid 600s on Transunion.. Guess it depends on who they use to ck credit
They pulled Equifax for me.
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Old 04-03-2013, 08:54 PM   #159
demonhero demonhero is offline
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I have my car insurance payment and cell phone on 1 credit card. I have 4 credit cards total with rates 11.99 - 13.99. My score is 750-760 range depending on how high my phone bill is.
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Old 04-03-2013, 08:54 PM   #160
WhiteWhale WhiteWhale is online now
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Weird.

I have a credit score over 800 and all I really have is a house payment.

I JUST got a credit card in the past month. I tend to save money rather than going into debt... as I feel my house is enough debt. I have no idea why my rating is so high or why the OP's would be so low. Sounds like he's doing better than me.
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Old 04-03-2013, 08:56 PM   #161
Jewish Rabbi Jewish Rabbi is offline
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Originally Posted by demonhero View Post
I have my car insurance payment and cell phone on 1 credit card. I have 4 credit cards total with rates 11.99 - 13.99. My score is 750-760 range depending on how high my phone bill is.
Your phone bill should have nothing to do with it unless it is huge and you have very very low credit limits.
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Old 04-03-2013, 08:56 PM   #162
Saulbadguy Saulbadguy is offline
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Old 04-03-2013, 08:59 PM   #163
demonhero demonhero is offline
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Yep, got it set to to where my discover card that has a limit of just $2,500 takes all the charges. The other cards have $5,000 limits each and are emergency only.

Last edited by demonhero; 04-03-2013 at 10:08 PM.. Reason: clarify
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Old 04-03-2013, 09:22 PM   #164
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So $7500 total? If that'a truly all you charge it shouldn't make a bit of difference.
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Old 04-05-2013, 11:10 AM   #165
3rd&48ers 3rd&48ers is offline
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Well I qualified for the BankAmericard Cash Rewards™ Credit Card

Anybody know any dirt on these guys?
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