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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 04-12-2013, 11:57 AM   #166
3rd&48ers 3rd&48ers is offline
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Welp.. Weird as it sounds I got a Discover It card and a Bank Of America rewards card and my Transunion score went from 669 to 718 almost overnight and my Experian and the other one has jumped to mid 800's WTF

I haven't even used the BOA card and bought some Gun Mags online with her Discover...


I thought it would take alot longer
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Old 04-12-2013, 11:58 AM   #167
Dayze Dayze is offline
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Quote:
Originally Posted by R8ers View Post
Welp.. Weird as it sounds I got a Discover It card and a Bank Of America rewards card and my Transunion score went from 669 to 718 almost overnight and my Experian and the other one has jumped to mid 800's WTF

I haven't even used the BOA card and bought some Gun Mags online with her Discover...


I thought it would take alot longer
riiiiiight. "GUN MAgs".....
you're not fooling anyone.
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Old 04-12-2013, 12:22 PM   #168
3rd&48ers 3rd&48ers is offline
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Originally Posted by Dayze View Post
riiiiiight. "GUN MAgs".....
you're not fooling anyone.
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3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.3rd&48ers has enough rep power to blowy ou to bits.
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Old 04-12-2013, 12:44 PM   #169
Pawnmower Pawnmower is online now
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Quote:
Originally Posted by R8ers View Post

I haven't even used the BOA card and bought some Gun Mags online
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Old 04-12-2013, 12:46 PM   #170
GloryDayz GloryDayz is online now
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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
Stay single!
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Old 04-12-2013, 01:56 PM   #171
3rd&48ers 3rd&48ers is offline
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Originally Posted by Pawnmower View Post
Thats ****ed up man
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Old 06-20-2013, 03:24 PM   #172
3rd&48ers 3rd&48ers is offline
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Ok I am bringing this back to life hopefully to help someone else trying to get their credit up... In a little over 2.5 months I got 3 credit cards

Bank of America Rewards 1500 limit
Discover It 4000 limit
and Chase/ Amazon Visa 4000 limit

First month my credit score actually went down because I put all my gas, groceries and eating out on the BOA card and actually had 1522.00 bucks on it after a month for a 101% utilization.. This is not good even though I paid it off in full on time.. You should not max out a CC even if you pay it off as it will hurt your score... I found a way around this..
Make multiple payments per month to keep the balance low and it improves your score..

Bank of America pays 3% back on gas, 2% on groceries and 1% for everything else (I use this one now for nothing but gas)
Chase pays 2% back on groceries and restaurants and 1% on everything else(I use this one for groceries)
Discover it Pays 5% on rotating categories (until 07/1 it pays 5% on home improvements after July 1 it will pay 5% on Gas)

It's working out good Credit Karma is reporting my score is now 81% higher than the rest of the users of the site...

Hope this helps someone who does not know this info.
Posts: 19,196
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Old 06-20-2013, 05:17 PM   #173
lewdog lewdog is offline
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Quote:
Originally Posted by R8ers View Post
Ok I am bringing this back to life hopefully to help someone else trying to get their credit up... In a little over 2.5 months I got 3 credit cards

Bank of America Rewards 1500 limit
Discover It 4000 limit
and Chase/ Amazon Visa 4000 limit

First month my credit score actually went down because I put all my gas, groceries and eating out on the BOA card and actually had 1522.00 bucks on it after a month for a 101% utilization.. This is not good even though I paid it off in full on time.. You should not max out a CC even if you pay it off as it will hurt your score... I found a way around this..
Make multiple payments per month to keep the balance low and it improves your score..

Bank of America pays 3% back on gas, 2% on groceries and 1% for everything else (I use this one now for nothing but gas)
Chase pays 2% back on groceries and restaurants and 1% on everything else(I use this one for groceries)
Discover it Pays 5% on rotating categories (until 07/1 it pays 5% on home improvements after July 1 it will pay 5% on Gas)

It's working out good Credit Karma is reporting my score is now 81% higher than the rest of the users of the site...

Hope this helps someone who does not know this info.
Theoretically they don't want to see you put more than 50% the max limit on any credit card. You can offset this by paying off the balance on that card early in the month, as most card balances don't get reported until the end of the month. That is the trick around that scenario if you do end up charging quite a bit of that card limit.
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Old 12-13-2013, 04:36 PM   #174
3rd&48ers 3rd&48ers is offline
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Ok after 8 Months here is how it went..

Applied Got a Bank Of America card 1500 limit
Amazon Visa 4K limit
Discover it Card 4250 limit

Paid off twice/3 times a month in full on all cards

After 8 months, FICO Score is 756
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Old 12-13-2013, 05:10 PM   #175
BigBeauford BigBeauford is offline
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Was expecting on an ending of you going into debilitating credit card debt. OP did not deliver.
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BigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby PiscitelliBigBeauford 's adopt a chief was Sabby Piscitelli
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Old 12-13-2013, 05:18 PM   #176
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by BigBeauford View Post
Was expecting on an ending of you going into debilitating credit card debt. OP did not deliver.
No but I do find I spend more money with credit cards than I ever did with cash in my pocket
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Old 12-13-2013, 05:24 PM   #177
TribalElder TribalElder is online now
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Quote:
Originally Posted by 3rd&48ers 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
I guess I never did ask.... do you ball crack rock or something?

what is your secret bro?
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All us Mizzou fans knows how this ends
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Originally Posted by TomBarndtsTwin View Post
reading your post throughout this thread is like observing a maniacal Bi-Polar person that can't seem to make up their mind about what they really want
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Originally Posted by Tacoman View Post
Being the resident Tacoman, I feel obligated to point out that TribalElder knows what's up.
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Old 12-13-2013, 05:24 PM   #178
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by TribalElder View Post
I guess I never did ask.... do you ball crack rock or something?

what is your secret bro?
Spend less than you make is my only secret
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Old 12-13-2013, 05:36 PM   #179
TribalElder TribalElder is online now
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Quote:
Originally Posted by 3rd&48ers View Post
Spend less than you make is my only secret
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All us Mizzou fans knows how this ends
Quote:
Originally Posted by TomBarndtsTwin View Post
reading your post throughout this thread is like observing a maniacal Bi-Polar person that can't seem to make up their mind about what they really want
Quote:
Originally Posted by Tacoman View Post
Being the resident Tacoman, I feel obligated to point out that TribalElder knows what's up.
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Old 12-13-2013, 05:39 PM   #180
Hog Farmer Hog Farmer is offline
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Originally Posted by 3rd&48ers View Post
No but I do find I spend more money with credit cards than I ever did with cash in my pocket
Then you will fail. Just like the Raiders. You should chop up all your credit cards right now and go back to your cash only way of living since you've confirmed you're not mature enough to own a credit card. You can save enough to buy you a house before you die . Unless you die before you're 80.
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