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Old 04-02-2013, 02:13 PM  
R8RFAN R8RFAN 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 09-19-2014, 08:14 PM   #241
lewdog lewdog is offline
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Originally Posted by vailpass View Post
Semi retirement is where it's at...
Yea this would be perfect. I really like working and don't mind it but just not as many hours. I've got a long way to go though so at least the good news is a like what I do.
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Old 09-19-2014, 09:19 PM   #242
vailpass vailpass is offline
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Originally Posted by lewdog View Post
Yea this would be perfect. I really like working and don't mind it but just not as many hours. I've got a long way to go though so at least the good news is a like what I do.
Then you'll never work a day in your life. Congrats.
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Old 09-19-2014, 09:24 PM   #243
lewdog lewdog is offline
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Then you'll never work a day in your life. Congrats.
Oh **** no, I don't like it that much!
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Old 09-19-2014, 09:56 PM   #244
vailpass vailpass is offline
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Oh **** no, I don't like it that much!
Heh. Then get get to where you can contract and take a month or two off between projects and teach your liver a lesson it won't forget
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vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.vailpass is obviously part of the inner Circle.
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Old 04-03-2017, 04:16 AM   #245
R8RFAN R8RFAN is offline
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4 years after start of thread
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Old 04-03-2017, 04:31 AM   #246
Fire Me Boy! Fire Me Boy! is offline
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Originally Posted by R8RFAN View Post
4 years after start of thread


Photoshopped. PM me your SSN, DOB, and full name for verification.
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Old 04-03-2017, 04:45 AM   #247
loochy loochy is online now
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4 years after start of thread
Yeah, see, it'seasy. You just have to participate in their stupid little game.
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Old 04-03-2017, 07:45 AM   #248
Pasta Little Brioni Pasta Little Brioni is offline
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Originally Posted by Pasta Giant Meatball View Post
Reighters you need to spend a bit of dough going to a game and supporting your team
Lulz. This is still relevant 4 years later too
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Old 04-03-2017, 06:03 PM   #249
R8RFAN R8RFAN is offline
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Originally Posted by loochy View Post
Yeah, see, it'seasy. You just have to participate in their stupid little game.
Thats it
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Old 04-03-2017, 06:14 PM   #250
TribalElder TribalElder is offline
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4 years after start of thread

851 on mine
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Old 04-03-2017, 06:17 PM   #251
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by loochy View Post
No, having it is a good thing.

Try to get your limit raised. That will help. The more credit you have available = better. The less debt you have against that available credit = better.
This is what worked... I have a 20k limit on 1 an 8-9 k limit on 2 and 4500 on bank of south America who refuses to raise my limit because they say I never use the card
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Old 04-03-2017, 06:18 PM   #252
R8RFAN R8RFAN is offline
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Originally Posted by TribalElder View Post
851 on mine
I only have credit cards to use for my score
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Old 04-03-2017, 06:39 PM   #253
Chief Pote Chief Pote is offline
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4 years after start of thread
You checked your credit score on your phone? How old are you 16?
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Old 04-03-2017, 06:45 PM   #254
R8RFAN R8RFAN is offline
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Originally Posted by Chief Pote View Post
You checked your credit score on your phone? How old are you 16?
Credit card apps Noob
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Old 04-03-2017, 07:05 PM   #255
Chief Pote Chief Pote is offline
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Credit card apps Noob
Sorry no apps for me. Ask any programmer, they will tell you apps feed your life to the developer and the developer will sell it. It's a cruel world out there.
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