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Old 04-02-2013, 02:13 PM  
R8RFAN R8RFAN is offline
Molôn Labé
 
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Join Date: Sep 2001
Location: North Carolina
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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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R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.
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Old 09-18-2014, 07:49 PM   #211
lewdog lewdog is offline
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Quote:
Originally Posted by JASONSAUTO View Post
Me.
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I charged that brake job I talked to you about the other day too.

WINNING = ME
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lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.lewdog is obviously part of the inner Circle.
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Old 09-18-2014, 07:54 PM   #212
SAUTO SAUTO is offline
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Originally Posted by lewdog View Post
Sounds like a personal problem brah. I would hope they'd be ok with paying that fee since I spent 5k with them. **** 'em if they don't!
True, wonder what their profit margins are on that product?


But I can understand where you are coming from. I wouldn't care either if it wasn't coming out of my pocket when I'm in that situation. Hell if someone told me after putting an engine I made about 1200 bucks on buying and installing that if I would knock off 50bucks if they didn't use a cardi would do it every time.

I would gladly pay whatever perks they would be getting off that transaction because they are hitting the point of sale for at least 3x that.

And like I said nothing against you lew, just bitter lol. But reading that has probably helped make up my mind to just charge the 3% add for using the card to every transaction.


So actually thanks, this thread just saved me money
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SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.
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Old 09-18-2014, 07:55 PM   #213
SAUTO SAUTO is offline
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Originally Posted by lewdog View Post
I charged that brake job I talked to you about the other day too.

WINNING = ME
.
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SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.SAUTO is obviously part of the inner Circle.
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Old 09-18-2014, 08:49 PM   #214
DaFace DaFace is offline
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Quote:
Originally Posted by JASONSAUTO View Post
Sorry to shit on your 50 bucks but it probably cost the person taking your card 150 or more in fees.
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I intentionally avoid places that don't take credit cards - I hardly ever deal in cash. Sorry, it's the way it is.
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Old 09-18-2014, 09:07 PM   #215
vailpass vailpass is offline
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Originally Posted by DaFace View Post
I intentionally avoid places that don't take credit cards - I hardly ever deal in cash. Sorry, it's the way it is.
This. Have all my bills hooked up to it. If I need to pay someone cash I use the Square.
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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 09-18-2014, 10:56 PM   #216
ThaVirus ThaVirus is online now
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How does one get credit?
I pay cash for anything that isn't a monthly bill. I walk out of work with cash every shift though so it's convenient for me.

Idk if I'd ever carry around cash if I only made money off of paychecks.
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Old 09-18-2014, 10:57 PM   #217
DMAC DMAC is offline
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Quote:
Originally Posted by ThaVirus View Post
I pay cash for anything that isn't a monthly bill. I walk out of work with cash every shift though so it's convenient for me.

Idk if I'd ever carry around cash if I only made money off of paychecks.
Ahhhhh, the stripper life.
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DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.
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Old 09-18-2014, 11:15 PM   #218
Simply Red Simply Red is offline
You Sweetie!
 
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Quote:
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


Yes he sure does bud. He sure does!
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Old 09-19-2014, 07:37 AM   #219
Pasta Little Brioni Pasta Little Brioni is offline
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Quote:
Originally Posted by Simply Red View Post
Yes he sure does bud. He sure does!
Let's support him in this endeavor. A list of supplies he needs sure would be nice!
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Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.Pasta Little Brioni is obviously part of the inner Circle.
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Old 09-19-2014, 08:20 AM   #220
EyePod EyePod is offline
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Why do you need credit? You have a paid off house and can live off <$30k easy. Retire early and screw credit. You can always open a HELOC if you needed cash in an emergency.

http://mrmoneymustache.com

PM me if you have any other questions.
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EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.EyePod has just been standing around suckin' on a big ol' chili dog.
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Old 09-19-2014, 08:22 AM   #221
ChiTown ChiTown is offline
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Quote:
Originally Posted by EyePod View Post
Why do you need credit? You have a paid off house and can live off <$30k easy. Retire early and screw credit. You can always open a HELOC if you needed cash in an emergency.

http://mrmoneymustache.com

PM me if you have any other questions.
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ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.ChiTown is obviously part of the inner Circle.
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Old 09-19-2014, 08:48 AM   #222
loochy loochy is offline
Hey Loochy, I'm hooome!
 
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Quote:
Originally Posted by EyePod View Post
Why do you need credit? You have a paid off house and can live off <$30k easy. Retire early and screw credit. You can always open a HELOC if you needed cash in an emergency.

http://mrmoneymustache.com

PM me if you have any other questions.
or you can build your credit score easily with no cost to you....
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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.
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Old 09-19-2014, 11:58 AM   #223
Sweet Daddy Hate Sweet Daddy Hate is offline
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Join Date: Aug 2008
Casino cash: $10004900
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 had no idea a Raider fan such as yourself could even exist...
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Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.Sweet Daddy Hate is obviously part of the inner Circle.
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Old 09-19-2014, 11:59 AM   #224
Kidd Lex Kidd Lex is offline
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Join Date: Dec 2010
Location: Kansas City
Casino cash: $4872608
My base is just under $200k with some bonus potential.

My debt consists of wives daily driver which is 18 months from payoff, but at 0% why pay early? I also owe about $200K on my house that has a 30 year mortgage at 3%, and has about $100K of equity.

Credit rating is around 800, I use my Chase to buy everything and reap the rewards at the end of the year in cash back, but I guarantee the wife and I spend money we wouldn't otherwise if cash based. I pay it off in full; every month without fail.

My question to the CP gurus is what to do next, pay off the 0% car just to get it over with, start paying off the mortgage, or start heavy investing in IRA's, mutual funds, etc...

My 401K is low six figures, have about $60K in stocks, and $75K in my online checking/money-market account.

I'm mid 30's, so I obviously need to get my retirement rolling, but I am at a total loss what to do next due to my low cost of money borrowed. Start heavy debt elimination, or heavy investing? The money in the bank is just losing value, although inflation is non-existent and the feds are taking steps to avoid deflation I hear.
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Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.Kidd Lex is blessed with 50/50 Hindsight.
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Old 09-19-2014, 12:06 PM   #225
Stewie Stewie is offline
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My credit score is available through my CC company. I score 849 out of 850. What the hell? Did I put a stamp upside down on an envelope? How do you have a perfect score minus one point? I can look at my history and everything is perfect.
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Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.Stewie is too fat/Omaha.
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