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Old 04-04-2017, 05:51 AM   #1
-King- -King- 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?
Wut?
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Old 04-04-2017, 06:20 AM   #2
Amnorix Amnorix is offline
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Originally Posted by R8RFAN View Post
4 years after start of thread


Nice!

And ignore my last post, responding to an ancient post.
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Old 08-27-2017, 07:08 PM   #3
R8RFAN R8RFAN is offline
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For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
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Old 08-27-2017, 07:09 PM   #4
Hog's Gone Fishin Hog's Gone Fishin is offline
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Quote:
Originally Posted by R8RFAN View Post
For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
So what good is it doing you ?
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Old 08-27-2017, 07:11 PM   #5
R8RFAN R8RFAN is offline
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Originally Posted by Hog Farmer View Post
So what good is it doing you ?
nothing... But I get a shitload of points to buy shit on amazon
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Old 08-27-2017, 07:14 PM   #6
Hog's Gone Fishin Hog's Gone Fishin is offline
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Originally Posted by R8RFAN View Post
nothing... But I get a shitload of points to buy shit on amazon

I see. I thought maybe you were smart or something and using it to build an empire.My bad. I'm sure you have an Xbox though.
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Old 08-27-2017, 07:16 PM   #7
LoneWolf LoneWolf is offline
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Quote:
Originally Posted by R8RFAN View Post
For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
If you don't ever plan to buy anything using credit, why do you give a shit what your credit score is. Do you just like to come to CP and brag to a bunch of people who couldn't give less of a shit what your credit score is?
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Old 08-28-2017, 03:36 AM   #8
R8RFAN R8RFAN is offline
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Originally Posted by LoneWolf View Post
If you don't ever plan to buy anything using credit, why do you give a shit what your credit score is. Do you just like to come to CP and brag to a bunch of people who couldn't give less of a shit what your credit score is?
Yes I do
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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 08-27-2017, 10:44 PM   #9
Mr. Flopnuts Mr. Flopnuts is offline
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Quote:
Originally Posted by R8RFAN View Post
For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
Elite credit. You've gotten there! Now what? It DOES serve a purpose. Do you know what that is, or is this just where they told you that you needed to get too? People use their credit to amass wealth. Do you know how? Find out, or, umm, congrats on the nifty credit score and all! It'll get you GREAT interest rates that you'll never use!
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Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.Mr. Flopnuts is obviously part of the inner Circle.
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Old 08-28-2017, 12:45 AM   #10
bdj23 bdj23 is offline
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Quote:
Originally Posted by R8RFAN View Post
For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
That's awesome dude, have time to tell us again?
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Old 08-28-2017, 12:53 AM   #11
cooper barrett cooper barrett is offline
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I buy a $5K or larger CD and then borrow against it. I then take the funds from that and put it in my account and set up automatic payments for the term of the loan (1Year). You can do this multiple times as I did starting out.

HAVING A BANK LOAN (or 3-4) HELPS A LOT BUT HAVING A BANK LOAN THAT WAS FULFILLED EVERY YEAR DOES WONDERS!!!!
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Old 08-28-2017, 04:48 AM   #12
ChiefGator ChiefGator is offline
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That is interesting.. I would have thought paying them off in full each month would have hurt your credit score.

Did you cards raise your limits, by the way?
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Old 08-28-2017, 07:29 AM   #13
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by ChiefGator View Post
That is interesting.. I would have thought paying them off in full each month would have hurt your credit score.

Did you cards raise your limits, by the way?
Yeah I have three cards with a total of about $35,000 credit limit
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Old 08-28-2017, 11:23 AM   #14
scho63 scho63 is offline
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Quote:
Originally Posted by R8RFAN View Post
For those interested after 4 years, I have a score of 824 now only using credit cards and paying them off in full e a couple times a month.

When I started this mission I think my score was 669
Quote:
Originally Posted by R8RFAN View Post
Yeah I have three cards with a total of about $35,000 credit limit
CONGRATS ON HAVING A PLAN AND EXECUTING IT TO PERFECTION!

I HOPE THAT YOUR CREDIT CARDS HAVE AIRLINE MILEAGE AND HOTEL REWARDS ATTACHED TO THEM AS OPPOSED TO SIMPLE CARDS. IF NOT YOU SHOULD LOOK INTO A SWAP FOR AT LEAST ONE.

There may be a point in your life where you want to open a business before or after retirement, may decide to buy a second home, or want an extravagant purchase that your great credit will come in handy.

You should have a great financial planner who has estate knowledge as well.
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Old 08-28-2017, 11:25 AM   #15
scho63 scho63 is offline
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Quote:
Originally Posted by ChiefGator View Post
That is interesting.. I would have thought paying them off in full each month would have hurt your credit score.

Did you cards raise your limits, by the way?
Absolutely not!

What hurts a credit score is utilizing more than 70-80% of your available credit each month. People think charging to the limit and paying off is best and it is NOT. Charge about 60% on various cards and pay off each month and your credit score will skyrocket.

Maxing out your credit limit on cards or home equity is NOT good.
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scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.scho63 is obviously part of the inner Circle.
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