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#2 |
The future is now.
Join Date: Dec 2006
Location: Nor-Cal
Casino cash: $54114
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Do you have open credit cards with zero balances?
EDIT: Saw that you have one. |
Posts: 64,081
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#3 |
DELETE! DELETE! DELETE!
Join Date: Oct 2008
Location: TECKSIS
Casino cash: $30852
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you get credit by having lines of credit open. having a larger credit to debt ratio is better.
__________________
You are my obsolete mule. I am broken brilliance. Aaah Brother Nero, I knew you'd come! ![]() |
Posts: 27,825
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#4 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $20007
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Posts: 21,374
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#5 |
The man you could post like.
Join Date: Oct 2010
Casino cash: $19755
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The more you have open and current the better I guess. The logic doesn't make sense to me either.
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Posts: 10,358
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#6 |
The future is now.
Join Date: Dec 2006
Location: Nor-Cal
Casino cash: $54114
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You won't get turned down for a cell phone if you went to get one. They'd ask you for a cash deposit. And I'm pretty sure that with a credit score in the mid 600s....they won't even require one of those.
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Posts: 64,081
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#7 |
SPOT THE PSYCHO
Join Date: Jun 2007
Location: ks
Casino cash: $22166
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Credit report is a fraud. In order to get credit you have to create dept to pay off in time. When you have everything paid off and don't generate more credit debt then you just stay the same. It's ****ing dumb. Kids out of high school have to earn credit to start out in life and that meens they have to create debt to have credit. This is how I see it.
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Posts: 33,301
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#8 |
MVP
Join Date: Feb 2007
Location: Liberty, MO
Casino cash: $14212
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do you have an income?
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Posts: 9,921
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#9 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $20007
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Posts: 21,374
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#10 | |
DELETE! DELETE! DELETE!
Join Date: Oct 2008
Location: TECKSIS
Casino cash: $30852
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Quote:
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.
__________________
You are my obsolete mule. I am broken brilliance. Aaah Brother Nero, I knew you'd come! ![]() |
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Posts: 27,825
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#11 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $20007
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Posts: 21,374
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#12 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $20007
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Posts: 21,374
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#13 |
The future is now.
Join Date: Dec 2006
Location: Nor-Cal
Casino cash: $54114
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You can....yeah. It can be as simple as taking out a $2000 loan....putting the money into a savings account and then making the monthly payments every month. You'll lose a little money in the interest you pay over the loan....but it will build your credit history.
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Posts: 64,081
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#14 |
Someone pass the antifreeze
Join Date: Oct 2005
Location: Miami (North Cuba)
Casino cash: $17919
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The older your credit lines are also plays into your score.
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Posts: 13,935
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#15 | |
DELETE! DELETE! DELETE!
Join Date: Oct 2008
Location: TECKSIS
Casino cash: $30852
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Quote:
Open some more high limit credit cards and keep them paid off or something. Yeah, I know, the way this thing works is absolutely retarded. If they just looked at your situation they'd see that you can easily pay off whatever...
__________________
You are my obsolete mule. I am broken brilliance. Aaah Brother Nero, I knew you'd come! ![]() |
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Posts: 27,825
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