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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 09-18-2014, 04:46 PM   #196
digger digger is offline
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VARSITY
Credit Card Utilization ............................ 1-20% High Impact
Percent of Payments Made On-Time ........ 100% High Impact
Derogatory Marks ........................................... 0 High Impact
Average Account Age (in Years) ..... More than 8 Medium Impact
Total Account (Open or Closed) ................. 22+ Low Impact
Credit Inquiries .............................................. 0 Low Impact
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Old 09-18-2014, 04:47 PM   #197
Hammock Parties Hammock Parties is offline
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Originally Posted by tmh View Post
keep the amount carried each month at 35 -40 percent of the card limit.


So you want me to carry $800 debt each month on my $2000 credit card and $3500 on my $10,000 credit card?

Sounds like a great way to get ahead in life!
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Old 09-18-2014, 04:49 PM   #198
JohnnyHammersticks JohnnyHammersticks is online now
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Wait what?

Having 100k credit limit and only using 1k is worse than having 100k credit limit and using 75k?
Sorry!! You were 100% correct, not false. I misread your post as if you were saying the opposite. We're in total agreement. My bad.
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Old 09-18-2014, 04:55 PM   #199
loochy loochy is offline
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Originally Posted by JohnnyHammersticks View Post
Sorry!! You were 100% correct, not false. I misread your post as if you were saying the opposite. We're in total agreement. My bad.
Ha ha ok. You had me really confused... I was like "WTF man, why would they want you to use up all of your credit?
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Old 09-18-2014, 04:57 PM   #200
Pasta Little Brioni Pasta Little Brioni is offline
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Originally Posted by Count Zarth View Post


So you want me to carry $800 debt each month on my $2000 credit card and $3500 on my $10,000 credit card?

Sounds like a great way to get ahead in life!
Money advice from this place but yeah some great advice in between a few loony suggestions
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Old 09-18-2014, 04:59 PM   #201
ChiliConCarnage ChiliConCarnage is offline
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Originally Posted by 3rd&48ers View Post
After 1.5 years of paying all credit cards off in full every month
Nice. I was in a similar situation. No debt after I paid off a car loan real quick in 2003 but I used CCs all throughout so when I wanted to shop for a new car earlier this year I was golden.

If you can control your spending, CCs are incredible. They give you a free loan for x days, benefits (including cash/rewards/flight points), and great credit just for paying the bills you would have spent anyway.
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Old 09-18-2014, 05:01 PM   #202
Pasta Little Brioni Pasta Little Brioni is offline
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Reighters you need to spend a bit of dough going to a game and supporting your team
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Old 09-18-2014, 05:06 PM   #203
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by ChiliConCarnage View Post
Nice. I was in a similar situation. No debt after I paid off a car loan real quick in 2003 but I used CCs all throughout so when I wanted to shop for a new car earlier this year I was golden.

If you can control your spending, CCs are incredible. They give you a free loan for x days, benefits (including cash/rewards/flight points), and great credit just for paying the bills you would have spent anyway.
I put everything on that Amazon/Visa... I get free stuff I need from Amazon

Shit I bought a new Lazyboy sofa and 2 Lazyboy recliners last month and got the free points... Paid the furniture off the next day
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Old 09-18-2014, 05:10 PM   #204
JohnnyHammersticks JohnnyHammersticks is online now
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Quote:
Originally Posted by 3rd&48ers View Post
I just wanted to use it and pay it off a couple times a month to improve my credit score
Do you have any friends in the mortgage business? If so, ask them to pull a "tri-merge" credit report. That's the one they use, and it shows all 3 bureaus. They get charged about $15, so offer to pay. That way you can compare and see if one bureau may have bad info.

Also, most loan originators/officers know a good credit repair place. Not to be confused with a credit counseling companies, which are for people who are in over their heads, credit repair specialists can look at your credit report and immediately tell you why your score is what it is, and what you can do to improve it. I'd try that first, so that you don't take any unnecessary steps.
Last edited by JohnnyHammersticks; 09-18-2014 at 05:18 PM..
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Old 09-18-2014, 05:56 PM   #205
lewdog lewdog is offline
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We have over $500 coming cash back this year in credit card rewards and we pay off our credit cards in full each month. We charge everything. We even charged 5k for re-doing our floors on the card because 1% of that is a free $50 down the line!
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Old 09-18-2014, 06:36 PM   #206
SAUTO SAUTO is offline
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We have over $500 coming cash back this year in credit card rewards and we pay off our credit cards in full each month. We charge everything. We even charged 5k for re-doing our floors on the card because 1% of that is a free $50 down the line!
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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Old 09-18-2014, 06:37 PM   #207
SAUTO SAUTO is offline
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And yes I'm bitter.










Lol
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Old 09-18-2014, 07:16 PM   #208
R8RFAN R8RFAN is offline
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Sorry to shit on your 50 bucks but it probably cost the person taking your card 150 or more in fees.
Posted via Mobile Device

Who cares...
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Old 09-18-2014, 07:39 PM   #209
lewdog lewdog is offline
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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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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!
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Old 09-18-2014, 07:48 PM   #210
SAUTO SAUTO is offline
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Who cares...
Me.
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