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Old 04-02-2013, 02:16 PM   #1
tooge tooge is offline
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do you have an income?
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Old 04-02-2013, 02:16 PM   #2
R8RFAN R8RFAN is offline
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do you have an income?
High 5 figures to low 6 figures per yr
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Old 04-02-2013, 02:18 PM   #3
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The older your credit lines are also plays into your score.
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Old 04-02-2013, 02:19 PM   #4
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The older your credit lines are also plays into your score.
This.

Having a line of credit for 3-4 years looks better.
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Old 04-02-2013, 02:18 PM   #5
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Old 04-02-2013, 02:18 PM   #6
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You need a few cards that carry a balance each month. They don't need to be high balance just keep the amount carried each month at 35 -40 percent of the card limit.
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Old 04-02-2013, 02:20 PM   #7
loochy loochy is online now
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You need a few cards that carry a balance each month. They don't need to be high balance just keep the amount carried each month at 35 -40 percent of the card limit.
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Old 04-02-2013, 02:27 PM   #8
cosmo20002 cosmo20002 is offline
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You need a few cards that carry a balance each month. They don't need to be high balance just keep the amount carried each month at 35 -40 percent of the card limit.
That is completely not true. Ridiculous.

It would be stupid to purposefully carry a balance for the purpose of paying interest.
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Old 04-02-2013, 02:31 PM   #9
R8RFAN R8RFAN is offline
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That is completely not true. Ridiculous.

It would be stupid to purposefully carry a balance for the purpose of paying interest.
Man I shudder to think about paying 24% interest on credit cards with 3k on them
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Old 04-02-2013, 02:38 PM   #10
cosmo20002 cosmo20002 is offline
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Man I shudder to think about paying 24% interest on credit cards with 3k on them
Absolutely no need to carry a balance/pay interest. It won't necessarily hurt you, but it would be crazy to do so for the purpose of trying to raise your score.
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Old 09-18-2014, 04:47 PM   #11
Hammock Parties Hammock Parties is online now
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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, 04:57 PM   #12
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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 04-02-2013, 02:19 PM   #13
SLAG SLAG is offline
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dude - your FICO score is your " I love debt" Score or "I care what banks think of me" score

If you truly live debt free you shouldn't care about your FICO score

Also
Cell phone companies don't use the Traditional FICO they have an Industry specific credit calculation - but if I was debt free i'd probably look into something like Ting.

We have been working the Dave Ramsey Baby steps for the past month and we should be debt free except the house by the end of the year.

I have cancelled all my credit cards and I vow never to borrow money again - meaning I could give a flick about my FICO score..

Good luck to you
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Old 04-02-2013, 02:20 PM   #14
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dude - your FICO score is your " I love debt" Score or "I care what banks think of me" score

If you truly live debt free you shouldn't care about your FICO score

Also
Cell phone companies don't use the Traditional FICO they have an Industry specific credit calculation - but if I was debt free i'd probably look into something like Ting.

We have been working the Dave Ramsey Baby steps for the past month and we should be debt free except the house by the end of the year.

I have cancelled all my credit cards and I vow never to borrow money again - meaning I could give a flick about my FICO score..

Good luck to you
Link to the Dave Ramsey baby steps?
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Old 04-02-2013, 02:25 PM   #15
SLAG SLAG is offline
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Link to the Dave Ramsey baby steps?
Here is the book:
http://www.amazon.com/The-Total-Mone...money+makeover

I picked up the Kindle version for $10

He is on the Radio everyday too you can listen here:

http://www.daveramsey.com - hes on for another 30min or so


But here are the steps:

Step 1- Save $1000 Emergency Fund
Step 2- Pay off all Debts Smallest to Largest - using the funds you free up to add to the payment of the next debt - aka the debt snowball
Step 3- Complete the ER fund with 3-6mo of savings
Step 4- Put 15% of your income toward retirement
Step 5 - Save for Kids' college
Step 6 - Pay off House Early
Step 7 - Become Wealthy and give a lot of it away


Thats the VERY high level overview but the Key to step 1-3 is budgeting - give every dollar a name -- on paper - on purpose every month - Keep a $0 Budget meaning every dollar has a Job


we are hooked
We want to live like no one else so later we can live like no one else.
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