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Old 04-02-2013, 02:24 PM   #1
R8RFAN R8RFAN is offline
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Just make sure they don't have early payoff penalties tied to them.
So by law we are always allowed to pay off a loan at any time but the slimey bastards can penalize you for doing so?

That is real nice
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Old 04-02-2013, 02:25 PM   #2
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So by law we are always allowed to pay off a loan at any time but the slimey bastards can penalize you for doing so?

That is real nice
Think about it. The bank is loaning you the money because they want to make money (interest) off of you. If you pay it off early.....they penalize you because they aren't going to make that money. A lot of banks don't do it anymore.....but there are some that still do.
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Old 04-04-2017, 06:19 AM   #3
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Originally Posted by R8RFAN View Post
So by law we are always allowed to pay off a loan at any time but the slimey bastards can penalize you for doing so?

That is real nice

Well, "law" has nothing to do with it. It's the contract. Most consumer loans -- loans not given to businesses -- do not have prepayment penalties. Mortgages, for example, do not.

Business loans, however, often do.
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Old 04-02-2013, 02:22 PM   #4
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It sounds like that card is a debit/credit card that's tied to your account. Those won't report the credit bureau.
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Old 04-02-2013, 02:23 PM   #5
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Originally Posted by R8ers View Post

but why is my credit score in the mid 600's and how do I get it to go up?
Probably this:
# Have 1 bank credit card (Visa) Pay off in full every month

Only one card. Does it have a low limit? That hurts as well.
Not having much credit extended to you/available to you makes it hard to get more credit. Makes sense to them.
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Old 04-02-2013, 02:23 PM   #6
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5 years ago-ish; laid off; foreclosed; job making 45% less; horrible situation

2013; making more than i did in 2008; paid off 2 cars, sold the motorcycle; paid of 3 cards; just paid 1/2 of the remaining balance of 1 card; paying the next 1/2 here in a few weeks;. paid off another card in full last month.

2 cards to go that are interest and penalty fee because we got on a payment plan. should be 'done' by summer next year. and not have any debt.

haven't used a card since 2008. aside from buying something online, then immediately going to my card site and paying it off/crediting it etc.
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Old 04-02-2013, 02:24 PM   #7
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Old 04-02-2013, 02:26 PM   #8
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from what i understand you should have 3-4 credit cards that you charge things to (you can still pay them off) so they remain active....(unsecured aspect)

also, if it has been a while since you have had a secured loan (car or house etc...) you should try and get a secure loan, even if you just pay it off...this could be the biggest factor in why your score is low. You might try to get a HELOC....use it once a year to make a large-ish purchase, then pay it off.....that may be all you need to do for the secured aspect.

I think you are wise to want to raise your score. I'm in a similar position, but my score is now 750ish...I would like to try for 800+
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Old 04-02-2013, 02:27 PM   #9
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Originally Posted by Pawnmower View Post
from what i understand you should have 3-4 credit cards that you charge things to (you can still pay them off) so they remain active....(unsecured aspect)

also, if it has been a while since you have had a secured loan (car or house etc...) you should try and get a secure loan, even if you just pay it off...this could be the biggest factor in why your score is low. You might try to get a HELOC....use it once a year to make a large-ish purchase, then pay it off.....that may be all you need to do for the secured aspect.

I think you are wise to want to raise your score. I'm in a similar position, but my score is now 750ish...I would like to try for 800+
I think that stuff falls off of your score after 5 years, right?
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Old 04-02-2013, 02:32 PM   #10
Ming the Merciless Ming the Merciless is offline
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I think that stuff falls off of your score after 5 years, right?
im not 100% but i heard a similar call on a radio show i listened to and the host said even if you dont need it, secured loans are huge on your credit score....but yes i think 7 or 5...trying to cite it now
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Old 04-02-2013, 02:53 PM   #11
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im not 100% but i heard a similar call on a radio show i listened to and the host said even if you dont need it, secured loans are huge on your credit score....but yes i think 7 or 5...trying to cite it now
It all stays there for 7 years.....unless you have a judgement or a bankruptcy which can cause it to be there for 10.
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Old 04-02-2013, 02:30 PM   #12
R8RFAN R8RFAN is offline
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Originally Posted by Pawnmower View Post
from what i understand you should have 3-4 credit cards that you charge things to (you can still pay them off) so they remain active....(unsecured aspect)

also, if it has been a while since you have had a secured loan (car or house etc...) you should try and get a secure loan, even if you just pay it off...this could be the biggest factor in why your score is low. You might try to get a HELOC....use it once a year to make a large-ish purchase, then pay it off.....that may be all you need to do for the secured aspect.

I think you are wise to want to raise your score. I'm in a similar position, but my score is now 750ish...I would like to try for 800+
I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
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Old 04-02-2013, 02:34 PM   #13
Ming the Merciless Ming the Merciless is offline
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I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
try to find some with no fees - like credit union or open another savings at another local bank etc...

also if you shop at home depot or something...even dept store cards will work...

you just need something you can use once in a while
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Old 04-02-2013, 02:36 PM   #14
R8RFAN R8RFAN is offline
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try to find some with no fees - like credit union or open another savings at another local bank etc...

also if you shop at home depot or something...even dept store cards will work...

you just need something you can use once in a while
I have thought about a Lowes card to buy something then pay it off.. That will probably work
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Old 04-02-2013, 02:46 PM   #15
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I have thought about a Lowes card to buy something then pay it off.. That will probably work
yeah, but do that with EVERYTHING

Get some kind of card that gives a cashback reward, such as my costco amex or my wells fargo visa. There's no annual fee and I just charge everything I can to the cards - all groceries, gas, bills, everything that is eligible. I just pay them off at the end of the month. I pay no interest and I get 1% back on everything from both of them (sometimes up to 3% back from the amex, depending on what I buy).
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