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Old 04-02-2013, 02:13 PM  
R8RFAN R8RFAN is offline
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Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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 04-15-2018, 10:14 AM   #286
lewdog lewdog is offline
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Quote:
Originally Posted by R8RFAN View Post
you were in the same boat as I was a few years back weren't you?
No mines anyways been high. My wife’s wasn’t 5 years ago. She sits near 800 now though too.
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Old 04-15-2018, 10:23 AM   #287
R8RFAN R8RFAN is offline
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Originally Posted by lewdog View Post
No mines anyways been high. My wife’s wasn’t 5 years ago. She sits near 800 now though too.
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Old 08-21-2021, 03:15 PM   #288
lewdog lewdog is offline
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Join Date: Sep 2011
Location: Valley of the hot as ****
Casino cash: $1991900
0% financing a new car today.

My credit score is 833.

Why not take a no interest loan?! **** you R8ers Ramsey!!!
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Old 08-21-2021, 04:02 PM   #289
Sorce Sorce is offline
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Originally Posted by lewdog View Post
0% financing a new car today.

My credit score is 833.

Why not take a no interest loan?! **** you R8ers Ramsey!!!
We recently bought a car 2.92, 0% was an option, but the $1700 rebate was the better deal.

Sent from my Pixel 3 using Tapatalk
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Old 08-21-2021, 05:04 PM   #290
MTG#10 MTG#10 is offline
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Quote:
Originally Posted by lewdog View Post
0% financing a new car today.

My credit score is 833.

Why not take a no interest loan?! **** you R8ers Ramsey!!!
I had an 825 until I refinanced my house recently. Somehow that dropped my score 22 ****ING POINTS.
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Old 08-21-2021, 05:11 PM   #291
DaFace DaFace is offline
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Originally Posted by MTG#10 View Post
I had an 825 until I refinanced my house recently. Somehow that dropped my score 22 ****ING POINTS.
Eh, anything over like 780 is basically the same. Try not to worry about random fluctuations.
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Old 08-21-2021, 05:18 PM   #292
lewdog lewdog is offline
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Quote:
Originally Posted by Sorce View Post
We recently bought a car 2.92, 0% was an option, but the $1700 rebate was the better deal.

Sent from my Pixel 3 using Tapatalk
Nice rebate!

You buy from Hometeam?
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Old 08-21-2021, 06:06 PM   #293
Sorce Sorce is offline
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Nice rebate!



You buy from Hometeam?
Nah actually drove about an hour because I found a dealer who would deal via email and not try to screw around. It was a GM rebate.

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Old 08-21-2021, 06:22 PM   #294
Third Eye Third Eye is online now
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Quote:
Originally Posted by MTG#10 View Post
I had an 825 until I refinanced my house recently. Somehow that dropped my score 22 ****ING POINTS.
That’s temporary. Any hard inquiry will drop your credit score, but half of that impact will be gone in a month and then be totally gone in 3-4.
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