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Old 04-02-2013, 02:49 PM   #1
Jewish Rabbi Jewish Rabbi is offline
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If you really want to have a high credit score, put everything on credit cards. Seriously.

It will take a while to build up your average age of accounts, so your score may take a short term hit, but will benefit in the long run.

Make sure to pay them off every month though.
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Old 04-02-2013, 02:52 PM   #2
MTG#10 MTG#10 is offline
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You dont need to carry a balance at all. Just open up 2-3 more credit cards with no monthly or yearly fees and let them sit.
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Old 04-02-2013, 02:54 PM   #3
R8RFAN R8RFAN is offline
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You dont need to carry a balance at all. Just open up 2-3 more credit cards with no monthly or yearly fees and let them sit.
Hell I don't even see a credit card without a yearly fee I qualify for
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Old 04-02-2013, 04:02 PM   #4
mikeyis4dcats. mikeyis4dcats. is offline
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Hell I don't even see a credit card without a yearly fee I qualify for
where are you looking for cards? There are dozens of no annual fee credit cards. Just go to aa.com and sign up for a credit card....
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Old 04-02-2013, 04:08 PM   #5
R8RFAN R8RFAN is offline
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where are you looking for cards? There are dozens of no annual fee credit cards. Just go to aa.com and sign up for a credit card....
If Transunion gets my report fixed right i SHOULD qualify for some cash back cards with no annual fee....

Thats what I am looking for basically... Just letting the 11 year old card sit and getting a good rewards/cash card and just pay it off every month like I do the one I have now
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Old 04-02-2013, 04:30 PM   #6
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Hell I don't even see a credit card without a yearly fee I qualify for
then you are lying to us about something
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Old 04-02-2013, 04:36 PM   #7
R8RFAN R8RFAN is offline
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then you are lying to us about something
No I am not, I think transunion is not reporting my credit card and have a mistake on my report...

Once you pay everything off and have no debts reporting, you will see a credit score drop regardless of how much money you have.

Thats why it is VITAL my limited reporting is being reported correctly.
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Old 04-02-2013, 04:46 PM   #8
Hootie Hootie is offline
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Originally Posted by R8ers View Post
No I am not, I think transunion is not reporting my credit card and have a mistake on my report...

Once you pay everything off and have no debts reporting, you will see a credit score drop regardless of how much money you have.

Thats why it is VITAL my limited reporting is being reported correctly.
Capital One will give ANYONE with either no credit (and no flaws) or a score in the mid 600s a REWARDS card with no yearly fee.

So will barclays...

so will a lot of other places

2 years ago I got two cash back $0 annual fee credit cards with a score of 640 due to a defaulted student loan that I rehabilitated and paid back in full 5 years back

now I'm in the low 700s...not great, but not bad for letting a loan default (one that I didn't even know about since I took it when I was 18 for beer money because I'm an idiot)
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Old 04-02-2013, 02:54 PM   #9
BeMyValentine BeMyValentine is offline
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Did I miss why you are wanting good credit? The only thing I can think of is some insurance companies factor in your credit score. It seems to me you are well off without a decent credit score.
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Old 04-02-2013, 03:01 PM   #10
R8RFAN R8RFAN is offline
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Did I miss why you are wanting good credit? The only thing I can think of is some insurance companies factor in your credit score. It seems to me you are well off without a decent credit score.
Well I think it would be better to have it and not need it than the opposite.

I am blessed and very grateful for the ability to take care of my family.

Everything I own is average.

Average cars, boat, Home.. It takes me days to buy something for myself that costs 100 bucks, I think it's some sort of mental problem with me. But when I was a kid my family was dirt poor, My mom cooked in a restaurant and my Dad (who died in 1981) never made over 6.50 per hour in his whole life that I know of...
I have nobody to turn to in life if I ever needed money.
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Old 04-02-2013, 02:55 PM   #11
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Old 04-02-2013, 03:03 PM   #12
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I couldn't get mine above 720 until I decided to run a balance on my credit cards for a few months and then pay the balance off. I've done that a couple of times and my score is 805 now. Forever I paid the balance off every month and my credit score wouldn't change. It seems a little silly now, considering the fact that I have about 80K in my savings account now but I can't refinance my home with that high of a credit score because my mortgage with BOA wasn't sold to Fannie Mae or Freddie Mac. Banks punish people for being responsible and paying their bills on time every month yet will refinance and modify loans for all of the people that are months behind on their mortgage and borrowed more than they can afford.
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Old 04-02-2013, 03:04 PM   #13
R8RFAN R8RFAN is offline
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I couldn't get mine above 720 until I decided to run a balance on my credit cards for a few months and then pay the balance off. I've done that a couple of times and my score is 805 now. Forever I paid the balance off every month and my credit score wouldn't change. It seems a little silly now, considering the fact that I have about 80K in my savings account now but I can't refinance my home with that high of a credit score because my mortgage with BOA wasn't sold to Fannie Mae or Freddie Mac. Banks punish people for being responsible and paying their bills on time every month yet will refinance and modify loans for all of the people that are months behind on their mortgage and borrowed more than they can afford.
That is totally ****ed up...

No wonder why this country is in the shape it's in
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Old 04-02-2013, 03:14 PM   #14
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That is totally ****ed up...

No wonder why this country is in the shape it's in
Exactly. I've gone to 5 or 6 banks including my own, and they won't refinance unless I put even more down. Every single one of those banks has advised me to skip my house payment for a few months to get BOA more interested in refinancing or modifying my loan. The whole idea seems pretty screwed up to me.
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Old 04-02-2013, 03:15 PM   #15
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Exactly. I've gone to 5 or 6 banks including my own, and they won't refinance unless I put even more down. Every single one of those banks has advised me to skip my house payment for a few months to get BOA more interested in refinancing or modifying my loan. The whole idea seems pretty screwed up to me.
Skip your house payment and **** your credit up?
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