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04-02-2013, 02:14 PM | #2 |
Most Valuable Villain
Join Date: Dec 2006
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Do you have open credit cards with zero balances?
EDIT: Saw that you have one. |
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04-02-2013, 02:14 PM | #3 |
Hey Loochy, I'm hooome!
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you get credit by having lines of credit open. having a larger credit to debt ratio is better.
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04-02-2013, 02:15 PM | #4 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
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04-02-2013, 02:15 PM | #5 |
The man you could post like.
Join Date: Oct 2010
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The more you have open and current the better I guess. The logic doesn't make sense to me either.
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04-02-2013, 02:16 PM | #6 |
Most Valuable Villain
Join Date: Dec 2006
Casino cash: $2555047
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You won't get turned down for a cell phone if you went to get one. They'd ask you for a cash deposit. And I'm pretty sure that with a credit score in the mid 600s....they won't even require one of those.
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04-02-2013, 02:16 PM | #7 |
Tip of the hat LIV Champs
Join Date: Jun 2007
Location: ks
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Credit report is a fraud. In order to get credit you have to create dept to pay off in time. When you have everything paid off and don't generate more credit debt then you just stay the same. It's ****ing dumb. Kids out of high school have to earn credit to start out in life and that meens they have to create debt to have credit. This is how I see it.
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04-02-2013, 02:16 PM | #8 |
MVP
Join Date: Feb 2007
Location: Liberty, MO
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do you have an income?
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04-02-2013, 02:16 PM | #9 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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04-02-2013, 02:16 PM | #10 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $630397
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Quote:
Try to get your limit raised. That will help. The more credit you have available = better. The less debt you have against that available credit = better.
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04-02-2013, 02:16 PM | #11 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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Posts: 23,166
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04-02-2013, 02:17 PM | #12 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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Posts: 23,166
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04-02-2013, 02:17 PM | #13 |
Most Valuable Villain
Join Date: Dec 2006
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You can....yeah. It can be as simple as taking out a $2000 loan....putting the money into a savings account and then making the monthly payments every month. You'll lose a little money in the interest you pay over the loan....but it will build your credit history.
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04-02-2013, 02:18 PM | #14 |
Someone pass the antifreeze
Join Date: Oct 2005
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The older your credit lines are also plays into your score.
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04-02-2013, 02:18 PM | #15 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $630397
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Quote:
Open some more high limit credit cards and keep them paid off or something. Yeah, I know, the way this thing works is absolutely reeruned. If they just looked at your situation they'd see that you can easily pay off whatever...
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