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Old 04-02-2013, 02:13 PM  
3rd&48ers 3rd&48ers is offline
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Join Date: Sep 2001
Location: North Carolina
Casino cash: $954028
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 12-13-2013, 05:42 PM   #181
Chieftain58 Chieftain58 is offline
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Join Date: Jun 2002
Location: Land of OZ
Casino cash: $24059
You have to have a history of on time payments
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Old 12-13-2013, 07:35 PM   #182
scho63 scho63 is offline
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Join Date: Feb 2009
Location: Virginia
Casino cash: $39529
Quote:
Originally Posted by 3rd&48ers View Post
No but I do find I spend more money with credit cards than I ever did with cash in my pocket
You just figured that little gem out now???

You Raiders fans are a little slower than the rest of us......
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