Anyone have any experience or ideas to fix my own credit?

[Titty Meat]

Broke doesn't pay the bills Saul.

[Bob Dole]

Do you 3 need your own private room?

[R8RFAN]

Originally Posted by Bob Dole

Do you 3 need your own private room?

Not me bob, if I were going to be gay, I would probably go after a stud like you

[Bob Dole]

Originally Posted by R8ers

Not me bob, if I were going to be gay, I would probably go after a stud like you

Understandable.

Carry on.

[Over-Head]

Originally Posted by Bob Dole

Understandable.

Carry on.

[Titty Meat]

Originally Posted by Bob Dole

Do you 3 need your own private room?

Saul can't afford one.



Sorry Bob I won't post in this thread anymore but yea I agreed with Raiders I'd bang ya.

[Over-Head]

Originally Posted by billay

Saul can't afford one.



Sorry Bob I won't post in this thread anymore but yea I agreed with Raiders I'd bang ya.

[Saul Good]

Does anybody know if mint lets you control a sportsbook account as well?

[joesomebody]

Some good stuff here. I haven't used a credit card since March 13th 2009. I'm well on my way to paying them off, it will still take some time, but I'm getting there.

I graduate from Mizzou this Saturday. My part time job will be enough to pay the bills, but I can't wait until I find something that will allow me to finally start getting ahead.

I own both my vehicles. One is paid off, and the other I paid cash for.

My grandparents are quite wealthy and use credit cards for the perks, but I agree that the majority of the world get's suckered in by perks and ends up losing their ass(ets).

[DaFace]

OK, I just thought of (what I feel is) a great analogy for why I get so irritated at R8ers and the like who are so anti-debt, so I figured I'd drop back by.

Credit...is like alcohol. (Hear me out.)

Like credit, alcohol gets some types of people into real trouble. However, for a vast majority of people, alcohol (and credit) can be used quite responsibly to produce a positive result.

When a conversation like this comes up, it's like a high school student telling his parents that his friends are drinking and asking for their advice. The parents have two broad categories of options: 1) tell him that drinking is evil and that he should never, ever do it OR 2) teach him how to drink responsibly (moderation, having a designated driver, etc.). It's certainly debatable which of these approaches will yield the best result, but I think a majority of people around here at least would agree that option 1 is doomed to fail. Option 2 has a much better chance of having positive effects in the long run.

So, when a thread like this comes up, there are really two responses. Yell and scream about how evil credit is, or teach people how to use it responsibly. I prefer the latter approach and believe that 1) credit is great if you know how to use it (and no, I'm not implying that it's a good idea to carry a balance on a credit card) and 2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.

And prude parents who continue to think that alcohol is evil annoy the hell out of me.

The end.

[Saul Good]

Originally Posted by DaFace

OK, I just thought of (what I feel is) a great analogy for why I get so irritated at R8ers and the like who are so anti-debt, so I figured I'd drop back by.

Credit...is like alcohol. (Hear me out.)

Like credit, alcohol gets some types of people into real trouble. However, for a vast majority of people, alcohol (and credit) can be used quite responsibly to produce a positive result.

When a conversation like this comes up, it's like a high school student telling his parents that his friends are drinking and asking for their advice. The parents have two broad categories of options: 1) tell him that drinking is evil and that he should never, ever do it OR 2) teach him how to drink responsibly (moderation, having a designated driver, etc.). It's certainly debatable which of these approaches will yield the best result, but I think a majority of people around here at least would agree that option 1 is doomed to fail. Option 2 has a much better chance of having positive effects in the long run.

So, when a thread like this comes up, there are really two responses. Yell and scream about how evil credit is, or teach people how to use it responsibly. I prefer the latter approach and believe that 1) credit is great if you know how to use it (and no, I'm not implying that it's a good idea to carry a balance on a credit card) and 2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.

And prude parents who continue to think that alcohol is evil annoy the hell out of me.

The end.

I get the analogy. Maybe we can agree on this concept: people should learn to live completely free of debt before they start trying to harness the power of leverage and OPM.

[R8RFAN]

I see you left out Saul, he hates credit as much as I do but he is a Chiefs fan so let him slide....thats ok
Dude I could care less how you spend your money or money that you don't have, thats your option but when you say credit is good or make money on using credit, I am gonna call you on the carpet for it...

Credit is for those who don't need it.... If you are using credit because you have no money, then you need to either make more money or change your lifestyle...

The problem is people want instant gratification and instead of waiting until they can afford it, they have to have it now.

Daface, I don't know how old you are but you seem young to me by your rebellious tone but when you rebel with credit, the only people harmed is the one using it and their families..
I have neighbors that have twice the house I have twice the cars I have and make less than half what I do... They are up to their asses in debt, if you like that feeling, then by all means stay in your present lifestyle.

2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.

No skin off my teeth, I care for the people and wish they would not go in debt but they are smarter than some 44 yr old Raiders fan in NC, what can you do?
I am completely comfortable in my skin and I don't believe in coddling or hand holding full grown men so put the big girl panties on when you talk to me, think of me as that dude in the Gieco commercial talking to the guy on the couch (just not as old)
Not a soul in my family ever had anything, My Mom stayed in debt all her life, My dad never made over 6 bucks an hour his whole life (died in 81) My sisters always spent every dime they made and were always looking for more.... The sad part is, people up to their ass in debt think they have it good. Life is not good until you kick those that are stealing your families security to the curb...
I am so blunt about this issue for 1 reason, I want to see people take complete control of their money and make their own choice in who is worthy of receiving the money they work for.


Anyhoo, Merry Christmas

[R8RFAN]

Originally Posted by Dsnyfn

Interesting that you lecture here.

It's good to see you have taken a better direction than your family members, which means that you learned from their mistakes. It wasn't like you woke up at age 10 with the idea.

But, and this is the only problem I have with Dave Ramsey, sitting on a high horse and lecturing people does nothing to change them. These days we as a society have decided that the only way to make a point is to embarass people instead of encouraging them. In essence, it makes us feel better to belittle the person and show them our superior position, than it does to help them with encouragement and wisdom. I agree that sometimes "tough love" is needed, but it should be the exception not the rule.

Sorry man, if you are too easy with people on this subject they go out an make a decision that hurts them possibly for the rest of their life...

I tell it like it is, a man can take the advice or he can leave it, as I said, a man being poor does nothing to my wallet nor am I charging for the opinion...
The advice is free, take it or leave it.