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12-13-2013, 06:42 PM | #181 |
Fan club member
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You have to have a history of on time payments
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12-13-2013, 08:35 PM | #182 | |
Politically Incorrect
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Quote:
You Raiders fans are a little slower than the rest of us......
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09-18-2014, 08:05 AM | #183 |
Molôn Labé
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Location: North Carolina
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09-18-2014, 09:00 AM | #184 |
Arrowhead Trail of Tears
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Location: KansasCity
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09-18-2014, 09:09 AM | #185 |
Molôn Labé
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Location: North Carolina
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09-18-2014, 10:37 AM | #186 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
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Quote:
It's stupid how that works, isn't it?
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09-18-2014, 10:47 AM | #187 |
Resident Glue Sniffer
Join Date: Nov 2003
Casino cash: $3849358
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Nice. We are only down to 1 final credit card after paying them all off over the last 4-5 yrs. Car paid off in august. I'm going to start using my credit card for fuel and groceries and pay off in full each month. I want to try that first instead of charging all expenses just to I don't get into any bad habits
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09-18-2014, 11:31 AM | #188 | |
MVP
Join Date: Oct 2011
Location: Chandler AZ
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Quote:
Sounds like the original poster is getting screwed. I underwrote residential and commercial loans for years, and if the scenario the OP laid out is accurate, his FICO should be in the high 700's to low 800's. I would recommend ordering a full tri-merge credit report which shows all 3 scores. Maybe one of the 3 credit bureaus--Experian, Equifax, or TransUnion--has erroneous info. Make sure to look at all pages of the credit report, including the Public Records section, which shows any past or outstanding liens and/or judgements. Unfortunately the credit bureaus intentionally make it almost impossible to contact them and review things that may be impacting your credit score negatively. Just another in a long line of banking/finance-related scams that Wall Street and its minions use to screw the average hard-working person. |
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09-18-2014, 11:33 AM | #189 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
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Quote:
Having 100k credit limit and only using 1k is worse than having 100k credit limit and using 75k?
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09-18-2014, 12:23 PM | #190 |
Grand champ
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09-18-2014, 01:01 PM | #191 |
Molôn Labé
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Location: North Carolina
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09-18-2014, 01:04 PM | #192 | |
Molôn Labé
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Quote:
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09-18-2014, 04:28 PM | #193 |
Mod Team
Join Date: Sep 2011
Location: Valley of the hot as ****
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No he said it right but you have it backwards in your mind. 100k with 1k used results in higher credit score than the other option. You want to use the least percentage of your available credit. Those who use near all their available credit have crappy scores.
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09-18-2014, 04:37 PM | #194 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
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Casino cash: $630397
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Quote:
high credit to debt ratio credit 100000000000 debt 5 = high credit to debt ratio I did NOT say high debt to credit ratio
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09-18-2014, 04:44 PM | #195 | |
Keepin it Real
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