How does one get credit?

[KCGal]

Originally Posted by Pawnmower

bah.....

credit is a tool, just like a rifle or a tractor....

you can do a lot with tools, or you can roll your self over on your riding lawn mower if you are a moron

just be wise and use your tools properly..

you never know when you may need credit...it sure is handy....when you need it

keep your rifle oiled up....ready for battle

I would argue credit is a tool in the same way liposuction is a tool. If you've been making good choices more often than not, eating healthy and exercising, you don't need it. But if that's not the case there's always liposuction.

[loochy]

Originally Posted by KCGal

I would argue credit is a tool in the same way liposuction is a tool. If you've been making good choices more often than not, eating healthy and exercising, you don't need it. But if that's not the case there's always liposuction.

need it to buy a house

who has cash to buy a house? not many.

[Ming the Merciless]

Originally Posted by loochy

need it to buy a house

who has cash to buy a house? not many.

here is another reason (this happened to me)

I found a little rental i wanted to buy.....but it was ****ed up bad....no lender would lend on it. I used my savings to buy it cash, fix it up........and then a year later i got a mortgage on it to get my savings back.

situations like that are not uncommon....

[KCGal]

Originally Posted by loochy

need it to buy a house

who has cash to buy a house? not many.

Preach it!!

I was talking more about credit cards. Sorry should have made that more clear.

[Ming the Merciless]

Originally Posted by KCGal

I would argue credit is a tool in the same way liposuction is a tool. If you've been making good choices more often than not, eating healthy and exercising, you don't need it. But if that's not the case there's always liposuction.

I would argue that if your fat ugly bitch ass cant tell the difference between lipstick, a hammer and liposuction that you are probably beyond liposuction into the hammer and chisel stage.

credit is MUCH more like the exercise in your example than liposuction if you arent a ****ing idiot

[cosmo20002]

Originally Posted by KCGal

I would argue credit is a tool in the same way liposuction is a tool. If you've been making good choices more often than not, eating healthy and exercising, you don't need it. But if that's not the case there's always liposuction.

Some people just may not have a few hundred thousand in cash to pay for a home. Credit can come in handy.

[KCGal]

Originally Posted by cosmo20002

Some people just may not have a few hundred thousand in cash to pay for a home. Credit can come in handy.

I was referring to credit cards not mortgages.

So sorry I caused offense. Just sharing a change in my thinking that led to a simpler less stressful life which doesn't include worrying about my FICO score.

[Ming the Merciless]

Originally Posted by KCGal

I was referring to credit cards not mortgages.

So sorry I caused offense. Just sharing a change in my thinking that led to a simpler less stressful life which doesn't include worrying about my FICO score.

this is a bullshit answer.and the opposite of your 1st statement..just like your 1st example...it would be the equivalent of not worrying about your health or watching what you eat or worrying about exercise.....etc

the bottom line is you can take simple preventative steps to ensure you maintain good health AND credit health which will be much more stress free in the long run than 'not worrying about it'

perhaps you should get out of the advice business