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Old 04-02-2013, 02:13 PM  
R8RFAN R8RFAN is offline
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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 04-03-2013, 11:52 AM   #136
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by Mr. Laz View Post
get a credit card and use it all the time ... use it even when you don't need to

pay off any big balance immediately to save you money but you might want to pay the minimum and carry over the balance on some small amounts every so often.
I want to get a good decent rewards card that I can do that with when I finish this transunion credit report dispute
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Old 04-03-2013, 12:01 PM   #137
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Honestly, I am mystified.

Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's.

I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it.

Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
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Old 04-03-2013, 12:06 PM   #138
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Originally Posted by HMc View Post
can't believe people took the bait on this obvious bragpost.

I don't want credit but am going to act like I might in order to take the opportunity to remind everyone how much of an awesome money manager I am.
I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.
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Old 04-03-2013, 12:08 PM   #139
Rasputin Rasputin is offline
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Wait.

Misleading thread title from a raider fan.

Raiders don't need credit when they steal what they want.
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Old 04-03-2013, 12:08 PM   #140
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when you want credit

you get it

at bill geer
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Old 04-03-2013, 12:11 PM   #141
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Originally Posted by KCGal View Post
Yep we are brainwashed into thinking we need a good FICO score. All that does is show the bank if you are a good little customer. Meaning you like to borrow money and you are pretty good at paying them when you tell you too.

The ultimate goal is to have a fico score of zero because that means you don't need to borrow money.
If you achieve this "ultimate goal", then you'll pay a lot more for auto and home insurance. Your credit impacts you financially even if you don't borrow money.
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Old 04-03-2013, 12:16 PM   #142
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by alnorth View Post
Honestly, I am mystified.

Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's.

I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it.

Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
Never a late payment anywhere.... CreditKarma is reporting that score and they say they get all of their info from Transunion but creditkarma does not even list the only credit card I have owned for 11+ years and it appears on the site I have made zero payments on anything since 2009 when I paid off the house ...
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score..

I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them.
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Old 04-03-2013, 12:19 PM   #143
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by alnorth View Post
I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.
And that's why I did it because I am stunned my credit can be so low when I never had a late payment on a car or anywhere since the mid 90's and always paid them off in half the time and paid the 30 yr mortgage off in 5.5 years.....
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Old 04-03-2013, 12:19 PM   #144
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Originally Posted by R8ers View Post
Never a late payment anywhere.... CreditKarma is reporting that score and they say they get all of their info from Transunion but creditkarma does not even list the only credit card I have owned for 11+ years and it appears on the site I have made zero payments on anything since 2009 when I paid off the house ...
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score..

I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them.
Ahh, if they basically see you as one of those stubborn "I don't need no stinkin' credit card, dammit, I pay everything with cash" old people, then that'll hammer your score.
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Old 04-03-2013, 12:21 PM   #145
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by alnorth View Post
Ahh, if they basically see you as one of those stubborn "I don't need no stinkin' credit card, dammit, I pay everything with cash" old people, then that'll hammer your score.

Must be, shit is annoying though...
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Old 04-03-2013, 12:31 PM   #146
R8RFAN R8RFAN is offline
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Ok after further review I just paid a dollar for my credit score from Experian and the results are


CreditKarma.com has me listed at 621

I also just found out the reason the credit card does not affect my score or is not listed... The name on the top is the wife...
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Old 04-03-2013, 05:47 PM   #147
R8RFAN R8RFAN is offline
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The bank credit card revealed they only report to equifax.com and it IS in my name.

I applied for an "excellent credit" credit card and I got turned down but I then applied for a discover card and got approved.

Is Discover worth a shit for anything but scraping ice off the windshield?
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Old 04-03-2013, 05:52 PM   #148
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I applaud Reighters and his financial decisions. Don't see why he got jumped on for this.
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Old 04-03-2013, 05:58 PM   #149
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Quote:
Originally Posted by R8ers View Post
Ok after further review I just paid a dollar for my credit score from Experian and the results are


CreditKarma.com has me listed at 621

I also just found out the reason the credit card does not affect my score or is not listed... The name on the top is the wife...
You can also go to this site and look up your credit report. You can request a report once a year and it's free.
https://www.annualcreditreport.com
Also, you can get your credit score on here. You have to sign up for a trial, but it's easy to cancel through the website before they charge anything.
http://www.myfico.com/
I can vouch for both these sites, they are legit and free. You will want to look at your report to see if there are any inaccuracies and dispute that shit.
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Old 04-03-2013, 06:04 PM   #150
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Too bad they don't include the value of a truckload of Carson fatheads in that...
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