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HomeCredit ForumImprove your credit score

does it matter if you know your score?

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fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Tue Sep 09, 2008 2:02 am  
That is a really cool idea and you really wouldn't even miss it along the way. Usuallly I had alot of work most of teh year. My injury and the downslide of teh company I worked for made this a really hard year. It was also made worse because of all my lost work last year got me behind and Moving my hame added alot of bills. I am hoping to get back on track and figure out what to do next. I have a new company working with me and it gives me a little work here and there but also lets me in endless pain by days end. I will figure it all out later...I can only deal with so much at a time.
 
mirage12



Joined: 24 Jul 2008
mirage12's page
Posts: 8



275 Magic Points
 
 Posted on Thu Sep 11, 2008 2:34 am  
It is important to know where you stand, debt-wise. That means knowing what credit report bureaus and lending and credit organizations think of you. Not as a person,but as a credit risk.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Thu Sep 11, 2008 4:54 pm  
This is very true. I have learned this well over the past year.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sat Sep 13, 2008 12:29 am  
Sometimes I just need a break from it though, so I have been paying my bills on time, got a new card with a small limit to try and rebuild, just used it today, spent a how $36, I will pay it off in two months to try and establish a small payment history.

I am not gonna look at my credit report for at least a year to see if I can get anywhere with this thing, hopefully I will be surprised in a good way.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Sat Sep 13, 2008 1:29 pm  
You got the right idea GN. Never pay anything off as soon as you charge it if you are trying to rebuild your credit. A couple monthly payments is the best. So what sexy wear did you purchase?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sun Sep 14, 2008 8:11 pm  
I just went and used the card, I bought two pair of shoes for work, they were buy one get one half off and then I had the 10% off on top of that, so I got two pair of shoes for $36, now what do you suppose the minimum payment will be on that? LOL, I think I will pay it in two payments just to get a little history there, if they will let me do it in two.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Sun Sep 14, 2008 11:49 pm  
Probaly $10 . they have a set rate per hundred. Now that you have the card you will start getting some awesome coupons. $10 off $25. I just got a couple this week. I half to tell you though the best ones are the ones near holidays they are $10 off anything. So you can go purchase $10.01 and only pay .01 cent. I use to use them with my 40% enployee discount and get stuff for free. We were a little bad because we use to keep coupons people brought in and use them when the other was working. (you don't get anymore coupons once you are an employee). I have sneakers for the next 10 years. And purses...we won't go there.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Mon Sep 22, 2008 2:55 am  
I did not find any kids clothes, but I think a new out fit for work every now and then will be okay, just to keep it active and as long as I keep it down where I can pay it off or do it in two payments then it will build my credit.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Wed Sep 24, 2008 4:52 pm  
Yes plus it would be nice to have the extra outfit here and there to treat yourself. If you are like me I always get for the others first..kids and hubby. Most of the time I look over doing things for myself. So with no kids clothes being available you are sure to find something for yourself. Remember to keep a small balance on the card and keep it active. This not only helps your credit score but if a card is inactive for so long they will close it due to inactivity.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Wed Oct 08, 2008 2:52 am  
I am gonna go buy a new outfit on monday, I have an interview on wednesday for a supervisor position. There are six people interviewing. I love my job now, but there are a few guys that I would not want to work for so I put in for it, I figure make them fight for it, LOL.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Wed Oct 08, 2008 10:45 pm  
That is agood one. You should have been recieving some coupons in teh mail by now. I haev gotten a couple.
 
creditpro

creditpro

Joined: 16 Oct 2008
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Posts: 23
Location: San Diego, CA


1153 Magic Points
Subject: Knowing your credit scores
 
 Posted on Thu Oct 16, 2008 3:43 am  
Here in America it is crucial you know your credit score. The lower your score the harder it will be to apply for a credit card, car loan or home loan. If you do qualify then you will most likely get high interest rates. If you have high credit scores then most likely you will get an atomatic approval and obtain low interest rates. Also, 95% of lenders will determine your credit worthiness by looking at your credit scores and not your credit history. Now a days, even employers and rental properties are looking at credit scores and not your credit history. If you do decide to get a copy of your reports I recommend my fico at http://tinyurl.com/orderFICO

If you do get them and you're under 700 then I recommend www.AttractiveCreditSecrets.com
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sun Nov 09, 2008 2:20 am  
I agree, knowing your credit score is vital, especially if you go to get a loan or a credit card.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Sun Nov 09, 2008 12:23 pm  
Up until recently people probaly didn't know that they could monitor there credit report for no cost. They started putting out those credit report commercials and it started to show people they had free access. Like me until I came here I had no idea I could pull my report up to three times with no fee. Then you got to remember not everyone has internet access and the address is never given on the commercials.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sun Nov 09, 2008 4:03 pm  
The super highway is a wonderful thing sometimes.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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