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| Member |
There is no "guarding" needed. You got there by being responsible so you're not going to change well established habits now. | |||
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I Deal In Lead |
I still can't get past $8,000.00 to paint a house. Around here it's around $2,000~$3,000 | |||
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eh-TEE-oh-clez |
I also get 3-5% back on most things I spend my money on in credit card incentive points. 5% back at Amazon, 5% back at REI, 3% on Restaurants and Travel, 5% at Target, 2% on Costco, and 4% on Costco Gas, and a bunch of revolving categories on a number of my cards that perk things like home improvement stores, grocery stores, etc. Easily get a few thousand back each year. | |||
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Semper Fi - 1775 |
Both interior and exterior? ___________________________ All it takes...is all you got. ____________________________ For those who have fought for it, Freedom has a flavor the protected will never know ΜΟΛΩΝ ΛΑΒΕ | |||
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| His diet consists of black coffee, and sarcasm.  |
There are some things in life that you just have to have that require credit. Good credit will get you better insurance rates as well . In the past few years I have improved my credit score from the mid 600s to high 700s. | |||
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Probably on a trip |
Ronin I have heard that Capital One is the worst at manipulating your limits to their advantage. Can't speak personally since I've never had one of their cards but if you are in a good place now it might be time to dump them and move to a different card. This and no other is the root from which a tyrant springs; when he first appears above ground he is a protector. Plato | |||
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Ammoholic |
We use credit the same way. Love me some zero interest and Costco/Amazon points, I don't carry a balance. Paid off every debt except car and house, it took many, many years to do so though. When I got divorced, I paid all my commitments on time. It cost me all of my savings including retirement accounts, but I never paid anything late. I watched my friends walk away from their homes when the housing market crashed, my stupid pride kept me from doing it, if I had done it I'd have an extra $100k+ in home equity. Two or three years after a foreclosure you can get a mortgage. Just checked my score, 843. Not sure what I could possibly do to get the extra seven points, but I guess I'll just have to settle for near perfect. Jesse Sic Semper Tyrannis | |||
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Member |
Mine is steady going down, even dipped below 800 as I continue to not have any DEBT. Still have accounts open just with a 0 debt to limit %. I'll let it dip and much as they want, I feel more comfortable knowing I don't owe anyone. On a different note, I've made 300$ in the past 2-3 months putting every expense on an everyday AMEX and paying it off every month. Not much but better than nothing on things I HAVE to buy anyway. 11 years to retirement! Just waiting! | |||
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| Why don’t you fix your little problem and light this candle  |
My wife and I have not been the smartest when it came to credit. it was not bad, we avoided bankruptcy and have dug ourselves out. We are ok now, just refinanced our house to a lower interest rate. She is working again and we are using the money to pay off debt. Everything gets paid on time. A few weird things, like medical expenses we were never billed for, and no one can explain it to us, are on our credit as being in collection. Anyway, my wife and I have a two year plan to have all debt (except the house) paid off. We are excited and looking forward to it. Thanks for the encouraging post Ronin, it is appreciated. This business will get out of control. It will get out of control and we'll be lucky to live through it. -Rear Admiral (Lower Half) Joshua Painter Played by Senator Fred Thompson | |||
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| Semper Fi - 1775 |
I was in your position once. I understand exactly where you are. This can be a pretty intimidating site sometimes, so I admire your courage and posting in this thread. Many of us on here have recommended following the lessons of Dave Ramsey. If you can, I highly recommend getting access to his videos versus just the book. He is an impactful speaker. We gained access to his program through our church. ___________________________ All it takes...is all you got. ____________________________ For those who have fought for it, Freedom has a flavor the protected will never know ΜΟΛΩΝ ΛΑΒΕ | |||
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Member |
Outside of serious bad luck, it’s not difficult to build up a good credit score. It often involves delayed gratification and that’s where so many screw it up. My credit has been stellar for 30 years. My wife’s was maybe average or slightly less when we got together. She’s really smart (except her choice in men) but was clueless about finances. Now she shows me things I don’t even think of sometimes. | |||
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| Why don’t you fix your little problem and light this candle |
Ronin, We did Ramsey a few years ago and while we were not clueless, as some of his clients evidently are, we were enlightened. We disagree on some things. We will take a vacation this summer (before all our unsecured debt is paid) but we have paid cash for it. I am not telling the wifelady thst we will not vacation for our 25th anniversary due to some remaining credit card debt  I am most proud that both of our girls seem to be taking their finances a helluva lot more serious than I ever did. This business will get out of control. It will get out of control and we'll be lucky to live through it. -Rear Admiral (Lower Half) Joshua Painter Played by Senator Fred Thompson | |||
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| Member |
I'm. not sure how you guys can come up to any conclusion at all unless you know what his house looks like. | |||
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