How (and why) to Ramble On your domestic shorthair - Page 731 - Miata Turbo Forum -Boost cars, acquire cats.

Welcome to Miataturbo.net   Members
 


Insert BS here A place to discuss anything you want

Reply
 
 
 
LinkBack Thread Tools Search this Thread
Old 10-15-2012, 03:21 AM   #14601
Elite Member
iTrader: (24)
 
Join Date: Jul 2007
Location: Cypress, TX
Posts: 3,778
Total Cats: 35
Default

Quote:
Originally Posted by viperormiata View Post
yeah yeah
Haha. So how does NGE compare to FLCL?
Bryce is offline   Reply With Quote
Old 10-15-2012, 03:53 AM   #14602
A living god
iTrader: (23)
 
viperormiata's Avatar
 
Join Date: Aug 2008
Location: Key West
Posts: 5,934
Total Cats: 222
Default

Quote:
Originally Posted by Bryce View Post
Haha. So how does NGE compare to FLCL?
Apples and Oranges. You can't make me choose between those.
viperormiata is offline   Reply With Quote
Old 10-15-2012, 06:36 AM   #14603
Junior Member
 
Join Date: Jun 2010
Location: Okinawa Japan
Posts: 329
Total Cats: -7
Default

fuuuuuuuck... I just saw my credit score.. 550 0________________0

And I've been generally good on all my ****. I might have passed the 30% point on my credit card quite often. But I swear I took care of most of my delinquencies like a year ago. what the ****.


I need a goddamn financial aid/planner credit repairman or whatever the ****.
I study the ***** off of this ****, but I need ******* help.

If anyone of you do this for a living, and want my business hit me up.
dk wolf is offline   Reply With Quote
Old 10-15-2012, 09:33 AM   #14604
Boost Czar

iTrader: (60)
 
Braineack's Avatar
 
Join Date: May 2005
Location: Chantilly, VA
Posts: 70,165
Total Cats: 1,401
Default

Last time I checked mine was 830.
Braineack is offline   Reply With Quote
Old 10-15-2012, 09:38 AM   #14605
Junior Member
 
Join Date: Jun 2010
Location: Okinawa Japan
Posts: 329
Total Cats: -7
Default

fuhk yo muddah
dk wolf is offline   Reply With Quote
Old 10-15-2012, 09:38 AM   #14606
Boost Czar

iTrader: (60)
 
Braineack's Avatar
 
Join Date: May 2005
Location: Chantilly, VA
Posts: 70,165
Total Cats: 1,401
Default

Ill beat you with my wallet.
Braineack is offline   Reply With Quote
Old 10-15-2012, 09:54 AM   #14607
Elite Member
iTrader: (9)
 
TurboTim's Avatar
 
Join Date: Jun 2006
Location: Chesterfield, NJ
Posts: 6,177
Total Cats: 198
Default

For many many years it never occurred to me to even consider carrying a balance on a credit card. I didn't think people did that. I never really knew why you even consider APR when choosing a card. The only time I ever carried a balance was back in 2003 when I had a zero percent for 2 years card, I put my Ducati on that one and left it there until I sold it.

Now mortgage APR and refinancing & PMI...that **** sucks. I need to become more smarter regarding monies.
TurboTim is offline   Reply With Quote
Old 10-15-2012, 09:55 AM   #14608
Boost Czar

iTrader: (60)
 
Braineack's Avatar
 
Join Date: May 2005
Location: Chantilly, VA
Posts: 70,165
Total Cats: 1,401
Default

My parents got me a CC when I was like 15 and taught me the ways. I thought this was something all white people did.
Braineack is offline   Reply With Quote
Old 10-15-2012, 10:00 AM   #14609
Elite Member
iTrader: (9)
 
TurboTim's Avatar
 
Join Date: Jun 2006
Location: Chesterfield, NJ
Posts: 6,177
Total Cats: 198
Default

I got my first at 18 so I could buy **** at school without carrying around money. I closed it out along with a bunch of cards I never used, kept one Discover and one Visa (for those places that don't take discover). Did that right before buying our house, figured that would be smart. But according to my credit report during the mortgage process, that's a bad thing??? Especially closing out the card that I had since 18. Whatever.

I actually didn't have a bank/checking account until the middle of college sometime. I'd cash my paychecks at the bank on the check & pay credit card with money orders from the student center. haha.
TurboTim is offline   Reply With Quote
Old 10-15-2012, 10:07 AM   #14610
Elite Member
iTrader: (19)
 
Join Date: Jun 2007
Location: Rochester, NY
Posts: 5,187
Total Cats: 325
Default

House is paid off, no car payments, no loans. I have a HELOC that I keep open for house repairs/upgrades, and it has 0 balance. I get half a dozen CC offers a week at least. No idea what my credit score is, but I bet if I wanted to finance a $50k car they'd do it without batting an eye.
rleete is offline   Reply With Quote
Old 10-15-2012, 10:07 AM   #14611
Junior Member
 
Join Date: Jun 2010
Location: Okinawa Japan
Posts: 329
Total Cats: -7
Default

Yeah, you usually want to keep your oldest line of credit as long as possible. I've had my CC with Wells Fargo for 3 years now.. I want out. Doubt my credit score can tank much lower honestly (the minimum is 300, but you'd literally need to do some of the dumbest **** to get below 500).

Still... I nerd advers
dk wolf is offline   Reply With Quote
Old 10-15-2012, 10:07 AM   #14612
Junior Member
 
Join Date: Jun 2010
Location: Okinawa Japan
Posts: 329
Total Cats: -7
Default

Oh yeah.. I also have a mortgage... and own a small business....
So I still don't know how my credit sucks this much donkey *****
dk wolf is offline   Reply With Quote
Old 10-15-2012, 10:12 AM   #14613
Boost Czar

iTrader: (60)
 
Braineack's Avatar
 
Join Date: May 2005
Location: Chantilly, VA
Posts: 70,165
Total Cats: 1,401
Default

My oldest line of credit now has a $25 a year fee. I'm going to cancel it soon. I havent used it in years.
Braineack is offline   Reply With Quote
Old 10-15-2012, 10:17 AM   #14614
Elite Member
iTrader: (19)
 
Join Date: Jun 2007
Location: Rochester, NY
Posts: 5,187
Total Cats: 325
Default

Yeah, screw that. So much easy credit out there that there is absolutely no reason to pay for it. I can't believe American Express hasn't gone out of business yet.
rleete is offline   Reply With Quote
Old 10-15-2012, 10:18 AM   #14615
Moderator
iTrader: (9)
 
sixshooter's Avatar
 
Join Date: Nov 2008
Location: Tampa, FL
Posts: 13,419
Total Cats: 1,016
Default

It is best to have several credit cards, never carry a balance (pay them all off every month), and to pull one of your credit reports every so often (free) and clear up anything negative that shows up. Simply paying off an old delinquency is not the same as asking the lender to remove it from the reporting agency's files. Often times they will do it if you ask (especially as a condition of you sending them your final payment).
sixshooter is offline   Reply With Quote
Old 10-15-2012, 10:24 AM   #14616
Junior Member
 
Join Date: Jun 2010
Location: Okinawa Japan
Posts: 329
Total Cats: -7
Default

Quote:
Originally Posted by sixshooter View Post
It is best to have several credit cards, never carry a balance (pay them all off every month), and to pull one of your credit reports every so often (free) and clear up anything negative that shows up. Simply paying off an old delinquency is not the same as asking the lender to remove it from the reporting agency's files. Often times they will do it if you ask (especially as a condition of you sending them your final payment).
Noted....

dk wolf is offline   Reply With Quote
Old 10-15-2012, 10:37 AM   #14617
Junior Member
iTrader: (5)
 
Join Date: Feb 2011
Location: Chicago
Posts: 347
Total Cats: 6
Default

So, turns out my dog isn't a very good mouser nor is he very bright. I already caught the mouse about 5 minutes ago and he's still stalking out a corner the mouse was once in.
flying_solo is offline   Reply With Quote
Old 10-15-2012, 10:42 AM   #14618
Moderator
iTrader: (9)
 
sixshooter's Avatar
 
Join Date: Nov 2008
Location: Tampa, FL
Posts: 13,419
Total Cats: 1,016
Default

The more credit you have available to you that you don't use, the better. It is a ratio. And always pay on time. If you are going to be a day or two late, call them immediately and get them to put a note to that effect on your account so they don't bug out.

If you were late on a payment or two last year but caught everything up, sometimes if you ask the bank will remove it if you have been good since then.
sixshooter is offline   Reply With Quote
Old 10-15-2012, 01:15 PM   #14619
Elite Member
iTrader: (24)
 
Join Date: Jul 2007
Location: Cypress, TX
Posts: 3,778
Total Cats: 35
Default

Ive had one cc in my name since 2006. $700 credit line on it. I think I need to get that increased to get a better ratio. Never been late, never carried a balance.

I tried checking my credit score but it didnt seem to work. The report itself was populated, but the section that shouldve shown the score was blank. What site do you guys use to check your scores?
Bryce is offline   Reply With Quote
Old 10-15-2012, 01:26 PM   #14620
Crumple Zone Tester
iTrader: (6)
 
mgeoffriau's Avatar
 
Join Date: Jul 2009
Location: Jackson, MS
Posts: 7,486
Total Cats: 373
Default

There's 3 different agencies and your score will be slightly different at each. You can usually generate a composite score that averages the 3 together.

The dumb thing is that if your credit score is checked more than once a year (I think) it's flagged for "excessive requests" or something like that. Mine was flagged when I was refinancing -- we had already requested one report, then there was a delay so the lender requested a new report.
mgeoffriau is offline   Reply With Quote
 
 
Reply

Related Topics
Thread Thread Starter Forum Replies Last Post
Uconn Car Show 240_to_miata Local Meets, Events and Tech Days 1 01-23-2016 10:17 PM
Uconn Car Show Sat, April 9th 240_to_miata Local Meets, Events and Tech Days 7 04-11-2011 11:00 AM
Uconn Car Club Spring 2010 Show 240_to_miata Local Meets, Events and Tech Days 92 04-12-2010 06:20 PM
anual uconn car show/meet 240_to_miata Local Meets, Events and Tech Days 0 02-19-2008 10:03 PM


Tags
brain <3 me, brainy <3s hollywood, cancerous testicles, cuban caveman, furry barnacle, get fragged faeflora, joe p for prez, lyrical joe perez, not hit block, peter falk

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -4. The time now is 05:39 AM.